Discover it Student Chrome Credit Card review

Discover it Student Chrome is the low-maintenance sibling of Discover it Student Cash Back. Instead of rotating categories, it pays 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, automatically, and 1% on everything else. Discover's terms count full-service restaurants, cafes, cafeterias, fast-food locations and restaurant delivery services, plus some public EV charging stations as gas. The same unlimited Cashback Match applies, so every dollar earned in the first year is matched. There is no annual fee, a 0% intro APR on purchases for 6 months and a 16.74% to 25.74% variable APR afterward, and no credit score is required to apply. The limits are real: the 2% rate stops after $1,000 a quarter, gas bought at supermarkets, supercenters and wholesale clubs may not qualify, and purchases must be made with U.S. merchants. For students who would forget to activate 5% categories, this card earns more in practice.

Who it is for

student drivers and students who eat out

Price

$0 annual fee.

Discover it Student Chrome does not charge an annual fee to keep the account open.
Quoted from the vendor pricing page on November 12, 2026.

Key features

• 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, automatically
• Unlimited 1% cash back on all other purchases
• Unlimited Cashback Match of all cash back earned in the first year
• 0% intro APR for 6 months on purchases, then 16.74% to 25.74% variable
• No credit score required to apply

Strengths and weaknesses

• Strength: 2% categories apply automatically with no quarterly activation
• Strength: Restaurant category includes fast food, cafes and restaurant delivery services
• Strength: Cashback Match makes the first year 4% on gas and dining
• Weakness: 2% is capped at $1,000 in combined gas and restaurant purchases per quarter
• Weakness: Gas stations at supermarkets, supercenters and wholesale clubs may not count
• Weakness: Only 1% on everything else

Key facts

• Annual fee: $0
• Rewards: 2% gas and restaurants up to $1,000 a quarter, 1% other
• First-year bonus: Unlimited Cashback Match
• Intro APR: 0% on purchases for 6 months
• Purchase APR after intro: 16.74% to 25.74% variable

Where it ranks

Discover it Student Chrome Credit Card is No. 5 in our Best Credit Cards For Students verdict.