Discover it Student Chrome
Student credit card offering cashback on gas and dining, no annual fee, and easy credit building.
By: Zienic
2% cashback on gas and dining purchases
Students earn 2% cashback when spending at gas stations and restaurants, helping to maximize rewards on common student expenses.
Unlimited 1% cashback on all other purchases
Every purchase outside of gas and dining earns 1% cashback with no limits, ensuring students are always rewarded for their spending.
No annual fee and Cashback Match in the first year
The card comes with no annual fee and Discover automatically matches all the cashback earned at the end of the first year.
Free FICO® Score and credit-building tools
Students gain free access to their FICO® Score and resources that support responsible credit building and financial growth.
Why the Discover it Student Chrome Stands Out
The Discover it Student Chrome card is built specifically for college students, making it easier to manage expenses while developing healthy financial habits. One of the biggest advantages is the cashback program: students earn 2% back at gas stations and restaurants, and 1% back on all other purchases. At the end of the first year, Discover automatically matches the total cashback earned, effectively doubling rewards. The absence of an annual fee makes it an accessible option for young adults who may not have consistent income. Additionally, the card offers free access to a FICO® Score, allowing students to track their credit growth over time. Discover also provides valuable educational resources and account alerts to help students avoid overspending or missing payments. With flexible redemption options—like statement credits, direct deposits, or gift cards—students can make the most of their rewards. The Discover it Student Chrome card strikes a balance between practicality and benefits, making it a strong companion for everyday student life.
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Does the Discover it Student Chrome have an annual fee?
No, this card has no annual fee, making it affordable for students.
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What credit score is needed to apply?
The card is designed for students with little to no credit history, so no prior credit is required.
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How does the Cashback Match work?
At the end of the first year, Discover matches all the cashback earned, effectively doubling rewards automatically.
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Can international students apply?
Typically, applicants need a Social Security number, which may limit eligibility for international students.
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How can rewards be redeemed?
Cashback can be redeemed as statement credits, direct deposits, gift cards, or even used on select online purchases.
How to Apply for the Discover it Student Chrome
Applying for the Discover it Student Chrome is straightforward and student-friendly. The process can be completed online in just a few minutes. Students will need to provide basic personal information, including Social Security number, school details, and financial information such as income sources. Since the card is designed for those with limited or no credit history, students do not need an extensive credit background to qualify. Discover reviews each application individually, taking into account student status and ability to manage credit responsibly. If approved, the card typically arrives within a week, and students can activate and manage it through Discover’s secure online platform or mobile app. Applicants should ensure that they provide accurate information and review the terms before submitting their application. It’s also recommended to have a steady source of income, whether from a part-time job, internship, or allowance, to improve the chances of approval. By applying responsibly, students can start building a positive credit history that will benefit them long after graduation.