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Discover it Student Chrome vs Discover it Student Cash Back

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.

Rubric: too close to call (under 3 pts). Scores: Discover it Student Chrome 66.4%, Discover it Student Cash Back 68.6%.

At a sample $1,920/month (groceries $500, dining $300, gas $150, travel $150, online $200, other $400 …): Discover it Student Chrome nets $284/yr, Discover it Student Cash Back nets $230/yr after annual fees. Use your own numbers →

Criterion scores (0–10)

• Annual feeChrome: 10.0 · Back: 10.0
• Rewards rateChrome: 4.5 · Back: 6.0
• Sign-up bonusChrome: 0.0 · Back: n/a
• Intro 0% APRChrome: 2.9 · Back: 2.9
• Regular APRChrome: 9.1 · Back: 9.1
• Foreign transaction feeChrome: 10.0 · Back: 10.0
• Regulatory record (CFPB)Chrome: 10.0 · Back: 10.0

Downsides

• Discover it Student Chrome66.4%
  Discover (Capital One) · student
  Annual fee $0APR 16.74%–25.74% variableRewards 1% base; 2% gas (to $4,000/yr); 2% dining (to $4,000/yr)Credit no credit score, 620–719, 720+ (CFPB TCCP targeted tiers)

  ⚠ Late fee up to $41 · 2% gas + restaurants share $1,000/quarter combined (we cap each). First-year Cashback Match not counted.

• Discover it Student Cash Back68.6%
  Discover (Capital One) · student
  Annual fee $0APR 16.74%–25.74% variableRewards 5% rotating quarterly categories (activation, quarterly max); 1% other; first-year Cashback MatchCredit No credit score required to apply

  ⚠ Late fee up to $41 · Rotating 5% quarterly categories need activation and change each quarter; not modeled (we count the 1% base).

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, Discover it Student Chrome or Discover it Student Cash Back?

On VaultRubric's rubric: too close to call. 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.