The Discover it Student chrome card offers 1% cash back on all other purchases which Forbes estimates at $10,836 resulting in $108.36 in cash back. Earn 2% cash back in popular categories. Are you comfortable enough with your budget to jump through a few hoops to maximize the cash rewards you earn with your credit card? $10 32 East 31st Street, 4th Floor, regularly, Discover it® Chrome Gas & Restaurant Card, Wyndham Rewards® Earner℠ Business Card review, Bank of America® Cash Rewards Secured review, Emirates Skywards Premium World Elite Mastercard® review, Up to 0% intro for the first 12 months (then 12.99% to 20.99% variable). It then switches to 1% cash-back rewards. For this reason, it’s really a junior version of Discover’s most popular product. Privacy Policy. 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. variable, 10.99% 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. So that’s another $20 you can add into the rewards bucket each year assuming you can a least average a B. If you apply for a credit card, the lender may use a different credit score when considering your application for credit. I am a college junior and I am looking to build my credit. In short, the Discover it® Cash Back card is the most recent iteration of Discover’s product line, having replaced the Discover More® card in 2013. Plus earn unlimited 1% cash back on all other purchases automatically. 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. The Discover it® Student Cash Back is very similar to the Discover it chrome for Students. The BankAmericard gives you 2% cash back at groceries and wholesale club and 3% at gas stations. However, because the terms are lenient and the fees are low, it’s still a good first-time credit card for students. Considering Square or Clover? finder.com compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. 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 spend that full $333. If you don’t, the Discover it® Student Cash Back’s rotating categories may give you more chances to earn accelerated rewards. Discover it® Chrome for Students offers 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each … The offers that appear on this site are from companies from which CreditCards.com receives compensation. The Discover it chrome … The Discover it® chrome offers 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, then 1%. If you are unsure, you should get independent advice before you apply for any product or commit to any plan. The Discover it Student Cash Back will provide you with a $20 statement credit each school year your GPA is 3.0 or higher for up to five years. Griffin Miller. This means you earn a percentage of your purchase as a cash reward. I agree to the Privacy and Cookies Policy, finder.com Terms of Use and to receive emails from Finder. Here’s what you need to know. 2% back on gas and dining up to $1,000 combined quarterly, then 1% after that and on all other purchases. In this video, I am going to be reviewing the Discover It Cash Back rewards card. 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. Earn cash back rewards for college and beyond while practicing responsible credit habits with this Discover it ® card for students. New York, NY, 10016. 5% Here are a few of the things we like most about the Discover it® Student chrome. Discover offers two cash back systems, and choosing between the two will require a bit of understanding of where you tend to make purchases. Get our weekly newsletter for the latest in money news, credit card offers + more ways to save. Discover it® Student Cash Back vs Discover it® Student chrome. Please tick the box if you wish to continue with newsletter subscription. Discover it® Student Cash Back vs Discover it® Student chrome. Easy-to-understand rewards program. Discover it® Student chrome vs. We strive to ensure our content is clear and honest. Reward cards typically might include 4% to 5% cash-back rewards. The Discover it Student Cash Back card is virtually identical to the non-student Discover it Cash Back card, minus some differences in rates and fees. CreditCards.com credit ranges are derived from FICO® Score 8, which is one of many different types of credit scores. But even if that’s the case, we’re still not sure that the Discover it® chrome … Get essential reads every week with our newsletter. Although most college students can benefit from using either of Discover’s student cards, the two are not the same. ), small amazon purchases, and the occasional restaurant. Of the two cards, the Discover it® Cash Back card is the clear earner, but it may not be the better option if you don’t like keeping up with rotating categories. Input your current credit card balance and interest rate to calculate your potential savings. 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. You get 5% back on up to $1,500 in … The Discover product line remained relatively unchanged for several years, but 2013 brought big changes with the introduction of the Discover it® Cash Back card. The key difference between the Discover student credit cards (Discover it for Students vs Discover it Chrome for Students) is how you earn rewards; it Chrome is much simpler but could potentially be less lucrative, depending on when, where and how often you … If so, go with the Discover it Student Cash Back. It offers 2% cash back for purchases made at gas stations and restaurants, up to $1,000 per quarter, and unlimited 1% cash back on all other purchases. Both systems will provide an unlimited cash back rate on every purchase, but the bonus category structure will vary. 1% unlimited cash back on all … If less than $500 in spend per month is more closely aligned with your budget, go with the Student chrome card. After that earn 1% in these categories and on all other purchases. 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: the "Apply Now" button, you can review the credit card terms and conditions on the issuer's web site. With Discover it Chrome for Students you receive 1% cash back on every purchase. 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. Here are a few of the things we like most about the Discover it® Student chrome. CreditCards.com does not include the entire universe of available financial or credit offers.CCDC has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. We have compiled an ongoing list of experiences and moments that can be purchased or bid on using credit cards rewards or cash. of the transaction, whichever is greater, APR: The main difference is that the Discover it® Cash Back offers accelerated cash back on rotating categories each quarter, while the Discover it® Chrome Gas & Restaurant Card offers accelerated cash back only on gas and dining. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Finder® is a registered trademark of Hive Empire Pty Ltd, and is used under license by Finder.com LLC. At first glance, the two cards seem pretty similar. All other perks and features are outlined in the table below. See the online credit card applications for details about the terms and conditions of an offer. Use the Discover it Student Cash Back whenever you’ll get 5% back, and use the Discover it Student Chrome for gas and at restaurants. All Rights Reserved. