Discover it® Student Chrome

The Discover it® Student Chrome is a decent first credit card. It allows students to earn 2% cash back on up to $1,000 in combined purchases per quarter at gas stations and restaurants. Students also earn 1% cash back on all other purchases. Discover reports to all three credit bureaus, so if you use the card responsibly, your credit score should improve. Discover doesn’t have a traditional welcome offer for this card, but it does have Cash Back Match, meaning whatever you earn in cash back the first year you have the card, Discover will match it. So if you earn $150 in cash back, Discover will give you another $150. We dive into the details and your approval odds in this Student Chrome review.

Discover it Student Chrome

Our Rating

4.0/5.0

Welcome Offer

Unlimited cash back match

Annual Fee

$0

0% Intro on Purchases

6 months

Reward Rate

1% – 2% cash back

0% Intro on Balance Transfers

None

Welcome Offer

Get an unlimited dollar-for-dollar match of all the cash back you earn at the end of your first year, automatically. So you could turn $50 cash back to $100. Or you could turn $100 cash back to $200.

Editorial Review

Features & Benefits

SecurityEMV Chip Enabled, Fraud Monitoring, Zero Liability, Alerts, Identity theft protection, Card Lock
Contactless PaymentsTap to Pay, Apple Pay, Google Pay, Garmin Pay
BenefitsFree credit score access, 24/7 customer service
Travel PerksNone

Rewards

1% cash back
On all other eligible purchases
Earn 1% cash back on all other purchases
2% cash back
Dining
Earn 2% cash back at restaurants
2% cash back
Gas
Earn 2% cash back at gas

Interest Rates & Fees

Annual Fee$0
Foreign Transaction FeeNone
Regular APR18.24% - 27.24% (V) APR
Purchases0% Intro APR for 6 months on purchases, then 18.24% - 27.24% (V) APR after that.

What Credit Score Is Required to Get the Discover it® Student Chrome

The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use numerous factors in their underwriting process, and these factors can change at any time.

Lowest Approved Credit Score: 656

Average Approved Credit Score: 656

App StatusDateCredit ScoreBureauCredit Limit
Approved04/18/2022
656
Experian
$1,500

Pros & Cons

Pros
  • No annual fee
  • No foreign transaction fee
  • Unlimited cash back match for the first year
Cons
  • High APR

What Are the Best Alternatives?

Chase Freedom Rise℠
Chase Freedom Rise℠

Rating

4.2

Rewards Range

1.5% cash back

Annual Fee

$0

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

Rating

4.4

Rewards Range

1.5% - 10%

Annual Fee

$0

Bank of America® Customized Cash Rewards Credit Card for Students
Bank of America® Customized Cash Rewards Credit Card for Students

Rating

4.5

Rewards Range

1% - 3% cash back

Annual Fee

$0

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