
Rating: 5 Stars
Bottom Line:
Student Cash Back at Gas and Restaurants
TABLE OF CONTENTS
Card Details
Regular APR: | 14.74% – 23.74% (Variable) |
Intro APR (Purchases): | 0% for 6 months |
Intro APR (Balance transfers): | 10.99% for 6 months on qualifying balance transfers |
Rewards Rate: | Earn 2% Cash Back at gas stations and restaurants on up to $1,000 in combined purchases each quarter Earn unlimited 1% cash back on all other purchases – automatically Discover will match all the cash back you’ve earned at the end of your first year, so your cash back gets doubled |
Credit Needed: | (580-669) Average/Fair |
Annual Fee: | None |
Card Brand: | Discover |
*See online credit card application for details on the terms and conditions.
Offer Highlights
- Click APPLY NOW to apply online
- Get $20 statement credit each school year your GPA is 3.0 or higher for up to next five years
- Earn 2% Cash Back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically
- Cashback Match: We’ll automatically match all the cash back you’ve earned at the end of your first year. There’s no signing up. And no limit to how much we’ll match
- Your cash back never expires. Redeem your rewards in any amount, at any time
- Free Social Security number alerts: we’ll monitor thousands of Dark Web sites when you sign up
- If you misplace your card, you can freeze your account in seconds on the mobile app or website to prevent new purchases, cash advances, and balance transfers
- Easily view your FICO Credit Score on monthly statements, mobile and online for free
Is Discover It Student Chrome worth it?
Discover It Student Chrome is a great card for students looking to build credit and earn cash back on gas and restaurants purchases. Students 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, and Discover will match all the cash back you’ve earned at the end of your first year so your cash back gets doubled. The $20 statement credit each school year you earn a 3.0 GPA or higher is a nice perk.
Pros
- Build your credit
- Report to all three major credit bureaus
- Earn 2% Cash Back at gas stations and restaurants on up to $1,000 in combined purchases each quarter
- Discover will match all the cash back you’ve earned at the end of your first year, so your cash back gets doubled
- No annual fee
Cons
- No 0% Intro APR for balance transfers
Why 5 Stars?
Regular APR
4 Stars
Intro APR
4 Stars
Fees
5 Stars
Perks
5 Stars
Overall
5 Stars
Fees
Foreign Transaction Fee | None |
Balance Transfer Fee | After January 10, 2020, you no longer get an intro fee of 3% of the amount of each balance transfer that has posted to your account. It then becomes 5% of the amount of each transfer. |
Cash Advance Fee | Either $10 or 5% of the amount of each cash advance, whichever is greater |
Penalty APR | None |
Benefits
$0 Fraud Liability
Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.
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