Reviews

Discover it® Student Chrome Review: A Top-Notch Starter Card

Rickie C. Keys, Ph.D., MPH

Mar 23, 2024 — 1 min read

Features

Annual Fee: $0, making it budget-friendly for students.
APR: 0% intro APR on Purchases for 6 months and 10.99% intro APR on Balance Transfers for 6 months, then a Variable APR of 18.24%-27.24%.
Rewards: 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, plus unlimited 1% on all other purchases.
Intro Offer: Discover's Cashback Match™ doubles all the cash back you've earned at the end of your first year.

Benefits

Simplified Rewards Structure: Earn cash back easily without activating specific categories.
Build Credit History: Reports to all three major credit bureaus, aiding in credit score development.
Intro APR Period: Provides a cushion for large purchases or balance transfers in the initial months.
Sign-up Bonus: The Cashback Match™ offers a potentially lucrative bonus without a minimum spend requirement.

Product Summary

The Discover it® Student Chrome card is an excellent option for students looking to make the most out of their everyday expenses. With no annual fee and a straightforward rewards program that offers 2% cash back on gas and dining, students can earn rewards on purchases they are likely already making. The introductory APR period and the unique first-year cashback match feature also provide significant value, making it a financially savvy choice for students beginning their credit journey. While the card’s rewards program is attractive, its potential limitations on international acceptance should be considered for those who travel. The Discover it® Student Chrome is a compelling choice for students seeking rewards, credit building, and financial flexibility.

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