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Discover it® chrome

Discover it<sup>®</sup> chrome

Discover it® chrome

Intro APR
0% for 14 Months on purchases and balance transfers, then 11.99% - 22.99% variable APR
Rewards Rate
Earn cash back on your next road trip with 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
Ongoing APR
11.99% - 22.99% Variable*
Edited by
Julie Sherrier
Reviewed by
Tracy Brackman
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

Who is the Discover it® chrome best for?

If you eat out frequently, have a long daily commute or are planning an upcoming road trip, the Discover it® chrome offers a solid cashback rate on gas station and restaurant purchases, plus the card matches all of the cash back you earn at the end of your first year of card membership.

However, if you want the opportunity to earn a higher cashback rate and are willing to activate rotating quarterly categories, the Discover it® Cash Back is another Discover credit card that might appeal to you.

Discover it® chrome overview

    • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
    • Earn cash back on your next road trip with 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
    • Redeem your cash back for any amount, any time. Cash rewards never expire.
    • 100% U.S. Based Customer Service available any time.
    • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
    • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
    • No annual fee.
    • Discover is accepted nationwide by 99% of the places that take credit cards.
  • Credit needed:
    670 850
    Excellent/Good
  • Free FICO Score
  • Freeze and unfreeze your card online or in the app
  • Access customer service based in the U.S. 24/7

Intro Purchase APR

0% intro for 14 months

Intro BT APR

0% intro for 14 months

Annual Fee

$0

Regular Purchase APR

11.99% - 22.99% Variable

Cash Advance Fee

see terms

Foreign Transaction Fee

None

Balance Transfer Fee

3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*

Pros and cons

Pros

  • Gas and restaurant rewards
  • Sign-up bonus
  • Intro APR period
  • $0 annual fee

Cons

  • Spending cap on higher cashback rate
  • Other cards may offer higher rewards
  • Balance transfer fee

What we like about the Discover it® chrome

  • Rewards

    Earn cash back on your next road trip with 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically. Purchases made at merchants classified as gas stations and full-service restaurants, cafes, cafeterias and fast-food locations qualify for the higher rewards rate, while those made at warehouse clubs, wholesale distributors and discount stores do not.

    Note that items bought made using third-party payment accounts, tap-and-pay, mobile or wireless card readers, virtual wallets or similar technology may not qualify for the 2% cashback rate.

    Cashback rewards never expire and can be redeemed for statement credits, electronic deposits to your bank account, charitable donations, merchandise or gift cards.

    Just know, there are cashback credit cards available that offer up to 2% cash back or more on every purchase you make.

  • Sign-up bonus

    For new cardmembers, there’s a unique sign-up bonus: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.

    If you max out the $1,000 spending limit each quarter by making $1,000 in gas station and restaurant purchases, you’ll earn $80 cash back on those purchases at the end of the year. Once you factor in the cashback match bonus, that amount jumps to $160.

    Note that after the first year of having the card, the Discover cashback match bonus ends.

  • Intro APR period

    If you have a large amount of high interest credit card debt that you want to transfer or want to finance a large purchase and pay it off over time, you can do so without incurring interest charges for more than a year with the Discover it® chrome.

    The card offers an APR of 0% intro for 14 months on balance transfers. After that, you will be subject to an APR of 11.99% - 22.99% variable on any unpaid portion of your balance.

    There’s also an APR of 0% intro for 14 months on purchases. After, a 11.99% - 22.99% variable APR applies.

  • $0 annual fee

    The Discover it® chrome comes with a $0 annual fee.

What to watch out for with the Discover it® chrome

  • Spending cap on higher cashback rate

    With the Discover it® chrome, cardholders are limited to earning the higher cashback rate to the first $1,000 in combined gas station and restaurant purchases each quarter.

  • Other cards may offer higher rewards

    If you’re a foodie and a road warrior, you should know that the Discover it® chrome is a fine card, but it’s possible to earn higher rewards rates on dining and gas. For example, the Blue Cash Preferred® Card from American Express has a $0 introductory annual fee for the first year, then $95 annual fee and a stellar rewards program: 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 6% Cash Back on select U.S. streaming subscriptions, 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more), 1% Cash Back on other purchases. Terms apply. Cash back can be redeemed as a statement credit.

    To see the rates and fees for Blue Cash Preferred® Card from American Express, please click here.

  • Balance transfer fee

    The Discover it® chrome offers a long balance transfer APR of 0% intro for 14 months, then an ongoing APR of 11.99% - 22.99% variable. However, the card charges a 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*.

