DiscoverDiscover it Student Chrome
Set-and-forget 2% on gas and dining for students who will not chase categories.
Welcome Bonus
None
No traditional bonus: Cashback Match doubles all year-one cash back
Spend Requirement
None
Annual Fee
$0
No FTF
Credit Score
Limited
or no credit (students)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Last verified 2026-06-10 · spot an outdated offer? Tell us in the comments.
Earning Rates
- 2xGas stations and restaurants ($1,000 quarterly cap)
- 1xEverything else
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦Cashback Match doubles all cash back earned in year one
- ✦Automatic 2% on gas and restaurants, no activation needed
- ✦No annual fee, no FTF, and no penalty APR
- ✦First late payment fee waived
- ✦Reports to all three credit bureaus
Why it earns its spot
- +Zero maintenance: the 2% categories never change
- +Year one effectively pays 4% on gas and dining via Cashback Match
- +Same forgiving student fee structure as the Cash Back version
Where it costs you
- −$1,000 quarterly cap on the 2% rate
- −The Student Cash Back out-earns it for anyone willing to activate categories
- −Discover acceptance abroad is weak
The Compound Verdict
The lazy sibling of the Student Cash Back, and that is a feature. Gas and restaurants are exactly where students spend, and the 2% comes automatically with no quarterly homework. If you know you will never activate rotating categories, take the Chrome and stop thinking about it.
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