Discover it Student Chrome Credit Card
Issued by Capital One (Capital One, N.A.) · Discover network · Unsecured consumer card
At a glance
The Discover it Student Chrome Credit Card is a student consumer credit card issued by Capital One on the Discover network. Its current annual fee is $0. It is accepting new applications. Terms were last independently verified on 2026-08-30.
Current rates and fees
From the issuer’s official pages and agreement. Each value shows its source, confidence, and last-verified date.
Interest
Rendered directly on the product page. Confirm your exact rate — it depends on creditworthiness — with the issuer.
Discover — official student card pageverified 2026-08-30
The page states a variable rate range; it does not spell out a Prime-plus-margin formula the way some other issuers' pages do.
Discover — official student card pageverified 2026-08-30
Fees
Stated directly and repeatedly on the product page ("No annual fee").
Discover — official student card pageverified 2026-08-30
Rewards
Discover — official student card pageverified 2026-08-30
Cashback Match is a new-cardmember promotional benefit; Discover states it may not be available in the future.
Discover — official student card pageverified 2026-08-30
Credit building
States Discover reports account information to all three major bureaus monthly. This is a general Discover-brand statement — the Student Chrome product page itself does not separately state a reporting policy.
Discover — "When Does Discover Report to Credit Bureaus?" (brand-wide policy article, not this product's own page)verified 2026-08-30
Benefits and protections
- No credit score required to apply. Discover states it may use a credit score if available, but does not require one to apply. source
- Unlimited first-year Cashback Match. Dollar-for-dollar match of all cash back earned in the first 365 days. Promotional; may not be available in the future. source
- $0 Fraud Liability. source
Advertiser Disclosure: Some links on this page may earn a commission.
Confirm before you apply
Rates, fees, offers, eligibility, and benefits change often. Confirm the final terms directly with the issuer’s official page or the CFPB card-agreement database before applying.
Modeled cost
True cost of this card
True-cost calculator
Illustrative math from this card’s APR. Nothing you enter is stored. This shows costs — it does not predict your rate or approval.
Cost of carrying a balance for a year
| Balance carried | Interest / month | Interest / year |
|---|---|---|
| $1,000 | $2.5 | $30 |
| $3,000 | $7.5 | $90 |
| $5,000 | $12.5 | $150 |
Paying only the minimum on $3,000
104 months
About $336.98 in interest (2% minimum, $25 floor).
$5,000 balance transfer (3% fee, 15-mo intro, $300/mo)
$152.64 total cost
$150 upfront fee, plus post-intro interest at 3%.
Simplified illustrations. Real interest depends on your exact APR, balance, timing, and payments. The clearest way to avoid all of this is to pay the statement balance in full.
Our independent analysis
Editorial rating
4.24.2 out of 5
How this score was calculated
| Dimension | Weight | Score |
|---|---|---|
| Accessibility for thin files | 30% | 4.5/5 |
| Fees | 25% | 4.5/5 |
| Rewards value | 20% | 3.5/5 |
| Reports to all three bureaus | 15% | 4/5 |
| Terms transparency | 10% | 4/5 |
Methodology 2026.07 · full methodology · No active partner relationship for this card as of 2026-08-24. If one begins, it cannot affect this card's score, category ranking, or buyer-beware tier — see /advertiser-disclosure for the full firewall policy.
A genuinely student-only card — Discover requires college enrollment and states no credit score is needed to apply. The 2% gas/restaurant categories are capped at $1,000 in combined quarterly spend and the first-year Cashback Match effectively doubles whatever you earn, but neither the foreign-transaction fee nor a card-specific bureau-reporting statement appears on the product page itself, so confirm both before relying on this abroad.
Advantages
- No credit score required to apply
- 2% at gas and restaurants plus first-year Cashback Match
- No annual fee
Watch for
- 2% categories cap at $1,000 combined per quarter, then drop to 1%
- Foreign-transaction fee is not stated on the product page — confirm before traveling
- Must be enrolled, or admitted to enroll, at a college or university
Best for: Enrolled students building their first credit history who spend at gas stations and restaurants.
Credit Defense Hub Editorial Team · reviewed 2026-08-30 · Pending named subject-matter review Editorial analysis is independent and separate from the issuer and from consumer reviews.
Extractable answers
Quick answers
- Who issues the Discover it Student Chrome Credit Card?
- It is issued by Capital One on the Discover network.
- What does the Discover it Student Chrome Credit Card cost?
- The annual fee is $0. Verified 2026-08-30. The purchase APR is variable and depends on creditworthiness — confirm the current range with the issuer.
- Is the Discover it Student Chrome Credit Card accepting new applications?
- Yes, as of our last verification. Availability can change — confirm on the issuer’s page.
- Does the Discover it Student Chrome Credit Card help build credit?
- It reports to all three (experian, equifax, transunion), per discover's general reporting policy, so on-time payments and low utilization can help build history. Building credit depends on your overall behavior, not one card.
- What should someone verify before applying?
- The current APR range, the annual and foreign-transaction fees, any welcome-offer terms, and whether the reward or benefit you want still applies — all directly on the issuer’s page or card agreement.
- What should you do if something goes wrong with this card?
- For a wrong charge, use the issuer’s billing-dispute process (FCBA). For inaccurate credit reporting, dispute with the bureaus (FCRA). If it is not resolved, you can complain to the CFPB and your state attorney general. See our card-problem guides.
Current-fact answers reflect terms verified 2026-08-30; confirm with the issuer before applying.
What consumers report
No verified consumer reviews yet
This card has no published consumer reviews yet, so we are not showing consumer averages or complaint statistics — we never display percentages from a sample too small to be meaningful, and we never seed fake reviews. Be the first to share a genuine experience below.
Share your experience
Rate the card, flag specific issues or positives, and tell your story. We never ask for card numbers, account numbers, or your SSN.
If your issue is about credit reporting or a dispute
When to talk to a professional
A consumer review is not a legal finding. If a card issuer reported inaccurate information, denied a valid fraud claim, or you were sued over a balance, those are situations where documenting the facts and — for lawsuits or unresolved FCRA/FDCPA problems — talking to a consumer attorney or legal aid can matter. You can also report issues to the CFPB.
See the issuer’s official page → for Discover it Student Chrome Credit Card
Educational information — not advice
This page provides general educational information about credit, debt, and consumer protections. It is not legal advice, financial advice, or credit repair services, and reading it does not create any professional relationship. Laws, procedures, deadlines, and dollar amounts vary by state and change over time.
For advice about your specific situation, consult a licensed attorney or qualified financial professional. See our full disclaimer.