Does the Discover it Student Chrome have an annual fee?

No. Our record lists a $0 annual fee for the Discover it Student Chrome.

What does the Discover it Student Chrome earn?

2% on Gas Stations and Restaurants, and 1% on other purchases. Some bonus rates are capped; see the rules and gotchas above.

Is the Discover it Student Chrome worth it in the first year?

Using our illustration ($12,000 of yearly spending, $3,000 of it in Gas Stations and Restaurants), the first year comes out around $150 before credits, including a welcome bonus valued at $0. Year two drops to about $150 before credits.

What credit do I need for the Discover it Student Chrome?

Our record lists "Fair to Good (Student)" credit as the typical target for the Discover it Student Chrome. It's built for students, so a limited credit history is expected. Discover makes the final decision based on its own criteria.

Discover it® Student Chrome

Discover

No Annual Fee

Annual Fee

discoverFair → Good (Student)cash-backno-annual-feestudent6 months ago

Welcome Offer

No Welcome Offer

Check issuer terms ↗

OpenCard analysis

Is the Discover it Student Chrome right for you?

The Discover it Student Chrome is a no-annual-fee student cash-back card from Discover. Its strongest everyday earning is 2% on Gas Stations and Restaurants, with 1% on most other purchases. With no fee, the question is simply whether 2% on Gas Stations and Restaurants beats what your current card earns there.

Who it's for

✓ Students starting a credit history
✓ People who spend steadily on Gas Stations and Restaurants, where it earns 2%
✓ Anyone who wants Gas Stations and Restaurants rewards without paying an annual fee

Who should skip it

— Heavy spenders outside Gas Stations and Restaurants — everything else earns 1%

First-year value estimate

Welcome bonus

Rewards on spending

$150

Annual fee (year 1)

−$0

Year 1, before credits

$150

Year two, without the welcome bonus: about $150 before credits ($150 in rewards minus the $0 fee).

Assumptions

$3,000 a year in Gas Stations and Restaurants (2%) and $9,000 on everything else (1%) — $12,000 total, about $1,000 a month.
Rewards valued at 1¢ per point or 1% cash back (cash-equivalent).
No welcome bonus is listed in our record, so none is counted.
No annual fee in any year.

An illustration, not a promise of value. Change the spending to match yours; rewards are not cash until redeemed. Card data reviewed 2026-04-16.

How it compares

Bank of America Customized Cash Rewards Credit Card for Students →

Bank of America, same $0 annual fee; earns 6% on Choice Category.

Discover it Student Cash Back →

Discover, same $0 annual fee; earns 5% on Rotating Categories (activate quarterly).

Bread Rewards American Express →

Bread Financial, same $0 annual fee; earns 3% on dining.

Compare side by side →

Rules and gotchas

Bonus cap on Gas Stations and Restaurants: 2% cash back at gas stations and restaurants (up to $1,000/quarter then 1%)

Frequently asked questions

Does the Discover it Student Chrome have an annual fee?: No. Our record lists a $0 annual fee for the Discover it Student Chrome.
What does the Discover it Student Chrome earn?: 2% on Gas Stations and Restaurants, and 1% on other purchases. Some bonus rates are capped; see the rules and gotchas above.
Is the Discover it Student Chrome worth it in the first year?: Using our illustration ($12,000 of yearly spending, $3,000 of it in Gas Stations and Restaurants), the first year comes out around $150 before credits, including a welcome bonus valued at $0. Year two drops to about $150 before credits.
What credit do I need for the Discover it Student Chrome?: Our record lists "Fair to Good (Student)" credit as the typical target for the Discover it Student Chrome. It's built for students, so a limited credit history is expected. Discover makes the final decision based on its own criteria.

Earning Rates

2×Gas Stations and Restaurants2% cash back at gas stations and restaurants (up to $1,000/quarter then 1%)

1×All Other Purchases1% unlimited cash back on all other purchases

Other Benefits

Free FICO score

Free access to your FICO credit score

Good Grade Reward

$20 statement credit each school year you maintain a 3.5 GPA or above

0% intro APR

0% intro APR for 6 months on purchases, then 16.49%-25.49% variable

Insurance

Rental InsuranceSecondary

Purchase Protection

Sources

Last Updated: Apr 16, 2026