Discover it® Student Chrome review

Discover it® Student Chrome review

Updated: May 30, 2024

Partner Offer

Apply now
Updated: May 30, 2024

Partner Offer

Apply now
Ratings Policy
Student Rating:
4.1 rating
4.1 rating
4.1 / 5
Introductory Offer4.6
Interest and Fees4.7
Rewards Program1.9
Issuer Customer Experience5.0

In a Nutshell:

The Discover it® Student Chrome card zooms to the top of the class because of its winning cash rewards program and user-friendly features.

Terms and conditions apply.

Learn more about this card

18.24% - 27.24% Variable APR (See rates and Fees)


Annual Fee
$0 (See rates and Fees)


Penalty APR
None (See rates and Fees)


Introductory Offer
0% intro APR on new purchases for first 6 months (18.24% - 27.24% Variable APR) (See rates and Fees)


Rewards Program

  • Matches all the cash you’ve earned for the first year
  • 2% cash back on gas and restaurants (on up to $1,000 in purchases per quarter, 1% thereafter)
  • 1% cash back on general purchases
Very Good

Discover Customer Service Ratings

  • J. D. Power 2020 customer satisfaction rating: 837 (10% of issuers in this category ranked higher)
  • 24/7 customer service?: Yes
  • Online chat available?: Yes
  • Google Play Store mobile app rating: 4.5/5
  • Apple Store mobile app rating: 4.8/5

Other Notable Features: No late fee on first late payment (after that, up to $41), no overlimit fee, no foreign transaction fee, free FICO® credit score, Spend Analyzer tool, customizable text alerts, free social security number alerts

The Discover it® Student Chrome card ranks high on our list of student cards, largely because of its generous cash rewards program. We also like Discover’s consumer-friendly features and useful tools that help students stay on top of their balances.

Easy on the penalties

Sometimes new cardholders need a little practice at paying their bills, so we like a card that cuts you some slack. With a 0-percent intro APR on new purchases for the first six months (18.24% - 27.24% Variable APR thereafter) and no penalty fee for the first missed payment, Discover it® Student Chrome card gives you a nice cushion. Also, there’s no penalty APR. Some cards will hit you with an APR of up to 30 percent for missing a payment, which can really hurt if you end up carrying a balance.

High cash rewards

The Discover it® Student Chrome card not only carries one of the most valuable rewards programs for students, but also matches your cash rewards at the end of the first year. Also, you get 2 percent back on restaurant and gas station purchases each quarter (up to $1,000 of purchases), and 1 percent back on general purchases. The program is very flexible – you can redeem any amount at any time and there’s no expiration on your rewards. If you have an account, you can even use your rewards to shop there.

Useful financial management tools

We grade student cards heavily on their ability to promote responsible credit card use. We’re impressed by the features that Discover provides to make credit management easier. Discover’s Spend Analyzer tool enables you to track your finances and set up payment plans. Discover also offers free email and text alerts, which you can set to remind you when payments are due. You can combine these tools to create a budget, and then send reminders to yourself to stay on track.

Some useful perks

If you’re looking to travel abroad, you’ll enjoy the fact that the card has no foreign transaction fee. Many cards charge 3 percent, which can really add up after a few transactions.

Decent APR

The Discover it® Student Chrome card offers a decent APR for a student card. Cardholders may qualify for a 18.24% - 27.24% Variable APR, which is comparable to the rates that you would receive with a regular rewards card. Unfortunately, unlike other cards in the student category, there’s no zero-percent balance-transfer offer. If you’re looking to transfer a balance from another card, you may be better served by other offers.

Overall, we think that this is a great card for students, due to its valuable cash rewards program and its features that promote responsible financial management. The Discover it® Student Chrome card could be a handy tool for new cardholders trying to establish a strong credit history.

How does the Discover it® Student Chrome compare to other student cards?

The Discover it® Student Chrome will be a good fit for many students thanks to its low cost of ownership and simple rewards structure, but it’s not without its flaws. To start, your bonus cash back is capped at $1,000 in spending per quarter, after which you get knocked down to a 1% cash back rate. The card is also lacking in perks and the Discover network also doesn’t have as wide a reach as Mastercard or Visa, especially internationally. If any of those sound like red flags, consider these alternatives.

