Discover It® Student Chrome
Discover and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Discover. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The Discover It® Student Chrome from Discover earns up to 2% effective value on dining in Madeen's catalog snapshot. It has no annual fee.
- Top category
- Dining
- Effective value
- 2%
- Annual fee
- $0
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 2% back.
What does the Discover It Student Chrome earn in each category?
Dining is the strongest category at 2% effective value (2% back). That dining rate ranks higher than about 59% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Discover It Student Chrome compares across dining, grocery, gas, travel, and other spend. Catalog spend signals highlight coffee at 2x among the top.
Dining is the strongest category at 2% effective value (2% back). That dining rate ranks higher than about 59% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Discover It Student Chrome compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 2% back | 2% Top category |
| Grocery Supermarkets and grocery stores | 1% back | 1% |
| Gas Gas stations and fuel | 2% back | 2% |
| Travel Flights, hotels, transit | 1% back | 1% |
| Other General everyday spend | 1% back | 1% |
Madeen values cash back at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the Discover It Student Chrome reward caps and conditions?
The Discover It Student Chrome has 1 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates.
- Earn 2% Cashback Bonus® at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Capped at $1000 per quarter.
Who should get the Discover It Student Chrome?
The Discover It Student Chrome fits spenders who put meaningful volume in dining and can earn 2% back. Best for spenders who put meaningful volume in dining and can earn 2% back.
Discover It Student Chrome fits spenders who put meaningful volume in dining and can earn 2% back. Madeen ranks its dining effective rate higher than about 59% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 2% back.
Compare it against simpler no-fee cards if you want minimum complexity.
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying.
Pros
- Strongest Madeen category is dining at about 2% effective (2% back).
- No annual fee in our catalog snapshot.
- No foreign transaction fee listed.
Cons
- Compare simpler no-fee cards if you want minimum complexity.
Does the Discover It Student Chrome have an annual fee?
The Discover It Student Chrome has an annual fee of $0 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- None
What benefits come with the Discover It Student Chrome?
The Discover It Student Chrome includes 2% Cash Back, FICO® Credit Score, Unlimited Cashback Match in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
2% Cash Back
$6,000/yrEarn 2% Cashback Bonus® at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus, earn unlimited 1% cash back on all other purchases.
Unlimited Cashback Match
$200/yrGet an unlimited dollar-for-dollar match of all the cash back you earn at the end of your first year, automatically. There is no limit to how much we'll match. So you could turn $50 cash back into $100. Or $100 into $200.
FICO® Credit Score
$25/yrDiscover gives cardmembers a FICO ® Credit score for free on monthly statements, mobile and online.
Related encyclopedia topics
Common questions about the Discover It Student Chrome
Where do cardholders spend most with the Discover It Student Chrome?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on coffee (2x), fast food (2x), other food and drink (2x) for the Discover It Student Chrome. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.
Does the Discover It Student Chrome have an annual fee?
The Discover It Student Chrome carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Discover It Student Chrome?
Dining is the strongest Madeen category for the Discover It Student Chrome at about 2% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Discover It Student Chrome charge foreign transaction fees?
The Discover It Student Chrome does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
What credit score do you need for the Discover It Student Chrome?
Madeen's catalog lists a typical credit range of Fair for the Discover It Student Chrome. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How do you redeem rewards on the Discover It Student Chrome?
Rewards on the Discover It Student Chrome post as cash back. Redemption value depends on how you use cash back (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations.
How does the Discover It Student Chrome compare to similar cards?
Compare the Discover It Student Chrome against Discover it Cash Back (5% on Dining, $0 fee); Discover It Student Cash Back (5% on Dining, $0 fee); NHL Discover It (5% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Discover It Student Chrome This card | Dining | 2% | $0 |
Discover | Dining | 5% | $0 |
Discover | Dining | 5% | $0 |
Discover | Dining | 5% | $0 |
| Dining | 2% | $0 |
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for dining spend to see which cards win at checkout.
Related Madeen guides
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Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.
Discover and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Discover. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure