Discover it® Student Chrome Review: Benefits | MaxRewards

Discover it® Student Chrome

The Discover it® Student Chrome is built for students who want a simple first credit card and do not need premium perks or complex rewards categories. It works best as a starter card for small everyday spending while you build credit, not as a long-term rewards card for heavy use.

Annual Fee

Rec. Credit Score

Rebuilding

Good For

Student credit building

How to Apply

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

Is the Discover it® Student Chrome worth it?

This card is great for...

First credit card

Everyday student spending

Building credit history

Yes, if your main goal is getting a student card with no annual fee and using it responsibly to build credit. The straightforward cash back structure is easy to manage, and that simplicity can be a plus for a first card.

It is less compelling if you are focused on earning strong rewards or getting meaningful card benefits. With 1% back on everyday purchases and no listed perks, this card makes the most sense for students who want a low-pressure way to start building a credit history and can pay in full each month.

MaxRewards Verdict

A solid fit for students who want a simple, no-annual-fee card to begin building credit. Its main limitation is that rewards and benefits are minimal, so long-term value is modest once you qualify for stronger cards.

Rewards

This card keeps rewards very simple: cash back on purchases without rotating categories or complicated redemption math. Think of it as a basic earnings setup that supports credit building first, with rewards as a small extra.

CategoryEst. yearly spendRateRewards

Dining

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

Est. yearly spend

Rate2%

Rewards

Everywhere

Est. yearly spend

Rate1%

Rewards

Est. Annual Rewards

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.

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.