Discover it Student Cash Back
Chase Freedom® Student credit card
Journey Student Rewards from Capital One

Journey Student Rewards from Capital One*

Quicksilver Student Card
Capital One Quicksilver Student Cash Rewards Credit Card
Rewards rate

  • 1% cash back on all purchases
  • 5% cash back on Lyft rides (through March 2025)
Rewards rate

  • 1% cash back on every purchase
  • 25% bonus when you pay on time
Rewards rate

  • 1.5% cash back on all purchases

19.99% (variable)


29.99% (Variable)


19.99% - 29.99% (Variable)

Introductory offer

$50 bonus after your first purchase made within the first 3 months

Introductory offer

Up to $60 in streaming subscription credits when you pay on time

Introductory offer

Earn $50 when you spend $100 in the first three months

Other things to know

  • $20 Good Standing Rewards after each account anniversary for up to 5 years
  • No annual fee
  • Free access to your credit score
Other things to know

  • Automatically considered for a credit limit increase after six months of on-time payments
  • No foreign transaction fees
  • Credit tracking tools
Other things to know

  • No foreign transaction fees
  • Fraud liability
  • Cellphone protection

Chase Freedom Student Credit Card

Though the Chase Freedom Student credit card* offers a fairly unimpressive rewards rate of 1% back on all purchases (and 5% back on Lyft rides through March 2025), it could be a great introduction to the lucrative Chase Ultimate Rewards program. The card also offers terrific redemption flexibility, allowing you to claim your cash back as a direct deposit, statement credit, merchandise, travel and more. You’ll also score a $50 bonus if you make a purchase with the card in the first three months and can get a $20 annual bonus for the first five years for keeping your account in good standing.

Journey Student Rewards from Capital One

The Capital One Journey card’s cash back rate is also fairly unimpressive at just 1% cash back on every purchase, but if you pay your monthly bill on time, you can boost this to 1.25%. That could be great motivation if you’re still new to keeping up with bills or due dates in general. The card is also a good choice for frequent travelers as it charges no foreign transaction fee. On the downside, the card offers all cardholders a very high variable APR of 29.99%, regardless of credit history.

Capital One Quicksilver Student Cash Rewards Credit Card

The Capital One Quicksilver Student Cash Rewards Credit Card is another good choice for students who want to earn rewards while building credit, as it offers a 1.5% flat cash back rate on every purchase. Rewards earned won’t expire for the life of your account and can be redeemed as a statement credit or for gift cards.

Why get the Discover it® Student Chrome card ?

  • You’re a college student looking to build up your credit history.
  • You want to earn high cash rewards on all spending.
  • You want a card that’s a little more forgiving if you miss a payment deadline.
  • You’re looking for high-quality customer service.

How to use the Discover it® Student Chrome card:

  • Stay on top of your payment deadlines – you’re only forgiven for the first missed payment. After that, you’ll owe a hefty penalty fee.
  • Take advantage of the Spend Analyzer tool and text alerts to pay your card on time and keep your balance in check.

Is the Discover it® Student Chrome card worth it?

Yes, especially if you spend heavily on restaurant and gas station purchases. Not only does the card charge no annual fee or require a deposit, but it also carries a generous rewards rate and its first-year cash back match could offer tremendous value if you use the card for most of your spending.

If you spent $1,000 each quarter in the card’s bonus categories during your first year, you’d end up with at least $120 in cash back on your card member anniversary ($60 earned from using the card, matched at the end of your first year). That’s not even counting spending outside the card’s bonus categories.

That said, if your spending habits vary a bit more from month to month, the Discover it® Student Cash Back may offer better value, thanks to its higher bonus rewards rate and category variety.

*All information about the Wells Fargo Cash Back College Card, Chase Freedom Student credit card and Journey Student Rewards from Capital One has been collected independently by The issuer did not provide the content, nor is it responsible for its accuracy.

The Journey Student Rewards from Capital One is no longer available

Our reviews and best card recommendations are based on an objective rating process and are not driven by advertising dollars. However, we do receive compensation when you click on links to products from our partners. Learn more about our advertising policy

All reviews are prepared by staff. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Check the data at the top of this page and the bank’s website for the most current information.

Responses to comments in the discussion section below are not provided, reviewed, approved, endorsed or commissioned by our financial partners. It is not our partner’s responsibility to ensure all posts or questions are answered.

Partner Offer

Apply now