Discover it Chrome Card for College Students

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intro purchase APR 0% for 6 months	regular APR13.49 - 22.49% (V)
intro BT APR 10.99% for 6 months	3% BT fee
rewards 1%-2%

• 2% cash back on restaurants and gas up to $1000 in combined purchases per quarter
• 1% regular cash back

 

 

fair credit / no credit required

Terms and Conditions

Editors Review

The student's version of a popular Discover it card.

Pros

• No annual fee
• 2% cash back on gas and dining out with a quarterly cap of $1000 combined purchases
• 1% cash back on all other purchases
• 0% intro APR in the first six month of the account
• Relatively low APR of 13.49-22.49% then
• No penalty APR
• First late payment forgiveness
• FICO credit score available for free online and in your statements – a very useful feature for young people with no credit to help them in getting a good understanding how credit works

Cons

• Discover cards are not widely accepted outside of the U.S. If you plan to travel it is better to have another card for that.

Verdict

A good option for college students to start building a credit history. No annual fee and good rewards rate make Discover it a good card in line with other student cards. Some examples are Citi ThankYou Preferred card for college students with sign-up bonus, no annual fee, and 2x points rate, or Journey Student Rewards from Capital One with 1.25% rewards rate.

The main issue with Discover is that it is not the base card for out of the country travel – merchants abroad do not always accept Discover.