Discover it Student Chrome Reviews [2024]Reviews, rates, fees, and rewards details for The Discover it® Student Chrome. Compare to other cards and apply online in secondsJohn KiernanWalletHubNo membership feesIntro APR on purchasesHigh rewards rateBonus categoriesSpending caps on rewardsNo initial rewards bonusBalance transfer fee
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Build Credit by Paying in Full Each Month (Students)." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Discover it Student Chrome has a rating of 4.5/5 according to our proprietary credit card rating system. This rating reflects how appealing Discover it Student Chrome's terms are compared to a pool of more than 1,500 credit card offers tracked by WalletHub. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is 'Build Credit by Paying in Full Each Month (Students)'. To break it down further, Discover it Student Chrome earned a score of 5.0/5 for Fees, 3.8/5 for Rewards, 4.9/5 for Cost, and 4.1/5 for User Reviews.
WalletHub Rating Breakdown
User Reviews
4.1/5
1,389 reviewsRead and write reviews
Editor’s Review
4.3/5
John Kiernan, Credit Card EditorRead full review
Market Comparison
Market Comparison
4.6
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Build Credit by Paying in Full Each Month (Students)” for this card.
Fees
5.0
Rewards
3.8
Cost
4.9
Other Features
5.0
4.6/5
Compared against 1,500+ credit cards
KEY TERMS
Accepted Credit Scores
Accepted Credit Scores
Fair Credit, Limited History, No Credit
Discover it Student Chrome Annual Fee
$0
Discover it Student Chrome APR on Purchases
0% intro APR for 6 months, 18.24% - 27.24% Variable APR after that
Discover it Student Chrome Balance Transfer
10.99% intro APR for 6 months, 18.24% - 27.24% Variable APR after that
Balance Transfer Fee:3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
Discover it Student Chrome Rewards
INTRO OFFER: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 cash back into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
Redeem your rewards for cash at any time.
Discover it Student Chrome's Additional Info
No credit score required to apply.
Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
No annual fee and build your credit with responsible use.
0% intro APR on purchases for 6 months, then the standard variable purchase APR of 18.24% - 27.24% applies.
Terms and conditions apply.
cash advance fee
Either $10 or 5% of the amount of each cash advance, whichever is greater
Best at gas stations and restaurants. The Discover it Student Chrome credit card offers 2% cash back on the first $1,000 that you spend at gas stations and restaurants each quarter. That’s total, not $1,000 per category. So you can earn no more than $80 in bonus rewards per year. Still, 2% back is almost double the average for a cash rewards card, market-wide, according to WalletHub’s latest Credit Card Landscape Report. So if you commute to school and/or eat out a lot, Discover it Student Chrome is definitely a card to consider.
Standard base rewards rate. You’ll earn 1% cash back on all other purchases made with the Discover it Student Chrome card. That’s just shy of the 1.17% market average, but it’s still pretty solid for a student card.
Nice bonuses. Right now, Discover will match any rewards you earn during the first year you have one of their cards. That’s right; it’s available on all Discover rewards cards. So this turns Discover it Student Chrome's 2% bonus earning rate into 4% and its 1% base rate into 2% for the first 12 months. That’s not bad.
No annual fee. The average credit card charges $21.58 per year. But none of the 50+ student credit cards in WalletHub’s database charge annual-, monthly- or one-time fees. So this part of the Discover it Student Chrome offer should be expected, not viewed as anything special.
Intro financing offer. Discover it Student Chrome is good for avoiding interest on big-ticket student expenses, such as textbooks, because it offers a 0% introductory APR on new purchases for the first 6 months your account is open. The average purchase card is interest-free for about 11 months. But few student cards offer 0% rates, and even fewer have longer intro periods than Discover it Student Chrome. Discover it Student Chrome’s regular APR is 18.24% - 27.24% Variable.
Built for students. You don’t need spectacular credit standing to get approved for the Discover it Student Chrome credit card. As a matter of fact, you don't even need a FICO history. That’s good because getting a credit card and using it responsibly is the best way to build credit. And you can track your progress as well as get customized credit-improvement advice for free on WalletHub.
