4.2 / 5
- Welcome
- 50,000 points
- Annual fee
- $0
Advertiser disclosure: we are paid when you apply through some links on this page. We're paid when you apply via some links. Details
Discover · rewards
Discover it Student Chrome
3.9 / 5
Discover Cashback Bonus · Personal card
Built for students with no credit history, this card matches your entire first year of cash back and charges no annual fee, though the 2% category is capped at just $1,000 a quarter.
At a glance
- Welcome bonus
- No welcome bonus
- No spend requirement
- Annual fee
- $0
- Purchase APR
- 16.49% to 25.49%
- Intro: 0% for 6 months
- FX fee
- None
- BT intro: 0% for 6 months
Editorial
Our take
Built for students with no credit history, this card matches your entire first year of cash back and charges no annual fee, though the 2% category is capped at just $1,000 a quarter.
Verdict
Pros & cons
Pros
- No credit score required to apply
- First-year cash back matched dollar-for-dollar
- No annual fee
- 0% intro APR for 6 months on purchases
Cons
- 2% category capped at $1,000 in combined spend per quarter
- Must be an enrolled student with income to qualify
- Shorter intro APR window than the standard Discover it Chrome
Earnings
Earn rates
| Category | Rate | Notes |
|---|---|---|
| Gas stations & restaurants | 2% | Combined quarterly cap of $1,000 in purchases, then 1%·cap $1,000 |
| All other purchases | 1% |
Benefits
Key benefits
Cashback Match
Discover automatically doubles all the cash back you earn during your first 12 months as a cardmember.
No Credit Score Required
Apply with no credit history as long as you're an enrolled student, 18+, with some income.
No Annual Fee
Keep the card open for free, no annual fee ever.
0% Intro APR
Pay 0% APR on purchases for 6 months.
Fit
Who this is best for
- Students building credit for the first time
- Students who spend on gas and restaurants
- Parents helping a student open a first card
FAQ
Frequently asked questions
What is the Discover it Student Chrome welcome bonus?
Discover automatically matches all the cash back you earn in your first year as a cardmember, with no minimum spend and no limit on the match.
Does the Discover it Student Chrome charge an annual fee?
No. The Discover it Student Chrome has a $0 annual fee.
Does the Discover it Student Chrome have a foreign transaction fee?
No. The Discover it Student Chrome charges no foreign transaction fee, so it works well for international purchases.
Does the Discover it Student Chrome offer a 0% intro APR?
Yes. The card offers an intro APR of 0% for 6 months on purchases. The ongoing purchase APR is 16.49% to 25.49% variable.
Who is the Discover it Student Chrome best for?
Students building credit for the first time. Students who spend on gas and restaurants. Parents helping a student open a first card.
Similar
Related cards
Capital One Spark Cash Plus
capital one
4.3 / 5
- Welcome
- $2,000 cash
- Annual fee
- $150
Discover it Chrome
discover
3.9 / 5
- Welcome
- No welcome bonus
- Annual fee
- $0
Apply
Discover it Student Chrome
No spend requirement
Rates accurate as of October 6, 2026. Issuer terms.