Discover it® Student Chrome

This card is built for students who want a simple first credit card with no annual fee and a low-maintenance cash-back setup. It works best as a starter card for small everyday spending and credit-building, not as a card for maximizing rewards.

Annual Fee

Rec. Credit Score

Rebuilding

Good For

Student credit building

How to Apply Estimate your value

All information about Discover it® Student Chrome has been collected independently by MaxRewards. Discover it® Student Chrome is no longer available through MaxRewards.

Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.

Overview

Is the Discover it® Student Chrome worth it?

This card is great for...

First credit card

Everyday campus spending

No annual fee cash back

Yes, if your main goal is getting a student card that is easy to keep long term while you build credit. With no annual fee and a straightforward cash-back structure, the Discover it Student Chrome fits cardholders who want something simple for groceries, gas, snacks, streaming, and other regular purchases without worrying about rotating categories or travel rewards.

It is less compelling if rewards are your top priority. A flat 1% back on most purchases is modest, so this card makes the most sense as a beginner option rather than a long-term rewards play. If you expect to carry a balance, the value of the rewards will be quickly outweighed by interest, so it is strongest for students who plan to pay in full each month.

MaxRewards Verdict

The Discover it Student Chrome is a solid first card for students who want to build credit with a simple, no-annual-fee account. Its main limitation is easy to understand: the rewards are modest, so heavy spenders will likely outgrow it.

Earning

Rewards

This card keeps rewards simple with cash back rather than points or miles. Think of it as a basic earnings card for everyday purchases, with the most value coming from regular use and on-time payments instead of outsized bonus categories.

CategoryRate

Dining

Jul 1 – Sep 30 · Up to $1,000 in spend

Everywhere

Benefits

More Benefits

Price drop protection

We’re so confident in our prices, that if you book when we recommend, we'll keep watching the price for 10 days. If it drops, we’ll give you up to $50 in travel credit to help cover the difference.

Price match guarantee

If you book your trip through Capital One Travel and then find a better price on another site within 24 hours, let us know and you’ll get a travel credit for the difference.

Eligibility

Recommended Minimum Credit

Min: Poor

Poor

Fair

Good

Excellent

Poor credit or higher is recommended for this card.

Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.

Pricing