Discover it® Student Chrome

Discover Discover Standard Pending

Back Apply Now

20

Benefits

2

Reward Categories

2x

Max Reward

21.2%

APR From
Basic Information
PENDING

Program ID: discover-it-student-chrome

Issuer: Discover

Card Name: Discover it® Student Chrome

Card Type: Credit

Network: Discover

Card Tier: Standard

Approved: Pending

Data Complete: Complete

Created: Jan 07, 2026 18:08

Last Scraped: Jan 22, 2026 06:07

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed) 2 Categories
PENDING
Category Rate Type Description Annual Cap Status
Gas Stations & Restaurants 2x Cash Back Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. No Cap
All Other Purchases 1x Cash Back Earn unlimited 1% cash back on all other purchases. No Cap
Rewards Summary
PENDING

Reward Type: Cashback

Base Rate: 1x

Bonus Rate: 2x

Categories: 2x Gas Stations, 2x Restaurants

Quarterly Rotating: No

Expiration Policy: Cashback Bonus never expires as long as your account is active.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Transfer Partners: None

Redemption Penalties: None

Benefits & Protections (Detailed) 20 Total
PENDING
Customer Service 1
24/7 U.S.-based Customer Service
24/7 U.S.-based customer support

Access 24/7 customer service from U.S.-based agents.

Digital Tools 3
Mobile App
Access to mobile app

Manage your account on the go with the Discover mobile app.

Online Account Center
Online account management

Manage your account, pay bills, and view statements online.

Account Alerts
Customizable account alerts

Set up alerts to stay on top of your account activity.

Fees 3
No Annual Fee
$0 annual fee

You pay no annual fee for owning and using the card.

No Late Fee on First Late Payment
No late fee on first late payment

You will not be charged a late fee on your first late payment.

No Penalty APR
No penalty APR

Discover will not raise your APR for late payments.

Financial Tools 1
Free FICO® Score
Free access to FICO® Score

See your FICO® Score for free on your monthly statements and online.

Payment Features 2
Contactless Payments
Contactless payment capability

Tap to pay with your card wherever you see the contactless symbol.

Digital Wallets
Compatibility with digital wallets

Add your Discover card to Apple Pay®, Google Pay™, and Samsung Pay®.

Rewards 5
Accelerated Cash Back at Gas Stations and Restaurants
2% cash back on up to $1,000 in combined purchases each quarter

Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter.

Unlimited 1% Cash Back on All Other Purchases
1% cash back

Earn unlimited 1% cash back on all other purchases.

Unlimited Cash Back Match
Dollar-for-dollar match of all cash back earned in the first year

Get an unlimited dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically. Only for new cardmembers.

Cash Back Never Expires
Cash back never expires

Your cash back rewards never expire.

Flexible Cash Back Redemption
Flexible redemption options

Redeem your cash back any amount, any time.

Security 4
Free Social Security Number Alerts
Free SSN alerts

Get alerts if your Social Security number is found on thousands of dark web sites.

Freeze it® On/Off Switch
Account freeze capability

Freeze your account in seconds with an on/off switch to prevent new purchases, cash advances, and balance transfers.

Online Privacy Protection
Personal info removal from people-search sites

Discover helps remove your personal info from select people-search sites that could sell your data.

Fraud Protection
Zero liability for unauthorized purchases

You're never responsible for unauthorized purchases on your Discover card.

Student Perks 1
Good Grades Reward
$20 statement credit per year for good grades

Get a $20 statement credit each school year your GPA is 3.0 or higher for up to the next 4 years.

Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Global Entry Credit: $0

TSA PreCheck Credit: $0

Sign-Up Bonus
PENDING

$0

Cash Back

Requirement: Spend $0 in 360 days

Timing: Discover will automatically match all the cash back you've earned at the end of your first year. The matched cashback will be credited to your account within one to two billing periods after your 12th billing period closes.

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Authorized User Fee: $0.00
Penalty APR: 0.00%
Min Interest Charge: $0.00
Additional Fees
PENDING
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 & APR
PENDING
Standard APR

Purchase APR: 21.24% - 29.24%

Balance Transfer APR: 29.24%

Cash Advance APR: 29.99%

Intro APR Offers

Intro Purchase APR: 0% for 6 months

Intro BT APR: 0% for 6 months

Promo Duration: 0 months

Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 669
Good
Supported
Application Process
Available
Not Available
One of the three major bureaus (Experian, TransUnion, or Equifax)
Issuer Rules & Policies
PENDING

Rules: Discover's signature Cashback Match: All cash back earned in the first year is automatically matched dollar-for-dollar at the end of the first year. No minimum spend required to activate the match, just use the card. Application rules for 2026 require applicants to be currently enrolled in a two-year or four-year college or university, typically requiring proof of enrollment (e.g., student ID, transcript). Applicants must be 18 years or older and demonstrate some ability to pay (e.g., part-time job, allowance, financial aid). Discover enforces a strict 'one personal card at a time' rule, meaning applicants cannot hold another personal Discover credit card simultaneously.

Max Cards Per Issuer: 1

Min Spend Interval: N/A for Cashback Match; bonus is applied automatically at the end of the first year based on all cash back earned.

Shutdown Risk Triggers: Manufactured spending, abuse of rewards programs, sudden large or unusual spending patterns inconsistent with historical behavior, repeated balance transfers without repayment, high-risk merchant categories, failure to pay, or suspected fraudulent activity.

Cliff Effect Rules: Discover's 'one personal card at a time' rule acts as a significant cliff effect, preventing cardholders from opening multiple Discover personal cards to earn multiple sign-up bonuses or diversify rewards strategies within the Discover ecosystem. This limits progression to other Discover products until the existing card is closed or product changed.

International Friendly: Yes

User Analytics & Insights
PENDING
User Ratings

Average Rating: 4.2 / 5.0

Top Positive:
No annual fee, good cashback rewards on everyday student spending categories like gas and restaurants, excellent customer service, and a strong tool for building credit history.

Top Negative:
Lower credit limits compared to non-student cards, rewards structure might not be optimal for all spending habits, and some users desire higher earning rates.

Approval Experience: 88.0 / 100

Recommended Alternatives
  • Capital One SavorOne Student Card
  • Chase Freedom Rise
  • Bank of America Customized Cash Rewards for Students

Card Value Score: 85.0 / 100

Est. Annual Rewards: $128.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0