The Discover it® Student Cash Back offers the same cash back rewards as the Discover it® Cash Back, plus added benefits. can be a potentially more lucrative option. • Walmart.com. It depends. • Gas stations. Earn 2% cash back in popular categories. All financial products, shopping products and services are presented without warranty. Discover offers two student credit cards — Discover it® Student Cash Back and Discover it® Student chrome. So we’ll give this category to Discover it® Student chrome. Both cards offer a similar sign-up bonus and an introductory APR period. Discover it® Student chrome offers a consistent 2% cash back on your first $1,000 spent on gas and restaurant purchases per quarter. Discover has 2 student credit cards. Best Balance Transfer and 0% APR Credit Cards, 7 Credit Card ‘Rules’ You Can Break in an Emergency Like COVID-19. With either card, the flexibility to redeem rewards at any amount is beneficial, especially when you need money for a late-night study session or pizza run. From huge sign-up bonuses to generous rewards, NerdWallet's best credit cards outshine the rest. They both have the same bonus and spending requirements to earn it. Keep in mind that for either card, even if you have no credit history, that may not prevent you from qualifying. Both have the same benefits but the Chrome offers a 2% cash back for gas and eating out and the cash back offers a 5% cash back on everyday purchases at different places each quarter for groceries, gas, restaurants, online shopping, etc. Disclaimer: The information for the Discover it® Cash Back and Discover it® chrome has been collected independently by CreditDonkey. Discover it® Student Cash Back offers 5% cash back (up to a quarterly maximum) in bonus categories that rotate and need to be activated. You’ll have to activate these categories each quarter. And you have to sign up for new bonus categories every time they change. Plus, earn unlimited 1% cash back on all other purchases - automatically. Redeeming Rewards . Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds. The card details on this page have not been reviewed or provided by the card issuer. For 2020, the categories include grocery stores, Walgreens and CVS (January … No annual fee. • Amazon.com. Plus, earn unlimited 1% cash back on all other purchases - automatically. See #4 in Let’s Get Started To Earning Free Travel. Discover it® Student chrome: 0% intro APR on Purchases for 6 months and 10.99% intro APR on Balance Transfers for 6 months, and then the ongoing APR of 12.99% - 21.99% Variable APR. restaurants (including cafes and fast-food) on up to $1,000 in combined purchases each quarter. The only difference is the reward structure, which is quite different. With a credit card, you can carry a balance and accrue interest if necessary. Discover it® Student chrome: Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. On the surface, the Discover it® Cash Back and Discover it® chrome look similar – they have the same simple exterior with the words “Discover it” emblazoned across the front. Discover will automatically match all the cash back you’ve earned at the end of your first year! is a low-maintenance option that offers a competitive 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, and 1% back on all other purchases. Posted by mdadmin No Responses Money Savers January 2, 2019. Limited History, 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*. (Redeeming rewards for gift cards or instant eCertificates with Discover partners does require a minimum of $20 earned in cash back.). Or turn $100 into $200. In general, though, starter credit cards with simpler terms are better because they’re easier for young people to manage. Before you apply for a credit card we recommend that you review and verify the credit card terms and conditions on the credit card company's web site. If you want simplicity: The Discover it® Student chrome is a low-maintenance option that offers a competitive 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, and 1% back on all other purchases. Discover it® Chrome Gas & Restaurant Card. It’s a tie. Earn 2% cash back at gas stations. The Discover it® Student chrome card is available to students who are enrolled in a two or four-year university. Discover it® Student chrome and Discover it® Student Cash Back are both popular student credit cards. Disclaimer: NerdWallet strives to keep its information accurate and up to date. This page includes information about Discover products that are not currently available on WalletHub and may be out of date.The Verdict: The decision between Discover’s two student credit cards, Discover it® Student chrome and Discover it® Student Cash Back, really depends on whether you’d rather earn cash back at gas stations and restaurants or cash back in bonus categories that change every three months. There’s no minimum redemption requirement (with a couple of exceptions). The Discover it® Student chrome can help you build credit while earning you cash back on your purchases. How Discover it for Students Compares To Other Student Credit Cards Discover it for Students vs Capital One Journey Student Rewards Card. Discover it® Student Cash Back vs Discover it® Student chrome. Wallethub doesn’t charge for this service. