Who is the Discover it Chrome for Students Designed For?

Discover it Chrome for Students is designed for college students with decent credit who are looking for a generous and hassle-free cash back credit card with no annual fee.

What are the Rates?

There is an intro 0% APR on purchases for 6 months and an intro 10.99% APR on balance transfers for 6 months. After that, the rates for purchases and balance transfers range from 13.99% APR to 22.99% APR based on the student's creditworthiness. The cash advance rate is 25.99% APR. These rates are comparable to those offered by most student credit cards. However, Discover it Chrome for Students doesn't have a penalty rate if you pay late.

What Are the Fees?

Low fees are one of the big selling points of the Discover it Chrome for Students card. The card has no annual fee, no late fee on the first late payment, no over limit fee and no foreign transaction fees. It does, however, have a 3% balance transfer fee and a $10 or 5%, whatever is greater, on cash advances and a $37 fee on returned payments and on the second and subsequent late payments.

What Is the Rewards Program Like?

The rewards program is a straightforward cash back program that gives 2% on gas stations and restaurants and 1% cash back on all other purchases. The 2% rate is capped at $1,000 in purchases for every quarter, but there is no cap on the 1% cash back. The program also allows members to use their cash back on Amazon.com.

What about the Signup Bonus?

The regular card does not have a signup bonus, but it sometimes comes with special offers that include a $20 or $50 bonus when you make a purchase within the first three months of opening the account.

Any Other Benefits?

The Discover it Chrome for Students offers members free access to their TransUnion FICO score, has a $0 fraud liability guarantee and a 24-hour U.S based customer service line.

How Is It Better Than Other Credit Cards?

Although it doesn't have the fancy travel and shopping benefits offered by other cards, the Discover it Chrome for Students has a generous cash back program and low rates for a student credit card. The straightforward cash back program allows members to redeem their cash as an account deposit, a gift card or use it to shop on Amazon.com.

It has no annual fee, no foreign transaction fee, and no penalty rate if you're behind on your payments. The complimentary access to your TransUnion FICO score is a useful freebie that will help students manage and improve their credit.

  • Card Type
    • Cash Back
    • Student
    • Balance Transfer
    • Rewards
  • Customer Type
  • Card Network
  • Credit Score Range
    640 - 850
  • Minimum Age
  • Grace Period / Deferred Interest
  • Late Payment Penalty
  • Minimum Interest Charge
  • Returned Payment Fee
  • No Annual Fee
  • No Foreign Transaction Fee
  • Fraud Liability
  • Free FICO Score
  • Cashback
  • Balance Computation
    daily balance (including new transactions)
  • Purchases APR
    13.99% - 22.99%
  • Transfer Fee
  • Balance Transfer APR
    13.99% - 22.99%
  • Introductory Rate
  • 0% Introductory APR
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0 votes

I need this card as I'm a student It will be effective for me any kind of problem regarding studies and

0 votes

Even as a student with limited income and zero credit history, I got approved same day for my Discover card. My credit is actually building now, instead of being nonexistent. I'm super happy with the card and their customer service department, who all speak English and are easy to understand.

0 votes

I love Discover. This is my first card with them, and they have the best customer satisfaction in my book. I got my card in this fancy chrome colored cardboard thing, which was impressive. Ever since I've had them, they've been nothing but wonderful.

0 votes

I didn't think I'd get approved for a Discover Chrome Student Card, but when I did, I was ecstatic! My credit score isn't the best but Discover is such a well-known company I knew I'd done right by getting their card. After a few months, everything's been a-okay!

0 votes

I was always scared to apply for a credit card, but I really like this one. It seems like Discover actually wants to retain you as a customer, as opposed to just eat up your money with interest. I love the cash back deals, especially when shopping online. 5 stars!

0 votes

The customer support here is excellent. Everyone I spoke with was really nice, friendly, and super helpful. I'm excited to have a Discover card. So far it's started off on the right foot, to hopefully it stays that way! The enrollment process was simple and I'm excited to start using it.

0 votes

Since I'm a full time student and can't work that much, I was surprised to get approved for the chrome card with a $500 limit. Since getting it, my credit score has gone up. I only make little purchases so that helps, but I'm really happy with the card.

0 votes

I really like the rewards the Discover Chrome card offers. It's meant for students, who are already paying a bunch for school, so I like that I'm actually getting something back. I'd highly recommend this card for students because it's a great option while you're building your credit.

0 votes

I have a bunch of credit cards and store credit cards, but I think Discover is the best. I actually opened the account with a lower limit than the other cards, but I like the rewards aspect. I generally rotate my rewards with my Discover and another card, so it works out for me.

0 votes

I was really happy to find out that at the end of the year Discover reviews your account and if you've been doing a good job--in terms of paying on time, etc., they will up your credit limit! I got my credit limit upped by $1000 this year. And my FICO score keeps going up. I know, because I find out what it is with my statement.

0 votes

Love this card! The rewards are totally awesome. There are a lot of deals that give you 5% back at certain times of the year, but take a look for really good deals by brand. I've save up to 15% by using my Discover card for a wide variety of special brand merchandise.

0 votes

I applied for the Discover card in addition to two other credit cards I have. This one is obviously the best because every year, I get a credit increase whereas the other cards don't do that (even though I pay them off the same). The rewards are awesome. Great card for beginners.

0 votes

I needed to get my credit up to qualify for more student loans for school, and this card helped me do it. Now I'm trying to get out a car loan, all thanks to this card. My credit is pretty good now, considering I've only had a history of credit for a year or so.

0 votes

It doesn't get much better than the Discover it Chrome, when it comes to credit cards for students. As long as you can prove you're a full time student (preferably in a four-year college program) you will probably get approved, even if your credit score is low and you have little to no credit history. There's no annual fee and the benefits are excellent. Great way to build your credit and get some rewards along the way.

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