Discover it® Chrome


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.

Card Quick Facts

Card Quick Facts

  • 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.

Manage My Card

Want to pay a bill or check your balance?

Card Details

Rewards

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
How to Redeem

Introductory Bonus

  • Cashback Match: Get double cash back for the first year, provided at the end of the first year
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee -
Regular Purchase APR 14.24%–25.24% Variable
Intro Purchase APR 0% for 14 months
Foreign Transaction Fee None
Chip Technology Chip-and-Signature
Minimum Credit Limit -
Maximum Credit Limit -
Free Credit Score Yes
Penalty APR None
Late Fee $0 the first time; up to $37 after that
Returned Payment Fee Up to $37
Balance Transfers

Balance Transfers

Intro Balance Transfer APR 0% for 14 months
Regular Balance Transfer APR 14.24%–25.24% Variable
Balance Transfer Fee 3%
Cash Advances

Cash Advances

Cash Advance APR 27.24% Variable
Cash Advance Fee 5%, $10 minimum

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

  • Free FICO® Credit Score

    View your FICO Score 8 any time you’d like at no cost and without hurting your credit score. Based on your TransUnion credit report.

  • Cash At Checkout

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

  • Refer a Friend for a Statement Credit Bonus

    Get a $50 statement credit for every friend who successfully applies for a card using your referral link. Up to 10 per year.

  • Financial Hardship

    Contact Discover’s customer support if you find yourself in a difficult financial situation.

  • 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.

  • 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.

  • $0 Fraud Liability Guarantee

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

  • Fraud Protection

    Your card account will be monitored 24/7 for suspicious activity.

  • Free Social Security Number Alerts

    Get alerts if your SSN is found on any thousands of risky websites.

  • Freeze It

    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.

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