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Discover it® Student Cash Back vs. Discover it® Chrome for Students

Two no-annual-fee student cards with cashback rewards.

Updated

Fact checked
These two student credit cards come with a $0 annual fee, a 0% intro APR period on purchases and cashback match to double all your cash back earned during your first year. Where they differ, though, is the cashback rate — the Discover it® Student Cash Back earns accelerated cash back on rotating categories each quarter, while the Discover it® Chrome for Students earns accelerated cash back on gas and dining throughout the year, but at a lower cashback rate.

All other perks and features are outlined in the table below.

Discover it® Student Cash Back

Discover it® Student Cash Back

Rates & Fees

Discover it® Chrome for Students

Discover it® Chrome for Students

Rates & Fees

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  • Cash back in rotating categories
  • Student card for dining and gas
Welcome offer
Welcome offer

Discover will match cash back at the end of your first card year

Discover will match cash back at the end of your first card year

Rewards
Rewards

5% back in rotating categories each activated quarter up to $1,500, then 1% after that and on all other purchases

2% back on gas and dining up to $1,000 combined each activated quarter, then 1% after that and on all other purchases

Purchase APR
Purchase APR

0% intro APR for 6 months, and then 12.99% to 21.99% variable

0% intro APR for 6 months, and then 12.99% to 21.99% variable

Annual fee
Annual fee $0 $0
Balance transfer APR
Balance transfer APR

10.99% intro APR for 6 months, then 12.99% to 21.99% variable

10.99% intro APR for 6 months, then 12.99% to 21.99% variable

Cash advance
Cash advance

APR: 24.99% variable

Fee: $10 or 5% of the transaction, whichever is greater

APR: 24.99% to 0% variable

Fee: $10 or 5% of the transaction, whichever is greater

Foreign transaction fee
Foreign transaction fee None None
Late payment fee
Late payment fee Up to $40 Up to $40
Additional cardholder fee
Additional cardholder fee $0
Interest-free period
Interest-free period 25 days 25 days
Minimum interest
Minimum interest $0.50 $0.50
Minimum credit score
Minimum credit score 580 580
Card type
Card type Credit Credit
Learn more
Learn more

Summary of card features

Discover it® Student Cash Back

Discover it® Student Cash Back

  • Good grades reward. Every school year you have a GPA of 3.0 or higher, you’ll get a $20 statement credit. This perk is good for up to five years.
  • Earn cash back. Earn 5% cash back on categories that rotate each quarter on up to $1,500. After reaching the cap, you earn 1% cash back, which is the same rewards rate you earn on all other purchases.
  • Cashback match. At the end of the first year, Discover will match the cash back you earned. This means if you earned $100 in cash back during your first year of card membership, Discover will automatically give you $100 more.

Discover it® Chrome for Students

Discover it® Chrome for Students

  • Earn 2% cash back on gas and dining on your first $1,000 in combined purchases each quarter
  • After that earn 1% in these categories and on all other purchases
  • No annual fee
  • Cashback Match

What’s the difference between Discover it® Student Cash Back and Discover it® Chrome for Students?

Discover it® Student Cash Back and Discover it® Chrome for Students are very similar. The biggest difference is the cash back you’ll earn.

  • Discover it® Chrome for Students offers 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, after which you’ll earn 1%.
  • Meanwhile, Discover it® Student Cash Back offers 5% cash back in quarterly rotating categories on up to $1,500 in combined purchases each quarter, after which you’ll earn 1%. These may include gas stations, wholesale clubs, restaurants, home improvement stores, Amazon.com and more.

With both cards, you’ll earn at least 1% cash back on everything you buy.

Picking the right card depends on your tastes. If you go out a lot, Discover it® Chrome for Students will give you solid cash back. If you don’t, the Discover it® Student Cash Back’s rotating categories may give you more chances to earn accelerated rewards.

Also consider your willingness to keep track of rotating categories. If you like fresh cashback options, the Discover it® Student Cash Back could be for you. Otherwise, you might prefer the consistency of Discover it® Chrome for Students.

Compare Discover credit cards

Data indicated here is updated regularly
Name Product Filter values Rewards Purchase APR Annual fee
Discover it® Cash Back
5% back in rotating categories up to $1,500 combined each activated quarter, then 1% after that and on all other purchases
0% intro for the first 14 months (then 11.99% to 22.99% variable)
$0
Earn 5% back on up to $1,500 in combined purchases in bonus categories every quarter you activate, then 1% thereafter. Earn 1% back on all other purchases.
Discover it® Miles Travel Credit Card
1.5x miles on all purchases
0% intro for the first 14 months (then 11.99% to 22.99% variable)
$0
Earn unlimited 1.5x miles on all purchases - from airfare and hotels to groceries and online shopping.
Discover it® Chrome Gas & Restaurant Card
2% back on gas and dining up to $1,000 combined quarterly, then 1% after that and on all other purchases
0% intro for the first 14 months (then 11.99% to 22.99% variable)
$0
Earn 2% cash back on gas and dining on your first $1,000 in combined purchases each quarter. After that earn 1% in these categories and on all other purchases.
Discover it® Secured
2% back on gas and dining up to $1,000 combined each activated quarter, then 1% after that and on all other purchases
22.99% variable
$0
2% cashback at restaurants or gas stations on up to $1,000 in combined purchases each quarter. Plus 1% cash back on all other credit card purchases.
Discover it® Chrome for Students
2% back on gas and dining up to $1,000 combined each activated quarter, then 1% after that and on all other purchases
0% intro for the first 6 months (then 12.99% to 21.99% variable)
$0
Earn 2% cash back on gas and dining on your first $1,000 in combined purchases each quarter. After that earn 1% in these categories and on all other purchases.
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