Discover it® Student Chrome
vs. Discover it® Secured Credit Card

If you're a student or someone starting to build credit, you may be considering the Discover it® Student Chrome and the Discover it® Secured Credit Card. The Discover it® Student Chrome is generally the better option for students, offering a lower APR range of 18.24% to 27.24% variable and a 0% intro APR on purchases for six months. It doesn't require a security deposit, which is a significant advantage. However, for those with no credit history who can provide a security deposit, the Discover it® Secured Credit Card is a strong contender, especially for earning rewards on gas and restaurant purchases.

You might prefer the Discover it® Student Chrome if: You're a student looking to build credit without tying up funds in a security deposit. This card offers a 0% intro APR on purchases for the first six months, which can be particularly useful if you have upcoming expenses and want to avoid interest charges as you get started. Additionally, with no annual fee and a rewards program that gives you cash back at gas stations and restaurants, it's tailored to fit a student's lifestyle and spending patterns.

You might prefer the Discover it® Secured Credit Card if: You're new to credit or looking to rebuild and are willing to provide a security deposit. The deposit acts as your credit line and can help you establish a credit history with responsible use. Like its student-focused counterpart, this card also offers cash back on gas and restaurant purchases and has no annual fee. Plus, the security deposit is refundable, so you can get it back as you build credit and potentially transition to an unsecured card.

The Discover it Student Chrome Card boasts a MoneyGeek balance transfer card rating of 3.4 out of 5, reflecting its suitability for students and individuals with no credit history. With no annual fee and a 0% introductory APR on six-month purchases, this card is tailored for those looking to build credit while enjoying some financial flexibility. The card's rewards program is particularly beneficial for on-the-go students, offering 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. Plus, the Unlimited Cashback Match feature means Discover will automatically match all the cash back you've earned at the end of your first year, making it an intelligent choice for maximizing rewards without complicating your finances.

The Discover it® Secured Credit Card, rated 3.1 by MoneyGeek for its absence of an annual fee, is a solid choice for individuals looking to establish or rebuild their credit. With a 4.4 satisfaction rating from cardholders and a 4.0 rating for its lenient penalty structure, this card stands out for its consumer-friendly features. It requires no credit history for application and offers a unique opportunity to earn rewards while building credit, with 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. The Cashback Match™ introductory offer further enhances the card's appeal, effectively doubling the cash back you earn in your first year. With a variable APR of 28.24%, users must manage their balances carefully to avoid high interest charges. However, the lack of foreign transaction fees makes it a cost-effective option for international use. Designed for credit building, the Discover it® Secured Credit Card is a practical tool for those willing to secure their credit line with a deposit.