Discover it® Student Chrome
- Annual Fee
- $0
- Highest rate (conditional)
- Up to 5% (Capital One Entertainment)
Terms checked against the issuer on October 10, 2026
At a Glance
- Annual Fee
- $0
- Foreign Transaction Fee
- $0
- Network
- —
- Rewards Currency
- Cash
- Point Valuation
- 1¢ (cash back)
- Credit Required
- Fair to Good
Earning Rates
- 5%
Capital One Entertainment
5% cash back on tickets bought on the Capital One Entertainment ticketing platform with this card; excludes cardholder-exclusive pre-sales, Capital One Hall/Arena direct ticketing and Capital One Dining
- 5%
Hotels Capital One
5% cash back on hotels and vacation rentals booked through Capital One Travel; purchases outside Capital One Travel earn the standard rate
- 5%
Car Rentals Capital One
5% cash back on rental cars booked through Capital One Travel; purchases outside Capital One Travel earn the standard rate
- 2%
Gas Stations
2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, then 1%
Cap: $1,000/quarterly
- 2%
Dining
Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically.
Cap: $1,000/quarterly
- 1%
All Other
Unlimited 1% cash back on all other purchases
Benefits & Perks
Insurance & Protections
3 protectionsFree FICO Score through CreditWise
Check your FICO Score 8 for free through CreditWise; checking it does not hurt your credit.
$0 fraud liability on unauthorized purchases
Never responsible for unauthorized purchases. Discover monitors every transaction and alerts you of suspicious activity.
Instant account freeze and unfreeze
Freeze your account instantly to block new purchases if your card is lost. Unfreeze just as quickly when found.
Dining Out
2% cash back at restaurants
On up to $1,000 a quarter in dining, then the base rate
$2 back on a $100 dinner
No annual fee
Explore 5,512 New York restaurants with this cardStack a dining program
Rakuten Dining
5% back at 20,618 participating restaurants, on top of this card's 2%, once you join and link this card.
+$5
cash back, or ≈$5.50 as points
More on a $100 dinner
Details & Terms
Payment Terms
| Purchase APR | 16.74%–25.74% (Variable) |
| Cash Advance APR | 28.74% (Variable) |
| Foreign Transaction Fee | $0 |
Card Family
Discover family
| Card | Tier | Annual Fee | Note |
|---|---|---|---|
| Discover It Cashback | entry | $0 | |
| Discover It Student Cashback | entry | $0 | |
| Discover It Chrome | entry | $0 | |
| Discover It Secured | entry | $0 |
Product changes available between family members without a new credit inquiry.
Reviews & Analysis
Pros and Cons
Pros
- +No annual fee for students
- +2% cash back at gas stations and restaurants (up to $1,000/quarter)
- +First-year cash back match doubles all rewards
- +No foreign transaction fees
- +Free FICO score tracking
- +No co-signer required
Cons
- -$1,000 quarterly cap on 2% categories
- -Lower earning rate than rotating 5% category cards
- -Discover network less accepted than Visa/Mastercard
- -No welcome bonus beyond cash back match
- -Limited to students only
Who It's Best For
Best For
- Students who frequently fill up at gas stations
- College students who spend on dining and restaurants
- First-time credit card users building credit history
Not Ideal For
- Students with high spending over $1,000/quarter on gas and restaurants
- Those seeking travel rewards or points
- Students who prefer rotating 5% categories instead
- International students due to limited Discover acceptance abroad
Media & Resources
Card Design
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| Discover Official | — | Discover Official |
| RewardsCC API | — | RewardsCC API |
| Issuer Page | Issuer Page: Earn rates | |
| Issuer Page | Issuer Page | |
| Issuer Page | Issuer Page: Apr | |
| Issuer Page | Issuer Page | |
| Discover Official | Discover Official |
Top brands for this card
Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.