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly. will be a better bet, especially if you spend a lot on gas or dining out. Choose the one that earns the most value for your everyday spending. But they award Discover it Student Cash Back 4.7 / 5. With similar names and many of the same perks, it may seem like the Discover it® Student Cash Back could be the Discover it® Student chrome’s stunt double, or vice versa. When it comes to student credit cards, rewards are nice — and in this case of similar cards, they can be a deciding factor — but what really matters is the opportunity to establish credit. With similar names and many of the same perks, it may seem like the Discover it® Student Cash Back could be the Discover it® Student chrome’s stunt double, or vice versa. You actually have to be enrolled in a two- or four-year college or university to qualify. The Discover it® Student Cash Back is very similar to the Discover it chrome for Students. Discover will automatically match all the cash back you’ve earned at the end of your first year! The card gives students 5% cash back in categories that change each quarter, up to the quarterly maximum of $1,500 when they sign up. • June only: Home Depot. Your Chrome credit card for students earns 2% Cashback - automatically - at:. Once you do that, you can qualify for lower interest rates in the future when you buy a car, a house or take out a loan. The Discover it® Student chrome offers decent ongoing rewards in specific categories, while the Discover it® Student Cash Back credit card earns a higher rate on spending categories that change quarterly. Overall, Discover it for Students is a better deal than the Capital One Journey Student Rewards Card.While the Capital One Journey Student Rewards Card offers 1 percent cash back on all purchases, it does not offer 5 percent on rotating categories. There’s no minimum spending or maximum rewards. When evaluating offers, please review the financial institution’s Terms and Conditions. Discover it® Student Cash Back: 0% intro APR on Purchases for 6 months and 10.99% intro APR on Balance Transfers for 6 months, and then the ongoing APR of 12.99% - 21.99% Variable APR. You’ll still earn 1% on all purchases, though, which is a decent rate for a student credit card. Plus, earn unlimited 1% cash back on all other purchases like books, groceries and college staples with the student Discover ® card designed for your lifestyle in college and beyond. Discover it® Student Cash Back: The same applies to this card. Our partners compensate us. Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. Her work has been featured by The Associated Press, New York Times, Washington Post and USA Today. College students looking to build credit, earn cash back, and pay no annual fee should consider the Discover It Student Cash Back. As for the chrome, there are cards better than or equal to 2% with better perks. If, however, you have a credit history but it's poor, you can consider an alternative option that looks beyond credit scores. • Select streaming services. The current bonus categories for the Discover it® Student Cash Back are: • Gas stations. NerdWallet strives to keep its information accurate and up to date. Plus, earn unlimited 1% cash back on all other purchases. » MORE: How to choose a student credit card. That would bring the max bonus cash back you could earn with the Discover it® Cash Back card up to $600 and up to $160 for the Discover it® chrome — a $440 difference. Discover it® Chrome for Students offers 2% cash back at gas stations and restaurants on up to $1,000 in … General assistance is available with a phone call or online chat, but some issuers are taking specific steps for individual cards. (Checking has no effect on your credit score.). Just a dollar-for- dollar match. If, however, you have a credit history but it's poor, you can consider an. The Discover it® Student chrome offers decent ongoing rewards in specific categories, while the Discover it® Student Cash Back credit card earns a higher rate on spending … If, however, you don't mind keeping track of bonus categories that change each quarter, the. Pre-qualified offers are not binding. Both cards offer the same variety of redemption options. Get an alert if we find your Social Security number on any of thousands of Dark Web sites. Property and Casualty insurance services offered through NerdWallet Insurance Services, Inc.: Licenses, NerdWallet Compare, Inc. NMLS ID# 1617539, NMLS Consumer AccessLicenses and Disclosures, California: California Finance Lender loans arranged pursuant to Department of Financial Protection and Innovation Finance Lenders License #60DBO-74812, We want to hear from you and encourage a lively discussion among our users. One of the drawbacks to the Discover it Cash Back and Discover it Student Cash Back is that they don’t come with sign-up bonuses. But if you’re comfortable sacrificing predictability for upside potential, you may prefer Discover it Student Cash Back. (Redeeming rewards for gift cards or instant eCertificates with Discover partners does require a minimum of $20 earned in cash back.). You might also find that some quarterly categories don’t