Credit Cards » Credit Card Reviews » Discover It Student Chrome Card Review 2021
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Discover It Student Chrome Card Review 2021

The Chrome card provides student customers with top-notch banking benefits like competitive rates, match bonuses and up to 2% cashback.

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Table of Contents

  Discover It Student Chrome is a quality product of Discover bank. It provides student customers with top-notch banking benefits like competitive rates, match bonuses and cashback. 

New customers have their first six months free of APRs and a one-year match bonus on all the rewards. Discover Student Chrome is an ideal choice for students because it ranks as one of the top favourites student credit cards due to its numerous benefits and convenience qualities. Here are some of the advantages associated with this product.

  Customers enjoy a 2% cashback at cafés and fast food deliveries up to a thousand dollars and a 1% cash back on groceries and school materials. There is a zero percent APR for the first six months after signing-up, followed by the standard rate of 12.99% to 21.99%. Balance transfers attract a 10.99% APR for the first six months, followed by the standard rate, while cash advances have a 24.99% rate.  

Discover It Student Chrome Card

On Discover Secure Website

Rewards Plan

Up to 2% cashback

Sign up Bonus

Match Bonus for the first 12 months

0% Intro

6 months




12.99% - 21.99%

Annual Fee


Balance Transfer Fee


Credit Requirements

No Credit – Fair

The platform has a ‘good grade reward’ program where students with a 3.0 cgpa and above enjoy a $20 statement credit for up to five years. There is also a $50 statement credit for each referred customer. The platform has the edge over its contemporaries with no annual fees, and there are no charges for overseas transactions. The site also has a mobile application that lets you transact on-the-go. The downloadable software is available on the Apple store for iPhone users and on the google play store for Android devices. 

  A significant drawback is the late payment fees. The bank does not charge for the first late payment then follows it up with a 40 dollar fee for subsequent delayed payments. 

Card & Issuer Reputation

  • 4.2/5  on WalletHub customer reviews (+1,300 reviews): WalletHub customer reviews allow customers to post positive, negative, or neutral reviews about marketplace experiences.
  • 4.8/5 on Official Card Website customers reviews ( +1,000 reviews): Customers can express their opinion on the official card website. It reflects the overall measurement of reviewer satisfaction, represented numerically from 1 to 5.
  • 837/1000 on J.D Power: Discover got 837 out of 1000 available points, ranks 2nd on J.D. Power credit card satisfaction survey , higher than industry average. J.D Power offers the most comprehensive and independent study of customer satisfaction of card issuers . The study aims to help consumers and issuers to understand user opinions and ratings of the largest bands. It covers terms, benefits, services, communication, rewards and more.

J.D. Power U.S. Credit Card Satisfaction Study 2020

In order to avoid bias based on a small number of reviews, we present only ratings with at least 200 reviews.


Let’s take a look at the advantages of this card and see if it’s the right one for your wallet or not.

Customers are liable to claim a 2% cashback at cafés or restaurants and for fast food delivery purchases up to a thousand dollars. There is also a 1% cash back on groceries and school necessaries. This offer serves as a discount on all necessary purchases while on campus and may encourage their saving attitude. This cashback may be redeemed as statement credits or deposited into your bank account. You may also claim it as gift cards or use them for charity donations.

There is a ‘good grade reward’ program for students with a 3.0 cgpa and more to enjoy a $20 statement credit for up to five years. This offer promotes a positive attitude towards schooling and can be enjoyed throughout the school program. Students can bring their friends into the platform and be rewarded – there is a $50 statement credit for each referred customer. 

A software that is optimized to run smoothly on android and ios devices for convenient banking within your home’s comfort. The mobile app is a suitable medium for students to manage their accounts effectively. 

First-time customers enjoy a 0% APR on all initial purchases for up to six months. This offer will benefit students that have incurred schooling debts before resumption. For example, many students have to take out student loans due to the high cost of colleges and universities. The first six months of using their discover student chrome card will be free of debts and may loosen their necks' financial strain. A zero percent APR will benefit customers who have to make large purchases up to $1000.  

Competitive rates include a zero percent APR for the first six months after signing-up, followed by a fixed rate of 12.99% to 21.99%. Balance transfer rates are 10.99% APR for the first six months, after the standard rate. Cash advances attract a 24.99% APR. 

There are no charges for transactions with foreign institutions on your Discover It Student Chrome credit card. 


After considering all the numerous benefits associated with the Discover Student Chrome credit card, we should also look at some of the drawbacks. 

The bank waives the charge on the first late payment then follows it up with a 40 dollar fee for subsequent late payments. Some credit card companies have lower costs for delayed payments.

Your Discover It Student Chrome card may not be recognized outside the United States. It functions mainly within the American borders.

Application Process

Go to the website page for Discover it Student Chrome Application and click on the “Apply now” button. 

You will have to pick from a vast selection of card designs for your order. Scroll down to see the designs.

Scroll down some more to fill in your personal and schooling information: name, address, phone number, e-mail, date of birth, social security number (SSN), citizenship, year in college, graduating year, gross income, rent and bank accounts. Click on the “Next” button after filling in your details.

You will have to read the terms and conditions, consisting of the interest rates and charges on all transactions. 

Scroll down to tick the two boxes showing that you accept the agreement terms, then click “Submit.”

The additional acknowledgments emphasize your decision for Capital One to have your personal and financial information and your full agreement to the terms and conditions. Here is your chance to go back or move on to the final stage. Click “Submit Application” to agree.

Please be patient. You will be requested to wait for a minute or less – please keep the site open while waiting. Once the sixty seconds countdown is over, you will be given a phone number and a reference number. Follow the instructions and place a call to complete your order. 

Is the Discover It Student Chrome Card Right for You?

   The Discover It Chrome Student credit card is suitable for customers who require a credit card specializing in promoting financial support to higher institutions. This card is relevant to people up to 18 years of age and residents in the United States. Customers must have social security numbers and be enrolled in tertiary institutions within the country.

If you can meet these requirements and provide all the necessary details during the application, you are guaranteed high-quality offers like rewards, cashback and match bonuses.

This product is right for those with low credit scores as there is no specific requirement

Credit Card Reviews Methodology

In order to determine the best possible credit cards, we look at things like fees, interest rates and rewards. We do this with companies that are associated with us as partners as well as other offerings. From there, we make a decision about what the best card is related to different categories and needs. We focus on interest rate cost & fees, especially the cost of carrying a balance, rewards – cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely usability – cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting. We also consider customer reviews.

We look at cards related to good or excellent credit ratings that will then provide a range of different benefits and improvements for someone who has these scores. We also look at low fees when it comes to those who have lower credit scores.