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within listing categories. Plus 1% cash back on all other credit card purchases. Discover it Chrome for Students is a cashback card. The editorial content on this page is based solely on the objective assessment of our writers and is not driven by advertising dollars. Is there a Discover it Chrome for Students cash back or rewards program? The biggest difference is the cash back you’ll earn. I only have my federal aid loans on my credit report and I need to start thinking about future credit. Again, this isn’t to say you’re required by Discover to spend that full amount every month, but if you want to get the most bang for your buck, you should try. Your credit cards journey is officially underway. The offers that appear on this site are from companies from which CreditCards.com receives compensation. Discover it® Student Cash Back vs Discover it® Student chrome. It earns 2% cash back at restaurants and gas stations, on up to $1,000 in combined purchases per quarter (then 1%).And 1% cash back is earned for all other purchases. The Discover it® Student chrome offers decent ongoing rewards… This interest rate is lower than what other banks might offer. If so, go with the Discover it Student chrome. Earn Emirates miles on your purchases and enjoy premium benefits with this airline credit card. The most difficult choice for some may come when having to decide between the Discover it® Student Cash Back or its chrome variant. 12.99% to 21.99% College students looking to build credit, earn cash back, and pay no annual fee should consider the Discover It Student Cash Back. Discover's flagship card, the Discover it® Cash Back, offers 5% cash back in quarterly categories that you activate. By providing my email address, I agree to CreditCards.com’s intro APR for We update our data regularly, but information can change between updates. Understandably the good grades reward only applies to students but for perspective the student rewards gets stretched into 5 separate years, so there is high incentive to use the card for those 5 years. Discover it Cash Back. Your rewards never expire. The Discover it® Student Cash Back is one of the most rewarding student credit cards. Discover it® Student chrome vs Discover it® Student Cash Back. Redeeming Rewards . 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. 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. 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. Optional, only if you want us to follow up with you. Rewards come in two primary forms. The rundown: Everything we like about Discover it® Student chrome. The Discover More® card was the first Discover card to offer rotating bonus rewards categories to cardholders as a way to earn more cash back on certain purchases. 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). Cash back may be flat-rate, multi-tier, or revolving categories. An expensive card to use at the Horizon Outlet website. Discover it® Student chrome. to With Discover it Chrome for Students you receive 1% cash back on every purchase. Compare credit cards with airport lounge access. Learn how we maintain accuracy on our site. 2% cashback at restaurants or gas stations on up to $1,000 in combined purchases each quarter. Easy-to-understand rewards program. The card details on this page have not been reviewed or provided by the card issuer. Earn 5% back on up to $1,500 in combined purchases in bonus categories every quarter you activate, then 1% thereafter. 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). Their biggest differentiator is the way they earn cash back: The Discover it Student chrome caps 2-percent cash back earnings on gas and dining after spending $1,000 each quarter. We may also receive payment if you click on certain links posted on our site. The most difficult choice for some may come when having to decide between the Discover it® Student Cash Back or its chrome variant. As for the chrome, there are cards better than or equal to 2% with better perks. The Discover it Student chrome caps 2-percent cash back earnings on gas and dining after spending $1,000 each quarter. 1. to maintain accurate information. Please appreciate that there may be other options available to you than the products, providers or services covered by our service. Journey Student Rewards from Capital One Though the cash back isn't as high with the Journey Student Rewards from Capital One , you are financially rewarded for good behavior with a 25% boost in cash rewards if you pay on time, as well as the opportunity for a credit limit increase in as little as six months. The Discover it® Student chrome comes with the same features as Discover it® Student Cash Back listed below, only the rewards are calculated differently. finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. Among student credit cards, the card that resembles the Discover It Chrome the most is the BankAmericard Cash Rewards for Students. 1. 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 spend … 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. Discover will match cash back at the end of your first card year, 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, 0% Discover offers two student credit cards — Discover it® Student Cash Back and Discover it® Student chrome. As for the chrome, there are cards better than or equal to 2% with better perks. Discover it® “Cash Back” Cards. We may rely on information that is provided to us. The Discover it® Student chrome is a low-cost credit card that’s a good fit for college students looking to earn cash back rewards on everyday expenses. Gas stations; Restaurants (including cafes, takeout, delivery and fast-food) on up to $1,000 in combined purchases each quarter. Megan Horner is the credit cards publisher at Finder. Discover has 2 student credit cards. 24.99% While we receive compensation when you click links to partners, they do not influence our content. She's passionate about helping you find the best credit cards to meet your financial needs — whether that's earning great rewards or improving your credit score. Discover it Student Cash Back vs Discover it Student chrome, Student credit cards: The definitive guide, Young adults shouldn’t wait too long to get started with credit, Guide to responsible credit card use in college, Save money on common expenses while in school, 5% cash back on rotating quarterly bonus categories that you must activate each quarter (on up to $1,500 in purchases each quarter), 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, Higher cash back rate than most student cards, Special first-year bonus not offered by other card issuers, $20 statement credit each school year your GPA is 3.0 or higher for up to next five years, 2% cash back on categories popular for students, Not all bonus categories may be relevant for all college students, Only 1% cash back offered on non-bonus categories, Have to wait till the end of your first year to collect the introductory bonus, Bonus rewards are capped after $1,000 in combined spending each quarter, Students who don’t mind tracking categories/spending to maximize rewards, Students who do a lot of grocery shopping, Students who are new to credit and want a simple rewards program. 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