Discover it® Chrome
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Highlights & Features
Rewards
- 2% cash back on up to $1,000 spent per quarter, then 1%, at
- Gas stations
- Restaurants
- 1% cash back on all other purchases
INTRODUCTORY BONUS
Cashback Match: Get double cash back for the first year, provided at the end of the first yearBalance Transfers
A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest.
| Intro Balance Transfer APR | 0% for 14 months |
| Regular Balance Transfer APR | 13.74%–24.74% Variable |
| Balance Transfer Fee | 3% intro balance transfer fee (5% on later balance transfers) |
Fees
| Penalty APR | N/A |
| Late Fee | $0 the first time; up to $39 after that |
| Returned Payment Fee | Up to $39 |
| Additional Cards Annual Fee | N/A |
| Foreign Transaction Fee | None |
Cash Advances
Borrowing cash on your credit card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.
| Cash Advance APR | 26.74% Variable |
| Cash Advance Fee | 5%, $10 minimum |
Discover it® Chrome
Highlights
- Cashback Match: Double all the cash back you’ve earned at the end of your first year automatically.
- 2% cash back on up to $1,000 in combined purchases at restaurants and gas stations every quarter, then 1% back; 1% cash back on all your other purchases.
- 0% intro APR on purchases & balance transfers for 14 months, then a variable purchase APR applies, currently 14.24%–25.24%.
- Free FICO® Credit Score on statements, online & by mobile app.
- 100% U.S.-based service.
- No annual fee. No overlimit fee. No foreign transaction fee. No late fee on first late payment & paying late won’t raise your APR.
- Each Discover purchase is monitored, and you’re never responsible for unauthorized purchases on your Discover card.
ABOUT THE ISSUER
Discover
Discover has several card types depending on your needs.
Manage your Account & Pay your Bill
You can usually pay your bill online on your
Credit card issuer's websiteThe 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 13.74%–24.74% 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.
