Discover it Chrome for Students

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An outstanding choice for students who drive or dine out frequently.

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Discover it Chrome for Students and Discover it for Students are nearly identical credit cards. They both come with few fees, a low annual percentage rate for qualified cardholders and generous rewards. Either is a fantastic choice for college-age adults new to credit.

The main difference: Chrome’s rewards are tailored toward gas and restaurant purchases, while Discover it for Students offers a 5% bonus on rotating categories. If you’re not a big driver or don’t dine out frequently, Chrome’s sibling may be a better choice.


The Discover it Chrome for Students card is jam-packed with goodies. It offers 2% cash back up to $1,000 a quarter on gas and restaurant purchases, and 1% on all other purchases. Discover will match dollar-for-dollar all the cash back you’ve earned at the end of your first year. There’s also a $20 bonus every year you get a GPA of 3.0 or higher, which should be more than enough to buy an apple for every teacher you have.

The card comes with an OK introductory offer on purchases and a less impressive one on balance transfers. There’s also a 3% balance transfer fee, so you’d be better off transferring a balance to a card with a 0% APR offer.

College students typically haven’t built up as much credit history as those in the workforce and might not be eligible for many credit cards. The Discover it Chrome for Students is like a kindly grandparent, giving those with fledgling credit histories a chance, and it charges no annual fee.

Who should get this card

If you’re a college student who is financially organized and looking to build up your credit score, the Discover it Chrome for Students can reward you for your efforts.

  • You don’t need perfect credit to qualify for this card.
  • Get $20 back each school year your GPA is 3.0 or higher for up to five years.
  • The opportunity to earn cash-back rewards is especially generous for a student card.
  • At the end of the first year, all the cash-back earnings are automatically matched
  • The enhanced rewards for gas and restaurant spending aren't worth it if you don't drive or dine out frequently.
  • Other cards have better introductory balance transfer offers.
  • There’s no sign-up bonus with this card, although you do get a cash-back match at the end of the first year.

Fees and APR

  • This card has a 6-month 0% introductory APR offer on purchases. After that it’s a variable 13.99% to 22.99%.
  • There’s a 6-month introductory APR offer on balance transfers of 10.99%, after that it’s a variable 13.99% to 22.99%.
  • You’ll pay no annual fee.
  • There’s no foreign transaction fees, making this card a good choice for students studying abroad (where Discover cards are accepted).
  • Late payments won’t affect your annual percentage rate.
  • There’s a balance transfer fee of 3%.
  • First late payment fee is waived, after that it’s up to $37.

Extras, perks and using rewards

View your approximate FICO score for free on your monthly statement.

The Freeze It feature allows you to turn your card on or off to prevent new purchases, cash advances and balance transfers.

Redeem your rewards at any time in any amount as a credit on your statement, an electronic bank deposit, gift cards through Discover partners (in $20 increments) or use to shop on

How this card compares

Discover it® for Students
Card Details
  • Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
  • Earn 5% cash back at and Target now through December 2017, on up to $1,500 in purchases when you activate. Plus, 1% cash back on all other purchases.
  • Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Freeze It®on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
  • New! Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 13.99% -22.99%.
Credit Needed Fair
Regular APR 13.99% - 22.99% Variable
Annual Fee $0
Purchase Intro APR 0% for 6 months
Balance Transfers Intro APR 10.99% for 6 months

The Discover it for Students has the same rates and perks as the Discover it chrome for Students but instead it has rotating bonus categories that pay 5% cashback up to a quarterly maximum of $1,500, and an unlimited 1% on everything else. Depending on how you spend this might make the Discover it for Students a better option than the Discover it Chrome for Students..

Journey® Student Rewards from Capital One®
Card Details
  • Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
  • There's no limit to the amount of cash back you can earn, and rewards won't expire for the life of the account
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Pay no annual or foreign transaction fees
  • Fraud coverage if your card is lost or stolen
  • Pick the monthly due date that works best for you
Credit Needed Fair
Regular APR 24.99% (Variable)
Annual Fee $0
Purchase Intro APR N/A
Balance Transfers Intro APR N/A

The Journey Student Rewards from Capital One card is decent for those just starting to build up their credit score or anyone with average credit who may not qualify for other cards. But there are other cards aimed at those with less-than-stellar credit that offer better cash back rewards and you’re likely to get a better rate on the APR too.

Citi ThankYou® Preferred Card for College Students
Card Details
  • Earn 2,500 bonus points after spending $500 in purchases within the first 3 months of account opening*
  • 2,500 ThankYou® Points are redeemable for $25 in gift cards, electronics and other great rewards when redeemed at
  • Earn 2X Points on Dining Out & Entertainment
  • Earn 1X Points on All Other Purchases
  • No expiration and no limit to the amount of points you can earn with this card
  • Travel with ease and enjoy global acceptance with Chip Technology
  • No annual fee*
Credit Needed Good
Regular APR 15.49% - 25.49%* (Variable)
Annual Fee $0*
Purchase Intro APR 0%* for 7 months on Purchases*
Balance Transfers Intro APR N/A

If you know you can use a credit card responsibly (which means paying your bill on time every month) you may as well be rewarded for doing so. The Citi Thank You Preferred Card for College Students offers top rewards, but doesn’t offer much flexibility for cardholders who pay late or who carry a balance.


Opinions expressed here are author's alone, not those of any bank, credit card issuer, airlines, or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.