Credit Cards (US)

Discover it® Student Chrome credit card full review

Are you a student and need to start thinking about your financial life planning? The Discover it® Student Chrome credit card can help you with it. Check out the full review!

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by Aline Augusto

Published on 11/05/2021

A great start with Discover it® Student Chrome credit card

Discover it® Student Chrome credit card full review. Source: Discover.
Discover it® Student Chrome credit card full review. Source: Discover.

The Discover it® Student Chrome credit card is an option for students who do not have a credit score and want to build it.

The card doesn’t require a credit history. As well as it offers a $0 annual fee and a package of benefits and rewards, including a welcome bonus.

Then, take a look at the review we have prepared for you, so you can focus on your future.

Credit ScoreFair (and no credit history required)
Annual Fee$0
Regular APRFrom 12.99% to 21.99%
Welcome bonusCashback Match program in the first year
RewardsFrom 1% to 2% cashback

How to apply Discover it® Student Chrome card

The Discover it® Student Chrome credit card is a good choice for students who need a start in financial planning. See how to apply for it now!

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No annual fee, 0% Intro APR, Cashback Match and more 

Are you looking for a credit card that helps you with building your credit history? The Discover it® Student Chrome delivers that and more.

First of all, there is no annual fee. Also, there is a 0% Intro APR on purchases in the first 6 months. 

Second, there is a welcome bonus in the first year, which Discover matches the cashback you earned. For example, if you earn $50 cashback, Discover will add $50, summing $100 cashback.

Third of all, it offers a flexible cashback reward program, from 1% on all purchases and 2% on purchases at gas stations and restaurants, combined up to $1,000 in each quarter.

Finally, this cashback can be redeemed as a statement credit, purchases on specific stores, or transfers to a bank account. And there is no expiration date or limit whatsoever.

All benefits you need by Discover it® Student Chrome card

All benefits you need by Discover it® Student Chrome card. Source: Discover.
All benefits you need by Discover it® Student Chrome card. Source: Discover.

The Discover it® Student Chrome credit card offers a good reward program, even with an average rate from 1% to 2%. Also, you may find it is difficult to understand the 2% tier, as it requires combined purchases on specific categories each quarter, up to $1,000.

However, it provides you with the chance of building credit history with no annual fee and an intro APR of 0.

That is why it is an option for students who are beginning to think of their financial life planning.

And thinking of it, Discover offers two programs:

  • Good Grade Reward: you can earn $20 each school year your GPA is at least 3.0, up to 5 years;
  • Refer-a-friend program: as a cardmember, you can get a statement credit when you refer a friend, and they get approved.

Plus, you can download the Discover Mobile App and stay 24/7 tuned to monitor your financial activity. 

Furthermore, you can choose the card design that fits your profile. And those designs are beautiful.

Pros

  • No annual fee
  • 0% Intro APR on purchases
  • Helps to build credit history
  • Welcome bonus
  • Refer-a-friend feature
  • Discover Mobile App
  • Reward program

Cons

  • Average cash back rate
  • Limited categories and amount on the 2% cash back tier each quarter

Credit score recommended for the application

The good thing about this student card is that you don’t need a credit history to apply for it. So, you can build a credit score using it.

Learn how to apply for a Discover it® Student Chrome credit card

The Discover it® Student Chrome card is designed to help students begin their financial life planning. Then, check out now how to apply for it!

How to apply Discover it® Student Chrome card

The Discover it® Student Chrome credit card is a good choice for students who need a start in financial planning. See how to apply for it now!

About the author

Aline Augusto

My name is Aline Mesquita; I'm a writer here on the blog, where I write about finance in general and other subjects. I have been working with content creation for ten years. Also, I'm post-graduated in Project Management, with expertise in SEO practices. Currently, I am studying finance, market trends, and cryptocurrencies.

Reviewed by

Aline Barbosa

Senior Editor

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