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  Discover it Chrome for Students

Discover it Chrome for Students

in Personal Credit Cards from Discover Bank

Claimed

Discover it Chrome for Students

Claimed

in Personal Credit Cards from Discover Bank

SuperMoney Net Recommendation Score +57% Recommendation score measures the loyalty between a provider and a consumer. It's at +100% if everybody recommends the provider and at -100% when no one recommends.

Strongly recommended

4 users recommend
3 users are unsure
0 users don't recommend
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Highlights
Highlights
Community Rating Strongly recommended
Balance Transfer APR  (Variable APR) 14.49% - 23.49%
Credit Score Range 640 - 850
Annual Fee $0
Purchase APR  (Variable APR) 14.49% - 23.49%
Rewards Rates
  • Every Purchase
  • Gas
  • Restaurants
Number of Reviews 7

Discover it Chrome for Students Review

Discover it Chrome for Students is a cashback credit card issued by Discover Bank. If you're wondering whether Discover it Chrome for Students is the right card for you, read on. This is everything you need to know to make a good choice.

Key takeaways:

  • Earn 1% cash back on everyday purchases.
  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 6 months.
  • Competitive APRs. Discover it Chrome for Students has a variable purchase APR that ranges from 14.49% up to 23.49%.
  • No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
  • 3% Balance transfer fee. Discover it Chrome for Students charges a fee of up to 3% on balance transfers. For example, a balance of $1,000 could cost up to $30 in transfer fees.
  • Student credit card. This card is geared toward students. In other words, college students with limited credit history and low incomes can still apply, especially if they have a cosigner ready to vouch for them.
  • Fair or better credit required. You stand a chance of qualifying if your credit score is not below 640.

Discover it Chrome for Students Pros and Cons:

The Good The Bad
  • You earn a full 2% Cashback Bonus on your first $1000 in combined gas and restaurant purchases each calendar quarter.
  • Lower than average purchase APRs.
  • Has an introductory APR rate on balance transfers of 10.99%.
  • 0% APR on new purchases during the first 6 months.
  • No annual fee.
  • Free access to your credit score.
  • Cardholders can earn rewards on every purchase.
  • Earn rewards on every purchase.
  • Discover it Chrome for Students reports to multiple credit bureaus.
  • Cardholders can earn rewards on their purchases.
  • Does not offer a signup bonus.
  • Charges a 3% balance transfer fee.

Is there a Discover it Chrome for Students cash back or rewards program?

Discover it Chrome for Students is a cashback card. This means you earn a percentage of your purchase as a cash reward. With Discover it Chrome for Students you receive 1% cash back on every purchase. For example, if you buy a $1,000 laptop, you will receive $10 back in cash. However, you can earn up to 2% for purchases in a bonus category.

Discover it Chrome for Students Rewards
Rewards rate (all purchases) 1%
Max rewards rate 2%
Annual rewards limit N/A
Signup Bonus ($) N/A
Signup Bonus Spend Requirement $0
Annual Loyalty Bonus $20

Does Discover it Chrome for Students have a signup bonus?

Discover it Chrome for Students doesn't offer a cash signup bonus.

Does Discover it Chrome for Students offer an annual loyalty bonus?

Yes, Discover it Chrome for Students offers card users an annual bonus worth up to $20.

What are the Discover it Chrome for Students benefits?

Discover it Chrome for Students provides the following benefits:

  • Free Credit Score
  • Zero fraud liability
  • ID Theft Protection
  • Reports to major credit bureaus

What are the relevant APRs for Discover it Chrome for Students?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Discover it Chrome for Students has lower than average purchase APRs.

Discover it Chrome for Students has a variable purchase APR that ranges from 14.49% up to 23.49%. The card has a variable balance transfer APR that ranges from 14.49% up to 23.49%. It also has a variable cash advance APR of 26.49% .

The good news is this card does not charge a penalty APR if you are late on a payment.

Does Discover it Chrome for Students have an introductory APR offer on balance transfers?

Yes, Discover it Chrome for Students offers an introductory APR rate on balance transfers of 10.99% for a period of up to 6 months.

Discover it Chrome for Students Balance Transfers
Description
Balance Transfer APR 14.49% - 23.49%
Balance Transfer Introductory APR 10.99%
Balance Transfer Intro APR Period (months) 6
Balance Transfer Fee % 3%
Balance Transfer Fee % After Intro Period N/A
Balance Transfer Fee Intro Period (days) N/A
Balance Transfer Fee Minimum N/A

Does Discover it Chrome for Students have an introductory APR offer on new purchases??

This card does offer an introductory APR rate of 0% on qualified purchases for a period of up to 6 months.

Discover it Chrome for Students Purchase Intro Offer
Description
Introductory Rate 0%
Purchase Intro APR Period (months) 6

What are the Discover it Chrome for Students fees?

The following fees apply to Discover it Chrome for Students:

Discover it Chrome for Students Fees
Fees Amount
Annual Fee $0
Returned Payment Fee up to $40
Late Payment Fee up to $40

Does Discover it Chrome for Students report your account activity to credit bureaus?

Discover it Chrome for Students reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and can help improve your credit score.

How to apply for Discover it Chrome for Students

  • Visit the Discover it Chrome for Students website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.
  • If you're denied click here to find out why your application may have been rejected and what you can do about it.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Every Purchase (Points) Earn 2% Cash Back At gas stations and restaurants on up to $1,000 in combined purchases each quarter.
Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 6 months
No Annual Fee  
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 5%
Minimum Cash Advance Fee ($) Starting at $10
Minimum Interest Charge $0.50
Returned Payment Fee Up to $40
Late Fee Amount Up to $40
Customer Type Student
Minimum Age 18
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 640 - 850
Card Type
  • Balance Transfer
  • Cashback
  • Rewards
  • Student
  • Zero Percent
Card Network Discover
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Fraud Liability  
Credit Card Benefits
  • Fraud Liability
  • Free Credit Score
  • Identity Theft Protection
Free FICO Score  
Bonus Rewards Get $20 statement credit each school year your GPA is 3.0 or higher for up to next five years.
Annual Loyalty Bonus $20
Rewards Rates
  • Every Purchase
  • Gas
  • Restaurants
Rewards Type Cash Back
Cash Advance APR (Variable APR) 26.49%
Balance Computation daily balance (including new transactions).
Penalty APR (Variable APR) 0%
Purchase APR (Variable APR) 14.49% - 23.49%
Balance Transfer Introductory APR (Variable APR) 10.99%
Balance Transfer Intro APR Period (Variable APR) 6 months
Balance Transfer APR (Variable APR) 14.49% - 23.49%
Balance Transfer Fee % 3%

Discover it Chrome for Students Community Reviews

 

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Annual Fee $0 Annual Fee
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