Discover it® Student Chrome
Basic Information
Program ID: discover-it-student-chrome
Issuer: Discover
Card Type: Credit
Network: Discover
Card Tier: Standard
Data Complete: Yes
Created: 01/07/2026 18:08
Last Scraped: 01/15/2026 07:46
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | 3% of the amount of each transfer |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 1,824.00% - 2,724.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 6 months
Balance Transfer APR: 2,724.00%
Intro BT APR: 0.00%
Intro BT Duration: 6 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $0.00
Spending Requirement: $0.00
Time Period: 0 days
Bonus Timing: Discover's welcome offer is an Unlimited Cashback Match. Discover will automatically match all the cash back you’ve earned at the end of your first year. There is no fixed initial bonus amount or spending requirement to trigger a specific bonus. The matched cash back will be applied to your account within one to two billing periods after the end of your first 12 consecutive billing periods.
Rewards Program
Reward Type: Cash Back
Base Reward Rate: 1.00%
Bonus Reward Rate: 2.00%
Bonus Categories: 2x Gas Stations, 2x Restaurants
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points do not expire as long as account is active.
Transfer Partners: None
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
- Global Entry Credit: $0.00
- TSA PreCheck Credit: $0.00
Approval Criteria
Recommended FICO Range: 670 - 740
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian
Issuer Rules
Rules: Bonus Rule: Discover automatically matches all cash back earned in the first year, dollar-for-dollar, at the end of the first year. This is not a spend-based bonus. Application Rules: Applicants must be currently enrolled in a 2- or 4-year college or university, be 18 years or older, and have a verifiable source of income (e.g., part-time job, scholarship, allowance). Discover typically allows only one personal credit card per individual at any given time. Proof of enrollment may be required.
Maximum Cards Per Issuer: 1
Minimum Spend Interval: N/A - Bonus is an automatic match of all cashback earned in the first year, not tied to a specific spend threshold.
Shutdown Risk Triggers: Manufactured spending, unusual spending patterns inconsistent with a student profile, rapid credit limit increase requests without corresponding income growth, defaulting on payments, or providing misleading information on the application.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 4.1 / 5.0
Top Positive Feedback:
Excellent for building credit history, offers good cash back rewards on common student spending categories like gas and restaurants, no annual fee, and includes a good grade reward. Discover's customer service is generally highly rated.
Top Negative Feedback:
Credit limits can be low initially, the cash back cap on bonus categories can be reached quickly, and Discover cards are not as widely accepted internationally compared to Visa or Mastercard.
Approval Experience Score: 80.0 / 100
Recommended Alternatives
- Capital One SavorOne Student Cash Rewards Credit Card
- Chase Freedom Rise℠
- Bank of America® Customized Cash Rewards Credit Card for Students
Card Value Score: 78.0 / 100
Est. Annual Rewards: $130.00
User Portfolio Metrics
Avg Portfolio Size: 1 cards
Avg Portfolio Age: 9 months
Store vs Co-brand: 100% General / 0% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0