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The Discover it Chrome is a decent option for people with good credit, although it’s not as rewarding as many other cards.
It earns 2% cash back at restaurants and gas stations, on up to $1,000 in combined purchases per quarter (then 1%). And 1% cash back is earned for all other purchases.
Where most cards have an introductory bonus in the form of “spend a certain amount to get a certain reward,” Discover will instead double the total amount of cash back you earn in your first year, a great deal for new cardholders. The extra cash back will be awarded at the end of the first year.
You’ll also get 14 months at 0% interest with this card, for both purchases and balance transfers. A regular rate of 14.24%–25.24% Variable will follow that.
If you have a large balance on another account that’s accruing interest, you can transfer it to this card and get over a year to pay it off at no interest.
There is no annual fee for this card.
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