Discover It® Student Chrome

Build a credit history3 while you earn rewards

No annual fee. No credit score required to apply*

★★★★★
★★★★★
x / 5 Average of x Reviews8

see how we calculate our ratings

Discover it® Student Chrome Credit Card
★★★★★
★★★★★
x / 5 Average of x Reviews8

see how we calculate our ratings

Gas and restaurant rewards for students

Low intro APR

x% Intro APR for x months on purchases. Then x% - x% Standard Variable Purchase APR will apply.

Discover it® Student Cash Back Card French bulldog design
Discover Credit Card Designs

Which design fits your style?

Discover gives you a choice of several unique card designs when you apply to become a cardmember.

Discover it® Student Chrome Credit Card FAQs

  • Making all your payments on time is a great start to responsible credit use.
  • Also, be sure to pay at least your minimum amount due each month.
  • And avoid paying interest on purchases by paying your balance in full by the due date each month.

No, but when applying you will need to report some type of income. Your income is one of many factors that Discover considers when considering your application for a Discover it Student Chrome Credit Card. If approved, your amount of income can also influence your credit limit. On your application, you will be asked to provide the income you earn or can reasonably expect to earn.

 

Students sometimes use income from a part-time job to qualify for student credit cards.

If you use your Discover it® Student Chrome card responsibly,3 it can be a helpful part of your strategy to build a credit history. Discover reports your credit history to all three major credit bureaus, so your use of the card will appear on your credit report and contribute to your credit score.

Discover it® Student Chrome does not charge an annual fee to keep the account open.

Yes, Discover Student Chrome reports card activity to all three major credit bureaus. By using your card responsibly, you’ll be able to build credit. 3

Discover offers email and text alerts that you’ll be able to activate to stay informed of when your:

  • Statement is available.
  • Minimum payment is due
  • Payment is posted     
  • Card is declined.
  •  Merchant refund is posted.
  •  Balance transfer is posted.

Sign up here.

Yes, you can continue using your Discover Student Chrome Card after you graduate. When you graduate, we encourage current student card members to call us to update their personal information such as income, housing, e-mail and address. This may make you eligible for credit line increases.

  • Be at least 18 years old
  • Have a U.S. Address
  • Have a Social Security Number
  • Provide all required application information
  • Show proof of school enrollment

Many credit cards offer rewards that you earn as a percent of your purchases. Some cards offer miles or points, but some people may prefer earning cash back rewards. With Discover, you can redeem rewards for cash in any amount, any time*, apply it as a credit toward your bill, deposit to your bank and more.

*We will credit your account with your cash back bonus balance if your account is closed or has not been used in 18 months. See rewards terms and conditions.

Earn cash back rewards while building your credit history3

Interested in this student card for restaurants and gas rewards? There's no harm to your credit score to see if you're pre-approved.10

woman standing outside smiles as she looks down at her mobile phone

Over 600,000 new student cardmembers referred by their friends over the past 5 years

Refer a friend and get a statement credit for each friend who becomes a cardmember.7

Inward Curve

Manage your account anywhere

You can use the Discover mobile app to set alerts, viewing your Credit Scorecard will never impact your FICO® Score4 and more, all from your smartphone, tablet or wearable.

 

Online Privacy Protection: We’ll help you regularly remove your personal info from select people-search websites that could sell your data. It’s free, activate with the Discover app.9

 

Track and redeem cashback rewards

 

Easily message us for customer service right from our app

 

Free Social Security number alerts: Get an alert if we find your Social Security number on any of thousands of Dark Web sites. 5 Activate for free.

 

Freeze it® - If you misplace your card, you can prevent new purchases, cash advances, and balance transfers in seconds with the Freeze it® on/off switch on our mobile app and website.6

mobile phone displaying Discover app

Learn more about student credit cards

See how the Discover it® Chrome for Students Card has your back.

*Based on the preceding 12 months of Discover Student credit card application data, applicants without a credit score may qualify. You must meet other applicable underwriting criteria. When we evaluate your creditworthiness, we consider all the information you provide on your application, your credit report, and other information. If you have a credit score, we may use that in our evaluation.

 

††You earn a full 2% Cashback Bonus® on your first $1000 in combined purchases at Gas Stations (stand-alone), and Restaurants each calendar quarter. Calendar quarters begin January 1, April 1, July 1, and October 1. Purchases at Gas Stations and Restaurants over the quarterly cap, and all other purchases, earn 1% cash back. Gas Station purchases include those made at merchants classified as places that sell automotive gasoline that can be bought at the pump or inside the station, and some public electric vehicle charging stations. Gas Stations affiliated with supermarkets, supercenters, and wholesale clubs may not be eligible. Restaurant purchases include those made at merchants classified as full-service restaurants, cafes, cafeterias, fast-food locations, and restaurant delivery services. Purchases must be made with merchants in the U.S. To qualify for 2%, the purchase transaction date must be before or on the last day of the offer or promotion. For online purchases, the transaction date from the merchant may be the date when the item ships. Rewards are added to your account within two billing periods. Even if a purchase appears to fit in a 2% category, the merchant may not have a merchant category code (MCC) in that category. Merchants and payment processors are assigned an MCC based on their typical products and services. Discover Card does not assign MCCs to merchants. Certain third-party payment accounts and digital wallet transactions may not earn 2% if the technology does not provide sufficient transaction details or a qualifying MCC. Learn more at Discover.com/digitalwallets. See Cashback Bonus Program Terms and Conditions for more information.