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Compare The Discover it Student Chrome vs. Popular Alternatives
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Build Credit by Paying in Full Each Month (Students)." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.3
User Reviews
4.1
Market Comparison
4.6
fees: 5.0
rewards: 3.8
cost: 4.9
Other Features: 5.0
3.3WalletHub Rating
WalletHub Rating
3.3
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Rebuild Damaged Credit." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.0
User Reviews
3.5
Market Comparison
3.2
fees: 3.0
rewards: 0.0
cost: 2.0
APR: 2.5
Other Features: 4.4
3.9WalletHub Rating
WalletHub Rating
3.9
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Build Credit by Paying in Full Each Month (Students)." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.7
User Reviews
3.8
Market Comparison
3.8
fees: 5.0
rewards: 3.4
cost: 3.5
Other Features: 5.0
(1,389)
(6,659)
(575)
annual fee$0
annual fee$35
annual fee$0
Purchase Intro APR0% for 6 months
Purchase Intro APRNot Offered
Purchase Intro APR0% for 6 months
transfer intro apr10.99% for 6 months|Transfer Fee:3% intro balance, up to 5% fee on future balance transfers (see terms)*
transfer intro aprNot Offered
transfer intro apr10.99% for 6 months|Transfer Fee:3% intro balance, up to 5% fee on future balance transfers (see terms)*
Can't find what you are looking for? Submit your question about Discover it® Student Chrome to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card. In addition, WalletHub independently collected information for some of the cards on this page.
The Discover it® Student Chrome credit limit is $500 or more. Everyone who gets approved for Discover it Student Chrome is guaranteed a credit limit of at least $500, and particularly creditworthy applicants could get limits a lot higher than that. The higher an applicant's credit score and income are, the higher the starting credit limit is likely to be.
The Discover it Student Chrome credit limit that you start with isn't necessarily your credit line forever. You can ask to get a credit limit increase by calling the Discover customer service number on the back of your card, but it's best not to do that more than once a year. Discover will also evaluate your account periodically to determine whether you are eligible for a credit limit increase. Paying on time and keeping your credit utilization low are key for getting unsolicited credit line increases with Discover.
If you're a student, then yes, you can get this card despite having no prior credit experience. You just need a valid “.edu” email address. For more information, please contact Discover at 1-800-347-2683.
Discover doesn't have a minimum income requirement for Discover it Chrome student applicants.
If you don't have an income, you can apply as a student with no income listed. They will consider that along with the other details on your application and credit file to determine if you qualify.
According to the Discover sample terms and conditions, the Discover it® Student Chrome minimum payment is $20, $15 plus past due amounts, or 3% of the statement balance plus past due amounts – whichever is higher. If the statement balance is less than $20, the Discover it Student Chrome minimum payment will be equal to the balance. In addition, if you recently missed a payment or exceeded your credit limit, Discover may add a late fee or the overlimit amount to...
The Discover it® Student Chrome foreign transaction fee is 0%. This means you won't be charged extra anytime you use the Discover it® Student Chrome outside of the United States. This applies whether it's a purchase at a physical location in a foreign country or an online transaction through an internationally-based merchant.
There isn't a fee for having 0 balance on the Discover it Student Chrome card. It doesn't have an annual fee, so there aren't any recurring charges that you should worry you if you've fully paid your balance.
The Discover it® Student Chrome categories for bonus rewards are gas stations and restaurants. Purchases that fall into the Discover it Student Chrome bonus categories get cardholders extra rewards compared to the card's base earning rate, up to a quarterly limit.
Whether a purchase falls into a card's bonus categories depends on “Merchant Category Codes,” which are assigned by the major credit card networks to merchants based on what kind of business they conduct. So if a merchant has the MCC for...
The easiest way you can pay your Discover it® Student Chrome is online, through either Discover's website or mobile app. Alternatively, you make a payment over the phone at (800) 347-2683, at a branch, or by mail.
Here's how to pay your Discover it® Student Chrome:
Online: Log in to your online account through Discover's website or mobile app.
By phone: Call (800) 347-2683 and enter your card information when prompted.
Share your insights and review for the Discover it® Student Chrome
5
58%
4
17%
3
12%
2
10%
1
3%
4.1
1,389 reviews
1,389 reviews
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Tiffany @tiffanyb_7676
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3 Star Rating
Verified Customer
Unauthorized payments, charged fees for their mistakes affecting my balance/utilization rate/credit score. I have been with Discover for 2 years, made every payment on time, paid more than the minimum monthly payment or paid balance in full almost every month. Very disappointing after 2 years of being a customer.
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Edgar @edgarw_15
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5 Star Rating
Verified Customer
Excellent Customer Service. They listen to what your needs are. You are never placed on hold, you always speak to a live representative.
