Cash back · Discover · No annual fee
Last verified 2026-09-09. Review issuer source
Discover It Student Chrome is a no-annual-fee cash back card from Discover. Its best everyday rates are 2% on dining, and 2% on gas stations; everything else earns 1%. Dining is capped at $1,000 a quarter, then drops to the base rate. The top rate rotates through categories each quarter and needs activating.
On our reference budget of $24,600 a year it returns about $306, an effective 1.2% back.
Use it to start a file. Pay in full every month, keep the balance low, and move to a stronger rewards card once you have a year of history.
Cap: $1,000 per quarterly
Earn 2% Cashback Bonus® at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically.
Cap: $1,000 per quarterly
Earn 2% Cashback Bonus® at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically.
No welcome bonus is stored for this catalog entry yet.
Earn 2% Cashback Bonus® at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus, earn unlimited 1% cash back on all other purchases.
Discover gives cardmembers a FICO ® Credit score for free on monthly statements, mobile and online.
Get an unlimited dollar-for-dollar match of all the cash back you earn at the end of your first year, automatically. There is no limit to how much we'll match. So you could turn $50 cash back into $100. Or $100 into $200.
Benefit descriptions are the issuer’s and network’s own wording, trimmed for length. Limits and exclusions are in the guide to benefits.
| Card | Annual fee | Rewards earned | Net after fee | Rank |
|---|---|---|---|---|
| Discover It® Student ChromeThis card · 2% on dining | None | $306 | +$306 | 533rd of 1,291 |
| Discover it® Cash BackDiscover's most-held other card · 5% on drugstores | None | $462 | +$462 | 300th of 1,291 |
| Savor RewardsThe strongest no-fee card on this budget · 3% on dining | None | $642 | +$642 | 4th of 1,291 |
| Robinhood Gold CardHighest net return on this budget · 3% on everything | $50 | $798 | +$748 | 1st of 1,291 |
Reference budget: groceries $6,000, dining and restaurants $3,600, gas and ev charging $2,400, travel and transit $3,000, online shopping $2,400, entertainment and streaming $1,200, everything else $6,000. Points are valued at 1¢ unless the program is worth less; statement credits, welcome bonuses, and perks are left out. Run it with your own spending.
