Discover It Student Chrome Credit Card

The Discover it Student Chrome is a no-annual-fee student credit card tailored for college students who want a simple, predictable rewards structure while building credit. It earns 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter (then 1%), plus 1% on all other purchases, making it a practical choice for students with regular commuting costs or dining expenses. While the $1,000 quarterly cap on the 2% category and standard 1% base rate limit rewards for higher spenders, the Discover it Student Chrome card works best for undergraduates seeking straightforward cash back without tracking rotating categories. For students new to credit who value ease of use, no annual fee, and steady rewards on everyday spending, this card offers a manageable way to establish responsible credit habits during college.

Issuer

Discover, originating as a Sears subsidiary in 1985, transitioned to an independent entity in 1993, briefly merging with Morgan Stanley in 1997 before becoming an independent company again in 2006 and being acquired by Capital One in 2025. Pioneering technology, Discover introduced online applications, bill pay, and rewards in 1995, later venturing into mobile payments in 2010. Operating the world's 3rd largest payment network, Discover has a diverse product range, offering credit cards, checking and savings accounts, CDs, personal, student, and mortgage loans. Targeting younger customers, particularly college students with minimal credit history, Discover is recognized for financial stability, boasting approximately $148 billion in assets and $18 billion in annual revenue in 2024. Committed to innovation, Discover has invested in technology throughout its history. Emphasizing corporate social responsibility, the company aims for a more equitable and sustainable world, pledging to cut greenhouse gas emissions by 50% by 2030. Engaging in various partnerships, including UnionPay, JCB, BCcard, PayPal, and sports sponsorships like the Orange Bowl and the NHL, Discover provides accessibility through a vast network of ATMs, totaling over 415,000 nationwide. Guided by values like doing the right thing, innovation, and collaboration, Discover, an equal housing lender, prioritizes regulatory compliance as an FDIC member.

Spending Multipliers

Credits & Features