    It’s worth noting that a 3% fee is pretty standard on balance transfer cards, and you may still end up saving money compared to what you’d pay in interest charges. Just make sure to do the math and ascertain whether the transfer is worth it for your financial situation.

Alternate cashback card

Compare it with the Discover it® Cash Back

Disclosures |
Discover it® Cash Back
Discover it® Cash Back
on Discover's secure site
0% for 14 months
11.99% - 22.99% Variable APR
$0
5% cash back on everyday purchases at different places each quarter like
  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back in any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • #1 Most Trusted Credit Card according to Investor’s Business Daily.
  • No annual fee.
  • Discover is accepted nationwide by 99% of the places that take credit cards.
680 850

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

If you like most of what the Discover it® chrome has to offer, but want the opportunity to earn a higher cashback rate in a variety of spending categories, you may want to look at the Discover it® Cash Back instead.

The Discover it® Cash Back card offers the same annual fee, cashback match bonus, intro APR on purchases and balance transfers and benefits as the Discover it® chrome. But instead of a flat cashback rate on gas stations and restaurant purchases up to $1,000 per quarter, the Discover it® Cash Back card offers cash back in popular categories that rotate quarterly.

Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate, 1% unlimited cash back on all other purchases - automatically. The quarterly maximum is $1,500, allowing you to earn up to $75 cash back in the 5% categories each quarter. Purchases over $1,500 in the bonus categories earn an unlimited 1% cash back.

With the Discover it® Cash Back card, you have the potential to earn much more cash back each year if you max out the card’s bonus spending limit.

For example, if you make $1,500 in purchases in the 5% bonus category each quarter, you’ll earn $300 cash back in one year. That amount increases to $600 during the first year of card membership once you add in the cashback match bonus. Just remember that you’ll only earn 1% cash back on purchases made outside of the bonus categories and after hit you the $1,500 limit for purchases that earn the higher cashback rate. Additionally, you must opt into the bonus categories each quarter to earn the higher rate on those purchases.

Compare the Discover it® chrome to similar cards

Comparison of four different credit cards
Discover it<sup>®</sup> chrome Discover it<sup>®</sup> Cash Back Blue Cash Preferred<sup>®</sup> Card from American Express Citi<sup>®</sup> Double Cash Card – 18 month BT offer
Discover it® chrome Discover it® Cash Back Blue Cash Preferred® Card from American Express Citi® Double Cash Card – 18 month BT offer
Apply Now
on Discover's secure site
Apply Now
on Discover's secure site
Apply Now
on American Express's secure site
Terms Apply
Apply Now
on Citibank's secure site
Annual Fee
$0 $0 $0 introductory annual fee for the first year, then $95 $0
Welcome Offer
Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match. Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300. $150 back after you spend $3,000 in purchases on the Card within the first 6 months of Card Membership. No bonus
Rewards Rate
Earn cash back on your next road trip with 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically. 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate, 1% unlimited cash back on all other purchases - automatically 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 6% Cash Back on select U.S. streaming subscriptions, 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more), 1% Cash Back on other purchases. Terms apply. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
Intro Purchase APR
0% intro for 14 months 0% for 14 months 0% on purchases for 12 months N/A
Regular APR
11.99% - 22.99% Variable 11.99% - 22.99% Variable APR 13.99%-23.99% Variable 13.99% – 23.99% (Variable)
Intro Balance Transfer Rate
0% intro for 14 months 0% for 14 months N/A 0% for 18 months on Balance Transfers
Regular Balance Transfer Rate
11.99% - 22.99% Variable 11.99% - 22.99% Variable APR N/A 13.99% – 23.99% (Variable)
Balance Transfer Fee
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)* 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)* N/A 3% of each balance transfer; $5 minimum.
Recommended Credit
Excellent/Good Excellent/Good Excellent/Good Excellent/Good
Card Details
Discover it® chrome Discover it® Cash Back Blue Cash Preferred® Card from American Express Citi® Double Cash Card – 18 month BT offer

Is the Discover it® chrome right for you?

If you want to earn cash back on every purchase you make, the Discover it® chrome card and the Discover it® Cash Back are both solid options. But if you spend a large amount on gas and dining each month, the Discover it® chrome card may be the best choice.

On the other hand, if you want the opportunity to earn a higher cashback rate in a broader range of categories that rotate each quarter, such as Uber, PayPal and Amazon.com, the Discover it® Cash Back card can help you do that.

Apply Now
on Discover's secure site