While Discover’s Chrome card is not exclusive only to students, Discover does have a different card targeted specifically for students, called the Discover It Student Chrome card. As a student, you may be wondering which card may be most suitable for your financial needs - let’s explore this through a comparison of both the cards.
Comparing the Discover it Chrome and the Discover it Student Chrome card
Feature |
Discover it Chrome |
Discover it Student Chrome |
Introductory APR |
0% for 14 months |
0% for 6 months |
Balance Transfer Fee |
0% for 14 months |
10.99% intro for 6 months |
Annual Fee |
$0 |
$0 |
As you can see from the table above, the Discover It Student Chrome card has a much shorter Introductory period as well as a higher balance transfer fee than the standard Chrome card. This is because the Student Chrome card is built specifically for those who are entering college are in high school and want to get a headstart in building their credit score.
Which Discover card should you choose?
In essence, students who are working toward building a credit score during high school or college should opt for the Student Chrome card. This is because this card awards a $20 credit for attaining a GPA of 3.0 or higher for up to 5 years, and therefore is a great incentive for students to strive for the best grades possible. However, this card is definitely not suitable for someone with bad spending habits, as the primary use of this card should be to make small purchases and pay them back as quickly as possible.
If your financial behavior and consumption pattern don’t match with the description above, you are most likely suited for the standard Chrome card. This card is best suited for those who regularly dine outside and own vehicles that frequently require gas refills. Furthermore, if you are looking for a high spending limit, then the standard Chrome card is a much better pick than the Student Chrome card. With the ability to earn rewards and cash back on purchases, the Discover It Chrome card is best for young people who are just about to enter the workforce.
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