Difference Between Discover It Chrome For Students And Discover It Student Cash Back

If you want simplicity, discover it student chrome is better.

If you do not mind keeping track of bonus categories that change each quarter, you may earn higher rewards with discover it student cash back.

If you are spending more on gas and restaurants, go with discover it chrome for students.

Both cards offer same sign up bonus and same intro apr.

 

Discover it Student Cash Back

Discover It Chrome For Students

Pros:

No annual fee

Special first year bonus

High cash back compare to other student credit cards

$20 statement credit each school year your GPA is 3.0 or higher for up to next five years

2% cash back on gas and restaurant.

No annual fee

First year double rewards.

$20 statement credit each school year your GPA is 3.0 or higher for up to next five years

Cons:

1% cash back on non bonus category.

Your spending may not be inline with bonus categories.



2% cash back on gas and restaurant is capped to $1000 combined gas purchase.

Reward Rate:

5% cash back on rotating quarterly bonus categories that you must activate each quarter (on up to $1,500 in purchases each quarter)

1% cash back on all other purchases

2% cash back on up to $1,000 in combined purchases at restaurants and gas stations every quarter-no sign-ups needed. 1% cash back on all your other purchases.

Sign Up Bonus:

Discover will match ALL the cash back you’ve earned at the end of your first year, automatically. There is no limit to how much is matched.

Discover will match ALL the cash back you’ve earned at the end of your first year, automatically. There is no limit to how much is matched.

Annual Fee:

$0

$0

Credit Needed:

630 – 690, Average

630 – 690 Average

Intro Apr:

0% on Purchases for 6 months and 10.99% on Balance Transfers for 6 months

0% on Purchases for 6 months and 10.99% on Balance Transfers for 6 months

Regular Apr:

14.49% – 23.49% Variable APR

14.49% – 23.49% Variable APR

Balance Transfer Fee:

3% intro balance transfer fee, up to 5% fee on future balance transfers

3% intro balance transfer fee, up to 5% fee on future balance transfers

Reward Type:

Cash Back

Cash Back

Network:

Discover

Discover

Foreign Transaction Fee:

$0

$0

Cash Advance Apr:

26.49% (V)

26.49% (V)

Cash Advance Fee:

5% Min $10

5% Min $10

Other Details:

No late fee on first late payment.

Free fico credit score

On/off switch to prevent new purchase and balance transfer

Free fico credit score

On/off switch to prevent new purchase and balance transfer within seconds.

No late fee on first payment.

Discover It Student Cash Back Card Review With Pros And Cons

Discover It Student Chrome Review With Pro And Cons

Related Differences:

Difference Between Capital One Journey And Discover It Student Cash Back

Discover It Student Cash Back Vs Wells Fargo Cash Back College

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