Not credit advice. Facts and math from issuer pages and the CFPB, each with its date. Offers change; approval depends on your credit. Verify on the issuer's site.
Our score: Discover it Student Chrome is ahead by 16.0 points. Scores: Chase Freedom Rise 50.4%, Discover it Student Chrome 66.4%.
At a sample $1,920/month (groceries $500, dining $300, gas $150, travel $150, online $200, other $400 …): Chase Freedom Rise nets $346/yr, Discover it Student Chrome nets $284/yr after annual fees. Use your own numbers →
Penalty APRup to 29.99% Chase's CFPB-filed agreements list a penalty APR of 'up to 29.99%'; agreements are not labeled by product, so this is issuer-level consumerfinance.gov, 2026-06-30
Late feeup to $41 up to; $0.00 for first occurrence; $30.00 if not charged a late fee within last six billing cycles; $41.00 otherwise files.consumerfinance.gov, 2025-12-31
⚠ Late fee up to $41 · 2% gas + restaurants share $1,000/quarter combined (we cap each). First-year Cashback Match not counted.
No paid placement. No issuer pays VaultRubric for inclusion or rank; links go to the issuer's own page. Ranks come only from the published rubric below.
FAQ
Which is better, Chase Freedom Rise or Discover it Student Chrome?
On VaultRubric's rubric: Discover it Student Chrome scores higher. The better card for you depends on where you spend; the calculator shows net value for your spending.
Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.