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- Discover it® chrome
A good no-annual-fee credit card with extra cash back at restaurants and gas stations
- 1%–2% Cash BackRewards Rate
- 17.24% – 28.24% VariableAPR
- $0Annual Fee
- Good–ExcellentRecommended Credit
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The Discover it® chrome Credit Card provides 2% cash back on gas and dining spending, with a $1,000 per quarter spending limit for receiving the 2% cash back reward. All purchases beyond the cap and for other categories get the regular 1% cash back rate.
Additionally, Discover matches the cash back you earn during the first year. For example, if you earn $100 in rewards, you get another $100 as a bonus. You also enjoy a 0% APR for purchases and balance transfers for 15 months from the opening date of the card.
Discover it® chrome Credit Card Overview
The biggest benefit of the Discover it® chrome credit card, according to our review, is the 2% cash back rewards rate for gas and restaurant purchases. Despite its quarterly spending cap of $1,000, it’s simple to earn rewards and redeem them right away.
While the Discover it® chrome card’s overall cash back rate of 1% is less compared to other cards, it’s still good since Discover matches the reward amount you earn during your card’s first year. Below is how to redeem cash back with the Discover it® chrome credit card.
Quick Take
- No annual or foreign transaction fees
- Earn 2% cash back on up to $1,000 in combined spending on bonus categories each quarter
- Bonus categories include restaurants and gas stations
- Earn 1% cash back on all other purchases
- Discover matches the cash back you earn in the first year
- Redeem cash back as statement credit or as a direct deposit into your savings/checking account
- You may also use your cash back to check out at Amazon.com, pay using PayPal, buy gift cards and make charitable donations
- 0% APR for the first 15 months on purchases and balance transfers, 16.99% – 27.99%
- 3% balance transfer fee until October 10, 2023, and 5% after that
- Balance transfers must post to your account by August 10, 2023, for the 0% APR offer to apply
- Overnight card replacement is free
- No penalty APR
Important Card Details
You can earn up to $20 a quarter or $80 a year in cash back rewards on only gas and restaurant purchases with the Discover it® chrome credit card. You get more with the 1% cash back on all other purchases. But, keep in mind the various fees that come with the Discover it® chrome card and how they may affect you.
Regular APR
All your purchases and balance transfers get a 0% APR during your card’s first 15 months. After that, the card’s regular APR depends on your creditworthiness, ranging from 16.99% – 27.99%. For your balance transfers to get the intro APR, they must post by a specified date.
Cash Back Rewards Rate
For your first $1,000 per quarter of gas and dining purchases, you get 2% cash back. After hitting the cap, as with all other purchases, you get 1% in a cash back reward.
Balance Transfer Fee
Your balance transfers that post before the promo end date have a 3% transfer fee. After that, it is 5% of the amount.
Late Payment Fee
You won’t be penalized the first time that you pay late. However, any subsequent late payments have a fee of up to $40.
Additional Benefits
Aside from its cash back rewards, the Discover it® chrome card offers benefits and features that add to its overall value:
- Access to Discover’s mobile app: With Discover’s mobile app, you can redeem your cash back, contact customer support, view your FICO score and make payments.
- Free identity protection alert: You get a free notification if your Social Security number is uncovered on the Dark Web.
- Ability to freeze your card: You can use Discover’s mobile app or website to temporarily disable your card, blocking purchases, cash advances and balance transfers.
- Enjoy outstanding customer service: J.D. Power ranks Discover as the second-best credit card company for customer service among all companies in the United States. It has U.S.-based customer service representatives, available 24/7 through the Discover mobile app, online or over the phone.
How the Discover it® chrome Credit Card Compares To Other Cards
When we compare the Discover it® chrome credit card’s cash back rate of 2% for gas and restaurants and 1% for other purchases to other cards, it’s low. However, that doesn’t mean it’s bad — there are just better cards in the cash back rewards credit card market that also feature a $0 annual fee.
How the Discover it® chrome Credit Card Compares
Discover it® chrome Credit Card
- Cash back rate: 2% on gas and restaurants for up to $1,000 in combined purchases per quarter; 1% on everything else
- Annual fee: $0
- Bonus offer: Matches all the cash back rewards earned during the first year
- Intro offer: 0% APR for 15 months on purchases and balance transfers, then a variable APR of 16.99% – 27.99%
- Best for: People looking for cash back rewards on gas and dining
Wells Fargo Cash Wise Visa Credit Card
- Cash back rate: 1.5% on all purchases
- Annual fee: $0
- Bonus offer: Get a $150 cash rewards bonus after spending $500 in purchases in the first three months
- Intro offer: 0% APR for 15 months on purchases and balance transfers
- Best for: People looking for a simple cash back card
Frequently Asked Questions
sources
- CFPB. "Agreements by ‘Discover Bank." Accessed April 13, 2022.
- Discover. "Discover it Chrome Credit Card." Accessed April 13, 2022.
- J.D. Power. "2021 U.S. Credit Card Satisfaction Study." Accessed April 13, 2022.
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