  1. Cashback Match: Only from Discover as of December 2023. We'll match all the cash back rewards you've earned on your credit card from the day your new account is approved through your first 12 consecutive billing periods or 365 days, whichever is longer, and add it to your rewards account within two billing periods. You've earned cash back rewards only when they're processed, which may be after the transaction date. We will not match: rewards that are processed after your match period ends; statement credits; rewards transfers from Discover checking or other deposit accounts; or rewards for accounts that are closed. This promotional offer may not be available in the future and is exclusively for new cardmembers. No purchase minimums.

  2. Acceptance: According to the Feb 2023 issue of the Nilson Report.

  3. Build credit with responsible use: Discover reports your credit history to the three major credit bureaus so it can help build your credit if used responsibly. Late payments, delinquencies or other derogatory activity with your credit card accounts and loans may adversely impact your ability to build credit.

  4. FICO® Credit Score Terms: Your FICO® Credit Score, key factors and other credit information are based on data from TransUnion® and may be different from other credit scores and other credit information provided by different bureaus. This information is intended for and only provided to Primary account holders who have an available score. See Discover.com/FICO about the availability of your score. Your score, key factors and other credit information are available on Discover.com and cardmembers are also provided a score on statements. Customers will see up to a year of recent scores online. Discover and other lenders may use different inputs, such as FICO® Credit Scores, other credit scores and more information in credit decisions. This benefit may change or end in the future. FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.


    If you prefer not to receive your FICO® Credit Score just call us at 1-800-DISCOVER (1-800-347-2683). Please give us two billing cycles to process your request.

  5. Discover® Identity Alerts (Alerts) are offered by Discover Bank at no cost, are available only online, and do not impact your credit score. The Alerts currently provide: (a) daily monitoring of your Experian® credit report and an alert when a new inquiry or account is listed on your report; (b) daily monitoring of thousands of Dark Web sites known for revealing personal information and an alert if your Social Security Number is found on such a website. Alerts are only provided to Primary cardmembers who agree to receive them online and whose accounts are open, in good standing, have a Social Security Number, and an email address on file. This benefit may change or end in the future. Discover Bank is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. To see a list of Frequently Asked Questions, visit discover.com/freealerts.

  6. Freeze it®: When you freeze your account, Discover will not authorize new purchases, cash advances or balance transfers (including checks). However, some activity will continue including charges from merchants where your card is stored or billed regularly, as well as returns, credits, dispute adjustments, delayed authorizations (such as some transit purchases), payments, Discover protection product fees, other account fees, interest, rewards redemptions and certain other exempted transactions.

  7. Refer-a-Friend: Refer-a-Friend eligible cardmembers will receive a statement credit referral reward if their friend applies online for the specific offer sent via the digital link provided and is approved by 11:59pm ET, December 31, 2024. Phone, mail-in, and other digital applications are not eligible for referral rewards. Maximum annual referral amount will be stated in individual referral offers upon login. You are not eligible to refer a friend if you have a Discover it® Secured Credit Card, or Discover it® Business Card. Your account must be open and in good standing to receive your referral reward. Each eligible friend who was referred will receive a statement credit after making a purchase within three months of opening a new Discover account. Existing Discover cardmembers and those who have opted out of receiving marketing communications from Discover are not eligible referrals. You will not be notified whether a specific referral was approved or declined. Please allow up to 1-2 billing periods for the statement credit to post to your account after each referral is approved. Statement credits you receive may be taxable to you. Please contact your tax advisor. Offer may not be combined with any other introductory offer.

  8. About product reviews: We calculate the average product rating based on ratings that customers submit. We exclude some reviews from being displayed for reasons such as the customer included profanity, reviewed the wrong product, submitted inappropriate or irrelevant content, or revealed personally identifying information. Reviews are not filtered, edited, or deleted simply because they are negative or are lower rated. If a review is excluded, the associated rating is not calculated in the average product rating.

  9. Online Privacy Protection: Online Privacy Protection is offered by Discover Bank at no cost and only available in the mobile app. About every 90 days we will scan at least 10 people-search sites for your online personal information and help you submit opt-out requests. Types of personal information found on these sites will vary.

  10. There is no hard inquiry to your credit report to check if you’re pre-approved. If you’re pre-approved, and you move forward with submitting an application for the credit card, it will result in a hard inquiry which may impact your credit score. Receiving a pre-approval offer does not guarantee approval. Applicants applying without a social security number are not eligible to receive pre-approval offers. Card applicants cannot be pre-approved for the NHL Discover Card.

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