match your spending with the Discover it® Student Cash Back. Discover it® Student Cash Back and Discover it® Chrome for Students are very similar. Redeem rewards at any amount for statement credit, a deposit into an account or by using your rewards to pay at select merchants, including Amazon. Both cards are designed with students in mind and provide the resources for students to build credit while also earning rewards. And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free. • Uber and Lyft. Of course, you can use the card for other purchases to earn 1-percent cash back, but in order to get the most bonus rewards, you’d need to … If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly. At WalletHub we try to list as many credit card offers as possible and currently have more than 1,200 offers, but we do not make any representation of listing all available offers. We’ve lined up the featured offers of the Discover it® Student chrome next to the Discover it® Student Cash Back to show you the differences and give you a better understanding of their highlights: They both have the same bonus and spending requirements to earn it. There is a lack of student specific credit cards so any offer with student incentives is already a great reward. Or turn $100 into $200. Both options offer a short break from interest payments if you need some time to pay off expensive textbooks or a new computer. No late fee on first late payment. I'm stuck between the Discover IT Student Cash Back card and the Discover IT Student Chrome card. Discover it® Student Cash Back: INTRO OFFER: Unlimited Cashback Match – only from Discover. The Discover it for Students provides 5% cash back in categories that rotate every three months, up to $1,500 spent per quarter, then 1% (activation required). Ad Disclosure: Certain offers originate from paying advertisers, and this will be noted on a card's details page using the designation "Sponsored Card", where applicable. Compare these deals from our partners to find one that fits your needs. Discover is definitely one of the better cards out there that understands that now is the time to build credit without missing out on rewards that many students can't access because of their little or non-existent credit history. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features. For a low-maintenance option, the Discover it® Student chrome will be a better bet, especially if you spend a lot on gas or dining out. The cards also offer the same benefits, including a Good Grade Reward and free access to your FICO® Score. Just a heads up that for the first year disco cash back is actually 10%. All financial products, shopping products and services are presented without warranty. The Discover it Chrome for Students Card offers 2% cash back on up to $1,000 in combined spending on dining out and gas each quarter, and then 1% cash back after that). It all comes down to your spending habits and whether you’re willing to put in a little more work for a higher rewards rate. Discover will automatically match all the cash back you’ve earned at the end of your first year! With either card, the flexibility to redeem rewards at any amount is beneficial, especially when you need money for a late-night study session or pizza run. •. • Uber and Lyft. 2 Plus, earn unlimited 1% cash back on all other purchases like books, groceries and college staples with the student Discover card … INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. Discover it® Student Cash Back If you’re not sure whether the Discover it® Student chrome is the best option for you, take a look at this card comparison. Or turn $100 into $200. So if you want less hassle, and gas and dining out are among your biggest expenses, Discover it Students chrome is the way to go. If you know your options and ask the right questions, you can find the best fit for your spending habits and goals. So how do we make money? The best fit for you depends on your spending personality and whether you crave low maintenance or elevated rates. Discover it® Student chrome vs Discover it® Student Cash Back. Category Winner: Tie, WalletHub’s editors give Discover it Student chrome 4.3 / 5. • (Nov. 25 to Dec. 31 only): Best Buy. Just a dollar-for-dollar match. Plus, earn unlimited 1% cash back on all other purchases. Discover It Student Cash Back vs. Both offer 1% cash back on other purchases. Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. That means in order to max out your rewards, you’d need to spend an average of $333 per month on combined dining and gas. Both cards give you 1% cash back on all other purchases, and they match your first year’s cash back on your account anniversary. Apply For The Discover it Student Chrome Cash Back Card Here . (Checking has no effect on your credit score.). ), » GET PRE-APPROVED: See if you’re pre-approved for a Discover card. Discover it Chrome Students Card is offering rewards for good grades and cash back match within the 1st year of card membership! But there is one main difference between the two credit cards — their rewards rates and structures. