Skip to content

Discover it® chrome

Advertiser Disclosure

Credit Card Insider is an independent, advertising supported website. Credit Card Insider receives compensation from some credit card issuers as advertisers. Advertiser relationships do not affect card ratings or our Editor’s Best Card Picks. Credit Card Insider has not reviewed all available credit card offers in the marketplace. Content is not provided or commissioned by any credit card issuers. Reasonable efforts are made to maintain accurate information, though all credit card information is presented without warranty. When you click on any ‘Apply Now’ button, the most up-to-date terms and conditions, rates, and fee information will be presented by the issuer. Credit Card Insider has partnered with CardRatings for our coverage of credit card products. Credit Card Insider and CardRatings may receive a commission from card issuers. A list of these issuers can be found on our Editorial Guidelines.

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.

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
Apply Now Read our Review

Highlights & Features


  • 2% cash back on up to $1,000 spent per quarter, then 1%, at
    • Gas stations
    • Restaurants
  • 1% cash back on all other purchases


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


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


  • 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.


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

Try a different phone number
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.