Discover it Chrome for Students: Build Your Credit And Earn Valuable Rewards

Earn rewards with the Discover it Chrome, one of Discover’s two student credit card offerings.
Last updated Dec 12, 2019 | By Kevin Payne

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Not all student credit cards are created equal; some are designed to simply help you build credit while others offer valuable rewards. Discover it Chrome for Students is one of the few that rewards you for everyday purchases and doing well in the classroom — you get a $20 statement credit every year your GPA is 3.0, for up to five years.

While this card does come with some perks for students, how does it compare to similar student credit cards?

Earn Cash Back for Good Grades

Discover it Chrome for Students

Discover it Chrome for Students

Discover it Chrome for Students

Benefits

  • 0% intro APR on purchases for 6 months
  • Up to 2% cash back at restaurants and gas stations
  • $20 statement credit each year for 3.0 GPA or higher
  • No annual fee


Who should get this card?

Students looking for a starter credit card should consider the Discover it Chrome for Students. It’s perfect for building credit, which will come in handy in the future. As you use your card for purchases and pay off the balance each month, you’ll raise your credit score and develop healthy financial habits.

Just because you’re getting a student credit card doesn’t mean you can’t earn rewards too. With this card, you'll earn 2X cash back at restaurants and gas stations (up to $1,000 quarterly). You’ll also earn 1X cash back on all other purchases. All of your spending puts cash back in your pocket with Discover it Chrome. In terms of rewards, it’s one of the best credit cards for students.

Card basics

Annual Fee $0
Intro Bonus Discover will automatically match the cash back you've earned at the end of your first year — and there's no limit.
Recommended Credit Score Good, Fair
Intro APR 0% for 6 months

Top card benefits

  • Cash back matching: Discover will automatically match the cash back you've earned at the end of your first year — and there's no limit.
  • Introductory APR: Take advantage of a 0% introductory APR for 6 months. Consider making any large purchases, like educational expenses, and paying them off over time.
  • No annual fee: Discover it Chrome for Students has a $0 annual fee. With all the hidden expenses with being a college student, it’s good to know someone is looking out for you.
  • Security alerts: Discover it Chrome cardholders can opt to receive a variety of security alerts, such as new account alerts and potential fraud alerts. You can also sign up to receive alerts if Discover finds your Social Security number on the Dark Web.
  • Good grade reward: Discover gives you more than just the satisfaction of knowing you did your best when you get good grades. They reward you with a $20 statement credit every year your GPA is 3.0 or higher for up to five years.

Earning & redeeming

Best ways to earn

Earning cash back is simple with the Discover it Chrome. College students on the go can take advantage of 2X cash back at restaurants and gas stations (up to $1,000 quarterly) on up to $1,000 in combined purchases each quarter.

Students will also earn unlimited 1X cash back on all other purchases. That means you’ll earn cash back on all of your education expenses, like school supplies, electronics, clothes, and more. Making Discover it Chrome for Students your primary credit card will maximize cash back earning potential.

Categories Rewards rate
Restaurants 2X
Gas Station 2X
Everything Else 1X

Maximizing your redemptions

Cashback rewards can be redeemed at any time with your Discover it Chrome credit card. Redemptions come in many forms, including cashback rewards for statement credits, electronic deposits into designated accounts, or gift cards for partner merchants. Rewards can also be donated to your favorite charities, as well.

Discover it Chrome cardmembers can redeem rewards easily through their online account or by phone.

Common questions

What is the difference between the Discover it Cash Back for Students and Discover it Chrome for Students?

Discover’s two student credit card options are very similar. The main difference is that Discover it Chrome for Students offers 2X cash back in specific categories, and Discover it Cash Back gives 5% cash back in spending categories that change quarterly.

Is Discover it Chrome for Students a good card?

If you’re looking to build credit while earning rewards, the Discover it Chrome for Students is a solid addition to your wallet. It’s a perfect first credit card. You won’t be weighed down by annual fees and can even get rewarded for good grades.

How do I qualify for a student Discover Card?

To qualify for a student credit card from Discover, you must be a current college student. You’ll be asked to provide proof of your education status. Applicants are also subject to a credit check to determine creditworthiness and verify identity.

Does Discover raise your credit limit?

Cardholders can request a credit line increase online by logging into their account and completing a request. You can also request an increase by calling Discover at 1-800-DISCOVER. Updating any changes to your personal information, such as income and housing, may help you become eligible for limit increases.

Other cards to consider

If you are interested in earning rewards, another card to consider is the Citi Rewards+ Student Card. New cardmembers earn 2,500 bonus points after $500 in purchases in the first 3 months from card opening. The points you earn from this card round up to the nearest ten on every purchase, no matter how small. Plus, you’ll earn 2x points on supermarkets and gas stations for first $6,000 in purchases each year, and 1x points on all other purchases. The Citi Rewards+ Student Card also offers a 0% introductory APR for the first 7 months.

Students looking for higher rewards earning can also look to Discover’s other student credit card. Discover it Student Cash Back has a $0 annual fee and you can earn 5% cash back in rotating categories each quarter on up to $1,500 in purchases, and 1% cash back on all other purchases.

Earn Cash Back for Good Grades

Discover it Chrome for Students

Discover it Chrome for Students

Discover it Chrome for Students

Special Offer

Discover will automatically match the cash back you've earned at the end of your first year — and there's no limit.

See how these cards compare:

Citi Rewards+ Student Card
Citi Rewards+ Student Card
  • Earn 2,500 bonus points after $500 in purchases in the first 3 months
  • Earn 2X ThankYou Points at supermarkets and gas stations; 1X points on all other purchases
  • Get 10% ThankYou Points back for the first 100,000 points redeemed per year
  • Automatically rounds up to the nearest 10 points on each purchase
  • No annual fee
Discover it Student Cash Back
Discover it Student Cash Back
  • 0% intro APR on purchases
  • 5% cash back in rotating bonus categories quarterly
  • Matched cash back at the end of your first year
  • $20 statement credit each year for 3.0 GPA or higher
  • No annual fee

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