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. Discover It Student Chrome – NerdWallet. I have the cashback and get as many x5 cards as i can. INTRO OFFER: Unlimited Cashback Match – only from Discover. The Discover it chrome … Pre-qualified offers are not binding. Both choices are worthy candidates as starter cards, but your spending habits can point you toward the best option. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). The points game does not work well, if you are carrying a balance and accruing interest. Our opinions are our own. Opinions expressed here are the author’s alone, not those of an issuer, and have not been reviewed, approved or otherwise endorsed by an issuer. Discover it chrome is more consistent but has a lower ceiling, giving you 2% bonus cash back on the first $1,000 spent per quarter in the same categories – gas and restaurants – all the time. But if you’re comfortable sacrificing predictability for upside potential, you may prefer Discover it Student Cash Back. If you want to maximize rewards: The Discover it® Student Cash Back can offer higher rewards in specific categories, if you're willing to put in the effort to track those categories and activate them each quarter. But that doesn't necessarily mean either one is right for you. Other than their bonus rewards, the two cards are virtually identical and you can learn more about them below. Both are also available to college students with limited or no credit. Discover it® Student chrome: There’s no minimum redemption requirement (with a couple of exceptions). Fair So if you're still on the fence about which credit card to apply for, checking out these additional resources may be helpful: Enter your cell phone number and we’ll send you a link to install the WalletHub app. In fact, the Discover it® Student chrome card is one of only a handful of credit cards that are created specifically for students. Discover will automatically match all the cash back you’ve earned at the end of your first year! or » MORE: NerdWallet’s best Discover credit cards. * Activate for free. So you could turn $50 cash back into $100. And no limit to how much is matched. The Discover it® Student chrome comes with the same features as Discover it® Student Cash Back listed below, only the rewards are calculated differently. Or turn $100 into $200. Discover it Cash Back and Discover it chrome are nearly identical in all other categories, though. Of course, minimum payments still apply. Discover it® Student Cash Back, on the other hand, gives you 5% bonus cash back, up to a quarterly maximum, in categories that change every three months. It all comes down to your spending habits and whether you’re willing to put in a little more work for a higher rewards rate. There’s no minimum spending or maximum rewards. Many or all of the products featured here are from our partners who compensate us. So you could turn $50 cash back into $100. The Discover it Cash Back is a rotating categories card that offers a 5% bonus on a different category each quarter that you must enroll (on up to $1,500 in spending per quarter, then 1%). Standard message rates apply. Discover it® Student Cash Back, on the other hand, gives you 5% bonus cash back, up to a quarterly maximum, in categories that change every three months. How to Pick the Best Credit Card for You: 4 Easy Steps. You’ll still earn 1% on all purchases, though, which is a decent rate for a student credit card. Both cards offer Cashback Match bonuses, $0 annual fees and intro APRs on purchases and balance transfers. So if you want less hassle, and gas and dining out are among your biggest expenses, Discover it Students chrome is the way to go. Discover It Student Card! • Gas stations. Discover it® Student chrome: INTRO OFFER: Unlimited Cashback Match – only from Discover. Neither card requires you to have a FICO history, according to the issuer. The biggest difference is the cash back you’ll earn. Neither card charges an annual fee or a foreign transaction fee, and both offer 1% back on non-bonus category purchases. Besides the rewards programs, the Discover it® Student chrome card and Discover it® Student Cash Back card are virtually identical. Discover it Student Chrome Cash Back Card is a Credit Card. However, this does not influence our evaluations. Plus, earn unlimited 1% cash back on all other purchases – automatically. How Credit Card Issuers Are Responding to COVID-19. With Discover it® Student Chrome, you’ll earn 2 percent cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter—no sign-ups … 1. Chrome is still a good card but you can find better. Earn 5% cash back on up to $1,500 per quarter in spending in rotating categories that you activate. The Discover it Student chrome caps 2-percent cash back earnings on gas and dining after spending $1,000 each quarter. (Learn about the range of credit scores, or get your free credit score on NerdWallet. Melissa Lambarena is a credit cards writer at NerdWallet. Of course, minimum payments still apply. 0% intro APR on Purchases for 6 months and 10.99% intro APR on Balance Transfers for 6 months, and then the ongoing APR of 12.99% - 21.99% Variable APR. • Target.com. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. When evaluating offers, please review the financial institution’s Terms and Conditions. Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more. We work hard to present you with the most accurate credit card information, however, this information does not originate from us and thus, we do not guarantee the accuracy of the information. Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years. Discover it® Student chrome offers 2% bonus cash back on $1,000 in gas and restaurant purchases each quarter. You might also find that some quarterly categories don’t match your spending with the. Keep in mind that for either card, even if you have no credit history, that may not prevent you from qualifying. • Wholesale clubs. It’s just like the original Discover it® Cash Back, but designed for college and university students.. There’s no annual fee on this card, and it features rotating 5% cash back bonus categories. So you could turn $50 cash back into $100. • Wholesale clubs. Earn 1% cash back on all other purchases. This content is not provided or commissioned by any issuer. • Amazon.com. • Target.com. credit card earns a higher rate on spending categories that change quarterly. Both cards offer the same variety of redemption options. You’ll have to activate these categories each quarter. NerdWallet's ratings are determined by our editorial team. Plus, earn unlimited 1% cash back on all other purchases – automatically. Get an unlimited dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically. Some category examples include department stores, gas stations, groceries and more. However, the cards have a very different structure to their cash back programs. At first glance, the two cards seem pretty similar. Redeem your rewards for cash in any amount. Yet another tie. Our partners cannot pay us to guarantee favorable reviews of their products or services. Another tie. The Discover it® Student Cash Back is one of the most rewarding student credit cards. Here is a list of our partners. • Walmart.com. • Wholesale clubs. With the combined generous rewards program, intro APR on new purchases and no late fee on the first late payment, it's clear to see why this Discover student credit card is among the most popular offers for college students on the market today. No APR change for paying late. Please let us know if you find any differences. The Discover it® Student Cash Back is another option for those in college, and for many it will be the better one. The difference comes mainly from the higher earning potential of Discover it Student Cash Back if you can take full advantage of its bonus categories. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Student are you listening now? Plus, earn unlimited 1% cash back on all other purchases – automatically. If, however, you don't mind keeping track of bonus categories that change each quarter, the Discover it® Student Cash Back can be a potentially more lucrative option. There’s no minimum spending or maximum rewards. Category Winner: Discover it® Student chrome, You need to be a student with limited or fair credit to get either one of these cards. There’s no minimum spending or maximum rewards. So, you’re trying to decide between the Discover it® Cash Back and the Discover it® chrome. Discover it® Student chrome vs. You’ll also earn 1% back on everything else you buy. • Target.com. This may influence which products we write about and where and how the product appears on a page. The cards tie with WalletHub’s user reviews, each receiving a 4-star average rating. 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 12.99% - 21.99% applies. Just a dollar-for-dollar match. Please help us keep our site clean and safe by following our, Prevent identity theft, protect your credit, The difference between term and whole life insurance, How medical conditions affect your life insurance rate, With similar names and many of the same perks, it may seem like the, offers decent ongoing rewards in specific categories, while the. For example, some cards mat offer you something like $150 back after you spend $1,000 in the first three months after account opening.. Discover it® Student chrome: Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. » MORE: NerdWallet's best student credit cards. Neither card requires you to have a FICO history, according to the issuer. Students who live on campus, by contrast – or who live at home with their parents – may want to consider the Discover it ® Student chrome, which offers 2 percent cash back all year (on up to $1,000 in spending per quarter) on restaurants and gas station purchases. So a lot depends on personal preference, how much you spend on gas and dining, and how well Discover it® Student Cash Back’s rotating bonus categories suit your spending habits. can offer higher rewards in specific categories, if you're willing to put in the effort to track those categories and activate them each quarter. We believe everyone should be able to make financial decisions with confidence. Just a dollar-for- dollar match. But even if that’s the case, we’re still not sure that the Discover it® chrome … . Note this is not advised by me. Redeem rewards at any amount for statement credit, a deposit into an account or by using your rewards to pay at select merchants, including Amazon. •, • Amazon.com. 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