Discover it® Student Chrome
The Discover it® Student Chrome is more than just a beginner card — it’s a financial tool for young adults who want to make smart decisions early. With cash-back rewards, no annual fee, strong protections, and a generous year-one bonus, it’s one of the most well-rounded student cards available today. Start smart, earn while you spend, and build your financial future — one responsible purchase at a time.
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Key Highlights
- 2% cash back at gas stations and restaurants (up to $1,000 quarterly)
- 1% unlimited cash back on all other purchases
- Cashback Match™: Double all cash back earned in the first year
- No annual fee
- Designed specifically for college students building credit
The Discover it® Student Chrome is a credit card tailored for students who are new to credit and want to build responsibly while earning rewards. It combines easy-to-manage benefits, solid cash-back incentives, and zero annual fees with the flexibility and tools needed to support students navigating personal finance for the first time.
Whether you’re buying textbooks, fueling up for weekend trips, or dining with friends, this card rewards your spend — while teaching credit discipline.
- Discover automatically matches all the cash back you earn at the end of your first year
- No sign-up or minimum spend required
- Earn $50? Get $100. Earn $200? Make it $400.
- For a student card, this is one of the best intro bonuses available
It’s a low-risk, high-reward way for students to start strong with credit.
- 2% cash back at:
- Gas stations
- Restaurants (including cafes and fast food)
- On up to $1,000 in combined purchases per quarter
- 1% unlimited cash back on all other purchases
- No rotating categories or complicated reward systems
The 2% bonus is designed for common student spending habits, like road trips and meals out.
- Discover reports to all three major credit bureaus
- Helpful for establishing a positive credit history early
- Tools to monitor and improve your credit score
- Free access to your FICO® Score monthly
Building credit responsibly in college sets the foundation for future financial milestones — from car loans to apartments to better credit cards.
- $0 fraud liability for unauthorized purchases
- Freeze it® feature – instantly freeze your card if lost or stolen
- Real-time alerts & fraud protection
- U.S.-based customer service available 24/7
Students get full access to adult-level protections, even on a starter card.
- Manage your card from the Discover mobile app
- Redeem rewards, monitor activity, pay bills
- Compatible with Apple Pay, Google Pay, Samsung Pay
- Set up spending alerts, automatic payments, and budget notifications
Tech-savvy students will love how easily they can stay in control of their finances.
- $0 annual fee
- No overlimit fee
- No foreign transaction fees – take it abroad if you're studying overseas
- First late payment? No penalty APR and no late fee the first time
It’s a card designed to teach, not punish, making it perfect for students still learning the ropes.
- College students new to credit
- First-time cardholders who want to earn rewards while learning to budget
- Young adults seeking to build a solid credit score early on
- Those who want a no-fee, no-pressure introduction to credit