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Discover it Student Chrome: terms, score and downsides

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 score 66.4% across 78 cards. Issuer page ↗

Downsides first

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

Terms & fees

• IssuerDiscover (Capital One)
• Typestudent
• Annual fee$0 discover.com, 2026-10-12
• Regular purchase APR16.74%–25.74% variable discover.com, 2026-10-12
• Rewards1% base; 2% gas (to $4,000/yr); 2% dining (to $4,000/yr) discover.com, 2026-10-12
• Sign-up bonus (≈$)$0 First-year Cashback Match (not counted) discover.com, 2026-10-12
• Intro APR6 months 0% intro APR for 6 months on purchases discover.com, 2026-10-12
• Foreign transaction feenone files.consumerfinance.gov, 2025-12-31
• Penalty APRnone Discover agreement table: 'Penalty APR None' files.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
• Balance transfer fee3% files.consumerfinance.gov, 2025-12-31
• Cash advance fee5% files.consumerfinance.gov, 2025-12-31
• Credit neededno credit score, 620–719, 720+ (CFPB TCCP targeted tiers) files.consumerfinance.gov, 2025-12-31
• Grace period25 days files.consumerfinance.gov, 2025-12-31
• Cash advance APR29.24% files.consumerfinance.gov, 2025-12-31
• CFPB survey APR (2025-12-31)16.74%–27.24% files.consumerfinance.gov, 2025-12-31 older; issuer figure above is newer

Complaint record (CFPB)

• Complaints, last 12 months3,371
• Trend▼ 61.5% (last 12 mo 3,371 vs prior 12 mo 8,752)
• Timely response (last 36 mo)100.0%
• Top issueIncorrect information on your report
• Insurance statusFDIC record for Discover Bank: not found

Company-level (DISCOVER BANK), all products, as of 2026-10-12. Discover complaints: full record → Shown for context; does not change the score.

Score breakdown

• Annual fee 10.0/10Annual fee $0 (as of 2026-10-12). Rubric: $0=10, ≤$95=8, ≤$395=5, ≤$695=3, more=1 (perks/credits are not counted).
• Rewards rate 4.5/10Base 1% on everything, top category 2% (as of 2026-10-12; points/miles valued at 1¢). Score = base/2%×7 + min(top,6)/6%×3. 1% base; 2% gas (to $4,000/yr); 2% dining (to $4,000/yr)
• Sign-up bonus 0.0/10Bonus ≈ $0: First-year Cashback Match (not counted) (as of 2026-10-12). Score = value/$75, max 10.
• Intro 0% APR 2.9/100% intro APR for 6 months on purchases (as of 2026-10-12). Score = months/21×10.
• Regular APR 9.1/1016.74%–25.74% variable (as of 2026-10-12); midpoint 21.24%. Score = (34 − midpoint)/1.4, 0–10.
• Foreign transaction fee 10.0/10No foreign transaction fee (as of 2025-12-31).
• Regulatory record (CFPB) 10.0/10Issuer Discover (Capital One): Base 10, no actions in last 5 yrs found. Note: CFPB Discover student-loan consent order dated Dec 2020 (outside 5-year window); Capital One parent: see Capital One

0.143×10.0 + 0.143×4.5 + 0.143×0.0 + 0.143×2.9 + 0.143×9.1 + 0.143×10.0 + 0.143×10.0 = 6.64 → 66.4%

Is Discover it Student Chrome worth it? (break-even math) →Value for my spending →

Compare with

Discover it Student Chrome vs Capital One Quicksilver Student · Discover it Student Chrome vs Discover it Student Cash Back · Discover it Student Chrome vs Chase Freedom Rise · Discover it Student Chrome vs Capital One Savor for Students

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

What is the Discover it Student Chrome annual fee?

$0

What is the Discover it Student Chrome APR?

16.74%–25.74% variable

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.