Discover it® chrome

The Discover it chrome is a great card for people with good credit. Differing only slightly from the Discover it®, the Discover it chrome entitles card members to a 2% cash back option in restaurants and on gas, instead of the 5% cash back on rotating categories throughout the year.

There is currently (as of June, 2015) a promotional offer to double the cash back you earn after 1 year of usage, making it one of the most rewarding cards available. This offer is only available to new cardholders and could be discontinued at any time.

Insider Tip: Discover now offers a free credit monitoring service to anyone, even if you’re not a cardholder.
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Quick View

  • Rewards
    • 2% Cash Back on Gas and Restaurants: Up to $1,000 each quarter
    • 1% Cash Back on all other purchases
    • Earn from 5-20% Cash Back when shopping through the ShopDiscover market
    • Discover will double your rewards after the first year of use
    • Rewards can be used directly at Amazon.com
  • Signup Bonus Double all cash back rewards earned after 1 year of usage
  • Chip Technology Chip-and-Signature
  • Foreign Transaction Fee $0
  • Intro Balance Transfer APR 0% for 12 Months
  • Regular Balance Transfer APR 10.99% – 22.99% *Variable
  • Cash Advance APR 25.24% * Variable
  • Penalty APR None
  • Late Fee $0 the first time; up to $35 after that
  • Returned Payment Fee Up to $35

Card Benefits

Check your card's Guide to Benefits to learn the specific benefits your card offers and how to access them. Learn more about credit card benefits here.

Perks

  • Free FICO® Credit Score

    View your FICO score any time you’d like at no cost and without hurting your credit score. Based on your TransUnion credit report.

Account Management

  • Personalize Your Card

    Choose from a number of different designs to personalize your card, including several chrome colors, a variety of designs, and a wide selection of NHL team logos.

  • Pay up until Midnight

    You have up until midnight of the due date to pay your bill, online or by phone.

  • Temporarily Freeze Your Account

    Freeze your account when you lose your card, and unfreeze it when you find it. Use the Freeze button on the Discover website or mobile app, or call customer service.

  • Card Replacement

    Free overnight shipping in the U.S. if you need your card replaced.

  • Spend Analyzer Financial Tool

    Use the Spend Analyzer tool to view your purchases by category and get insights into your spending habits.

Security

  • $0 Fraud Liability Guarantee

    Cardholders are not held responsible for unauthorized purchases on this card.

Shopping

  • Purchase Protection

    Provides coverage against damage or theft, up to $500 per eligible item.

  • Price Protection

    If you find an item you bought being advertised for a lesser price within 90 days of purchase, you can be reimbursed for the difference.

  • Extended Product Warranty

    Adds up to 1 year to a manufacturer’s warranty of 3 years or less.

  • Return Guarantee

    Items can be returned even if the manufacturer won’t take them back, up to $500 and for up to 90 days after the date of purchase.

  • Cash At Checkout

    When shopping at participating locations, you can get cash back immediately by charging an additional amount over your purchase.

Travel

  • Auto Rental Insurance

    Covers rented vehicles against collision damage when the car rental company’s insurance is declined.

  • Flight Accident Insurance

    You and your family are automatically covered on airline flights, up to $500,000.

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