Chrome trades the rotating-category hassle for something simpler: a steady 2% back on gas and dining, with no quarterly activation to remember, on a card with no annual fee and no foreign transaction fee. For a student whose spending really is mostly food and fuel, that predictability is worth something. The ceiling is low, though: the 2% is capped at $1,000 in combined gas and dining per quarter, and everything past that cap or outside those two categories earns 1%. The 0% intro APR lasts just 6 months on purchases, and the ongoing rate of 16.49% to 25.49% means this is not a card to carry a balance on. If you'd rather chase bigger categories, Discover's rotating-category student card earns more; Chrome is for the student who wants to not think about it.
Earn rates & credits
| Category | Rate |
|---|---|
Gas Up to $1,000/quarter combined with dining on first $1,000/qtr, then 1% | 2% |
Dining Up to $1,000/quarter combined with gas on first $1,000/qtr, then 1% | 2% |
Everything Else | 1% |
Card details
Regular APR | 16.49%–25.49% variable |
Intro APR on purchases | 0% for 6 months |
Foreign transaction fee | None |