Credit card review
Discover it Student Chrome Review
DiscoverDiscoverStudentCash backNo annual fee
Discover it Student Chrome earned 4.3 / 5 in our 2026 review. The Discover it Student Chrome earns 2% on gas with no annual fee, a Unlimited Cashback Match for first year welcome offer. Here is the full Fintiex review for 2026.
By the Fintiex Card Desk · Updated 2026-04-29
TL;DR
Annual fee
$0
Signup bonus
Yes
Top reward rate
2% on gas
Intro APR
None
Issuer
Discover
Network
Discover
Min credit score
300
Fintiex rating
4.3 / 5
Pros
- +2% cash back at gas stations and restaurants (up to $1,000 combined purchases per quarter)
- +Cashback Match: Discover doubles all cash back earned at the end of the first year
- +No annual fee
- +No foreign transaction fees
- +No penalty APR for first late payment
- +Free FICO credit score monitoring
- +Good Grade Reward: $20 statement credit each school year GPA is 3.0 or higher
- +Freeze account instantly via app or website
Cons
- -2% categories capped at $1,000 per quarter
- -Discover not as widely accepted internationally as Visa or Mastercard
- -Only 1% after the cap on gas and restaurant categories
- -Requires you to be a student enrolled in a 2- or 4-year college
Rewards detail
gas
2%
restaurants
2%
everything else
1%
Rates and fees
Annual fee
$0
Purchase APR
18.24% to 27.24%
Variable, based on prime rate and creditworthiness
Intro APR
Not offered
Balance transfer APR
18.24% to 27.24%
Cash advance APR
29.99%
Balance transfer fee
3%
Or $5 minimum, whichever is greater
Foreign transaction fee
None
Who it's for
The Discover it Student Chrome is built for people who want a student, cash back or no annual fee card. Most approvals land at FICO 300 and above, but issuers prefer scores near 580. If your credit profile is below the minimum, look at one of the secured or student picks on our hub before applying to avoid an unnecessary hard inquiry.
Not sure this is the right fit? See our best student cards roundup.
Compare with similar cards
Frequently asked questions
Does the Discover it Student Chrome have a foreign transaction fee?
No. The Discover it Student Chrome charges no foreign transaction fees, so it works well for travel abroad. You pay the same network exchange rate you would get at home.
What credit score do I need for the Discover it Student Chrome?
Approvals typically start around a FICO score of 300, but Discover prefers 580 and above. Income, debt-to-income ratio, and existing relationships with the issuer also factor in.
How much is the Discover it Student Chrome signup bonus?
The Discover it Student Chrome offers Unlimited Cashback Match for first year. Activation rules vary by issuer, so read the terms before you apply.
Does the Discover it Student Chrome have a 0% intro APR offer?
No. The Discover it Student Chrome does not currently offer a 0% intro APR period. The standard variable purchase APR is 18.24% to 27.24%. If you need a 0% intro card for a big purchase or balance transfer, check our 0% APR picks instead.
How much is the annual fee on the Discover it Student Chrome?
$0. The Discover it Student Chrome has no annual fee, so the math is simple: every dollar of rewards is pure savings.
Is the Discover it Student Chrome worth it?
Fintiex rates the Discover it Student Chrome 4.3 out of 5 for 2026. It is best for student and cash back and no annual fee. Compare against our top picks in each category before you apply to make sure it matches your spending pattern.
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