Discover it Chrome for Students

Best Credit Card for Students With Good Grades

Apply Now
On the secure website

Why People Love it

  • Friendly, helpful customer service reps
  • Great starter card
  • Easily attainable rewards


Application Process: Fill out a short form online to find out if you qualify. If you need help during the application process, you can click the Live Chat button when available or contact customer service at 1-800-983-1307. The company advertises that it only hires U.S. workers for its customer service team.

Rewards: Discover it Chrome for Students showers cardholders with generous rewards, including 2% cash back at qualifying restaurants and gas stations (up to $1,000 each quarter!) and 1% cash back on other qualifying purchases. Don’t let our formal terms about “qualifying purchases” scare you - nearly every purchase qualifies unless you’re charging cash advances or paying for illegal goods. You've got to love that when it comes with one of the best credit cards for college students.

After 12 billing cycles, Discover it Chrome for Students matches the amount of cash back that you’ve earned throughout the year. Who doesn’t love free money?

Bonus Offers:  There’s no sign-on bonus or a “Do this for your first few months and we’ll hook you up” offer from this card, but it has an impressive perk for good students that stands out among other college credit cards. If you maintain a 3.0 GPA or higher, you earn a $20 bonus each year. You can snag this bonus annually for up to 5 years.

APR: Your introductory interest rate is 0% for the first 6 months - woo hoo! After that, expect to pay a Standard Variable Purchase APR between 13.99% and 22.99%. Keep in mind that your APR for cash advances might be higher.

Annual Fee: Our favorite price to pay: zero dollars and zero cents!

  • Variable APR
    14.24% to 23.24%
  • Cash Advance APR
  • Bonus Offers
  • Rewards Rate
    1% to 2% cash back for qualifying purchases
  • Annual Fee
  • Intro APR
    0% purchase APR for 6 months on purchases; 10.99% balance transfer APR

No fee for your first late payment (but please try to pay on time anyway so you don’t lower your credit score). Initial credit line is usually at least $500, even for students who have never had a credit card.

We couldn’t find many cons from actual cardholders, but a few complain the interest rate is too high. However, the APR is actually lower than numerous other student credit cards we’ve researched.

Featured in

Faveable Giveaway

$100 Amazon Gift Card

Amazon Gift Card

Join the conversation: Discover it Chrome for Students

Awesome Rankings

Get the highest ranked products delivered to your inbox weekly from the most respected research team on the Internet.