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Discover it® chrome

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The Discover it Chrome card is an easy way to earn some cash back on gas and at restaurants. It has a long introductory APR for purchases and balance transfers, and as an extra incentive, Discover will double the cash back you earn for your first year.

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Our rating
Min. credit level: Good
Annual Fee: $0
Regular APR: 13.49% - 24.49% Variable
Intro Balance Transfer APR: 0% for 14 months
Intro Purchase APR: 0% for 14 months

Discover it® chrome

Our rating
Good Min. credit level
$0 Annual Fee
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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 year

Balance 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 13.49% - 24.49% Variable
Balance Transfer Fee 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
How to Transfer a Balance on a Credit Card

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
Learn About Types of Credit Card Fees

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 26.49% Variable
Cash Advance Fee N/A
How to Get a Cash Advance with a Credit Card
Discover it® chrome

Highlights

  • INTRO OFFER: Discover will match ALL the cash back you’ve earned at the end of your first year, automatically. There’s no signing up. And no limit to how much is matched.
  • Earn 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.
  • 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.
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 website

Speak to Customer Service

1-800-347-3085 or

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See all Issuer Cards

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 13.49% - 24.49% 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.