|Highlights||Credit Card Feature|
|Things We Like||Discover's Cashback Match bonus offer|
|Our Least Favorite||Not widely accepted outside of the U.S.|
|Our Verdict||Great card to earn 2% cash back at gas stations and restaurants|
Discover it® chrome is a cash back card for people with good to excellent credit. It lets you automatically earn 2% cash back on up to $1,000 spent on combined purchases at gas stations and restaurants per quarter. You will earn 1% cash back on all other purchases. Discover it® chrome is also a good option if you plan to spend on big ticket items and want interest-free time to pay them off.
Things We Like About Discover it® chrome
No annual fee. There is no annual fee, so all rebates earned are direct savings.
Earn 2% cash back on purchases. You will earn 2% cash back on up to $1,000 spent per quarter in combined purchases at gas stations and restaurants. Unlike many other cash back cards, you do not need to sign-up to a cash back program in order to be eligible to earn this 2% cash back - it's automatic! Earn unlimited 1% cash back on all your other purchases, as well as those exceeding the cap.
Discover matches your first year's cash back. This offer, for new cardmembers only, automatically gives you a match of all the cash back you've earned at the end of your first year.
Cash back never expires and you can redeem your cash back anytime, for any amount.
0% intro APR on purchases and balance transfers for 14 months. If you are planning to make a large purchase on credit, this card has a 0% intro APR on purchases and balance transfers for 14 months and a 14.24% - 25.24% variable APR for both balance transfers and purchases thereafter. A 3% balance transfer fee applies to balance transfers.
Free FICO® Credit Score. This is a great feature since it lets you track your recent credit scores on an easy-to-read chart for free on your monthly statements as well as online. Tracking your credit rating makes it easy to keep tabs on your progress and work towards improving your credit score.
No foreign transaction fee means you won't be charged an additional fee when you shop outside of the U.S. - which is a big plus for those who travel, or shop online internationally.
Security. Transactions are monitored by Discover, and you will be alerted if any unusual payments or transactions are made using your card.
Freeze or unfreeze your account in seconds online or through the mobile app. With the new Freeze It® on/off switch you can freeze your account to prevent new purchases, cash advances and balance transfers, as well as unfreeze it when you wish. This perk can give you a lot of peace of mind if you lose or misplace your card.
$0 Fraud Liability Guarantee. You are never responsible for unauthorized purchases on your Discover card, which could save your financial life if your card or card information is stolen.
100% U.S. based customer service. The call service is 100% based in the U.S. - so you will get help from professionals who speak your language, anytime.
Use your Cashback Bonus at Amazon.com. You can use your rewards to pay directly at Amazon.com's checkout page. Each $1 Cashback Bonus is worth $1 at checkout. When you're ready to check out after shopping on Amazon.com, simply link your Discover card, apply your available Cashback Bonus towards the purchase and click "Apply" to place your order.
Online and mobile. With the online and mobile applications from Discover, you have full control over your card directly from your device or computer. These applications let you easily make payments and even freeze your card if needed.
No late payment fee the first time you pay late. After that, you will have to pay up to $37, so be sure to make your payments on time.
Click "Apply Now" to see rates, rewards, FICO® Credit Score terms & other information.
Our Least Favorite Things About Discover it® chrome
Not widely accepted outside of the U.S.. Although this card has no foreign transaction fee, Discover isn't as widely accepted outside of the U.S. as Visa, MasterCard and American Express. But the Discover payment network is growing fast, and if you travel outside of the US you can also use your Discover card at any merchant or ATM that accepts Diners Club International, Pulse, UnionPay (China), RuPay (India), JCB (Japan), BC Card (Korea) and DinaCard (Serbia).
How Other Cards Compare With Discover it® chrome
|Intro APR:||0% Introductory APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days|
|Regular APR:||16.24% - 26.24% Variable APR|
|Intro APR:||0% Introductory APR on purchases and balance transfers for the first 12 months from account opening|
|Regular APR:||Variable APR of 15.24%, 19.24% or 25.24% will be applied|
|See Rates & Fees|
Discover it® chrome is a solid credit card for cash back savings on purchases at restaurants. It also gives you extra cash back at gas stations, though there are cards that give you a higher rate of cash back when you buy gas.
Discover it® chrome lets you earn good cash rebates and useful benefits for no annual fee. This card gives you a long 0% intro APR on purchases and balance transfers for 14 months, followed by an 14.24% - 25.24% variable APR for both balance transfers and purchases. If you carry a large balance or if you plan on making a big ticket purchase, Discover it® chrome can work well for both.
The 2% cash back earned automatically on combined purchases from restaurant and gas stations (capped at $1,000 per quarter) will bring real savings all year round, but if you want to earn higher cash back in rotating categories then you might want to consider Discover it® Cash Back, (read our review of Discover it® Cash Back) which lets you earn 5% cash back in bonus categories that change every quarter (up to a quarterly maximum of $1,500 spent in combined category purchases each quarter) when you sign up.
This card offer is currently unavailable through GET.com! However, check out our Best Credit Cards