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0
Lillian Tan @lilliant_2
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3 Star Rating
For a college student with zero or bad credit, it is hard to get your credit card application accepted, so the student card from Discover is like a sign of trust in a sea of suspicious eyes. However, the interest rates are very high and the late-payment fees are very strict, and hence it would be wiser for me to take my debt to Bank of America, where they start you off with 0% interest so that your minimum payments actually eat away your debt. It is a good card to get your credit score started, but it becomes somewhat of a nightmare once circumstances throw you under the bus.
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7
4
Javier Furgon @javifurg
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5 Star Rating
This was my first credit card and it is the best. This should be the first credit card for EVERYONE! I mean it!
1. If you are a student with good grades be sure to submit a transcript as your proof and I'm pretty sure they'll give you a higher limit!
2. Discover is very forgiving. They will remove your first late payment but be sure to review the time you have to make the payment (it's usually before x:xx EST)
3. They have great rewards alright. There's other cards 1% on each purchase blah blah blah but when the gas 5% rolls around I use this card exclusively for gas and I save a lot of money doing so!
4. Disputes are great with Discover. If you bought something you never received you can upload proof right on the website instead of having to fax something in and you can submit the claim online!
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10
3
aadff bdaf @fikashta
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5 Star Rating
The Discover IT card is absolutely amazing! As a commuting college student, the 5% cashback rotating categories are fantastic for saving some money. This past quarter has been 5% cashback on gas, which has been a huge help. The $20 cashback bonus is not so bad either, and I love that it's relatively easy to get this credit card. I had almost no credit when I applied for this card, and was approved. The interest is kind of high, but paying it off monthly should ensure that you're making money off the rotating spending categories instead of costing yourself money lost to interest. This is a must-have card for college students.
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Arnetta Suben @arnettas2
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4 Star Rating
As a new student, I had been looking for a card that would give me great. benefits for being such, and I found it in the Discover It card for students. With a 5% for rewards, and not to mention a bonus $20 ($20 is $20, after all), it's great for those who need to build their credit, all while attending. college. The interest is a little high, but by limiting yourself, it should be. completely ok.
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10
3
Seymour Alcombright @seymoura2
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3 Star Rating
I got this one a bit before I went to France to study abroad. I figured that just in case having a credit card as back up would be a good idea, and the fact that there was no foreign transaction fee was awesome and what tipped the balance for me to get this card. Previously I had used another credit card, very seldom, and mainly my debit card for all purchases. This card did come in handy in some tight spots while on a trip through Italy, although I wish I had taken better note of the higher rate for the cash advances, leading to a higher bill than expected! Another bonus was the $20 you get for signing up! I can't say that as a poor college student, that wasn't welcome!
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Dany Anguiano @BDArival
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5 Star Rating
the reason I got this card was because I really needed a reward feature for something I could possibly be using alot. and it really did end up rewarding me. with the 5% back on rewards, I was able to save the most I could. it ended saving me alot on fuel. fuel was a big factor for me because how much I had to drive to school and work and to my home. it really came through in the clutch. helped alot on groceries. you don't get rewards on fast food so it really helped me prioritize my eating by not getting greedy and instead buying food for my home. sack lunches, drinks made at home, healthier foods. same with some department stores. I cant remember off the top of my head but I know it was large stores like target, kohls, old navy. stuff like that.i would definitely recommend this card to any student. its going to save you the most money you can and help establish credit at the same time.
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5
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Al Musson @alm_1
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4 Star Rating
Before college, I never had much experience with credit, so when I got an offer for the Discover Student card I jumped to take the offer. Having my own credit card sounded exciting, and as a college student with little money coming in, having backup funds for food and fun was great. The Discover student card came with a really high interest rate, however at the time, I didn't care much, as I didn't know what a fare rate should have been. I was mostly excited about the credit card. Eventually I learned not to charge up to high of a balance because the interest would take my funds. The cash back offered by the Discover Student card was one of the major positives about this credit card, as most no credit or student cards do not offer cash back on purchases.
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John Updegraff @autiger1
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4 Star Rating
I needed some type of credit card to start building my credit record in college and after a lot of shopping with my mom we came across the Discover Student Credit Card - $20 Cashback Bonus. I have to acknowledge I know and appreciate a little more than the average college student about my future finances and that I need work now to build my credit. The rewards and the initial $20 really enticed me to give my new credit card a work out, but keeping an eye on always paying off my bill each month. I have only had the card for about 6 months, but have not had any problems at all with it or Discover.
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2024 WalletHub Awards
Discover it® Student Chrome is an Editor's Pick for:
