MoneyGeek’s Take

Discover it Chrome Credit Card Review

If you want cash back rewards on gas and restaurant purchases, the Discover it Chrome credit card is a straightforward card for those purchases. And MoneyGeek’s review of the Discover it Chrome credit card found its introductory 0% APR offer makes it a good financing option for large purchases.

Last Updated: 5/30/2022
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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.

Card Details to Know Up Front
  • Bonus, Fee or Feature
    Has or Not
  • Has Annual Fee
  • Has Balance Transfer Offer
  • Has APR Offer
  • Cash Back Rewards
  • Travel Rewards
Click to see this card’s rates, fees and how they compare to other cards in our dataset.
OUR REVIEW AT A GLANCE

Discover it Chrome Credit Card at a Glance

With the Discover it Chrome credit card, you earn 2% cash back on gas and restaurant purchases. The 2% rate applies to those purchases up to a combined $1,000 per quarter. All other purchases get the 1% standard cash back rate. And the Discover it Chrome card’s cash back match feature doubles the card’s rewards potential during the first year.


  • Discover It Chrome Credit Card

    A good no-annual-fee credit card with extra cash back at restaurants and gas stations

    • Good-ExcellentCredit Needed
    • $0Annual Fee
    • 1%-2% Cash BackRewards Rate
    • 2xRewards Rate on Dining
    • 2xRewards Rate on Gas

    Terms, rates and fees apply

    Compare this credit card with other top-rated credit cards.

Pros & Cons Explained

Before deciding if the Discover it Chrome card is a good cash back card for your needs, look over the pros and cons in MoneyGeek’s review. See if its benefits make up for its drawbacks or if you’re better off with a different card that gives you extra cash back for gas and restaurant spending.

Pros

  • Benefits
    Description
  • Simple cash back rewards
    All purchases made using the Discover it Chrome card get a 1% cash back reward, with no spending cap. But, the cash back rate is 2% for the first $1,000 per quarter in gas and dining purchases. The rewards do not expire, and they are easily redeemable at any amount.
  • Cash back match for the first year
    Discover matches the cash back you earn on your first 12 billing cycles — automatically. For example, if you earn $200 in rewards, you get an additional $200. That also applies to redeemed rewards, and there’s no limit on the rewards you can earn.
  • No annual fee
    The Discover it Chrome card doesn’t charge an annual fee.
  • Intro APR offer
    You get to enjoy 0% APR on all purchases and balance transfers with the Discover it Chrome credit card for 15 months from account opening. For balance transfers to qualify, they need to post by a specific date. For example, the promo as of May 1, 2022, required a posting date no later than July 10, 2022. Once the introductory period ends, your APR is 12.24%–23.24%, based on your creditworthiness.

Cons

  • Drawbacks
    Description
  • Other cards offer higher reward rates for gas and restaurants
    Similar cards offer bigger cash back rewards on gas and dining purchases. Plus, you could find a card that gives 2% back on all categories.
  • Bonus categories have a spending cap
    You only get 2% cash back for a combined spending of $1,000 per quarter on gas and restaurants. After that, you only get the regular 1% cash back rate.
  • Not good for international travel
    You don’t have to pay foreign transaction fees with the Discover it Chrome card. However, Discover isn’t widely accepted outside the United States.
  • Requires good or excellent credit
    To qualify for the Discover it Chrome credit card, you need a good or excellent credit score.
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LOOKING FOR THE BEST CREDIT CARDS OF 2022?

Every month, MoneyGeek ranks credit cards in our database and chooses the best for popular categories, such as cash back. While the Discover it Chrome card isn’t on our best-of list, you can see our picks for the best cash back rewards cards of 2022.

Bonuses & Rewards Explained

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.

1

Cash

Deposit your cash back amount into your bank account or apply it as a statement credit.

2

Pay with rewards

Use your cash back to pay an Amazon or PayPal purchase.

3

Gift cards

Convert your cash back to a gift card (you need a minimum of $5 to do this).

4

Charity donation

You can donate to a charity the cash back reward amount you earn.

Other Features Explained

Aside from its cash back rewards, the Discover it Chrome card offers benefits and features that add to its overall value:

  • Card Feature
    Description
  • 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.
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MONEYGEEK QUICK TIP

With its introductory 15-month 0% APR on purchases, you can use the Discover it Chrome card for an upcoming major purchase. That way, you can make payments on it for up to 15 months and avoid interest, even though you’re financing the amount. But remember, interest kicks in after 15 months, so schedule a payment plan that guarantees pay off before then if possible.

Understanding the Fine Print

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.

  • Card Feature
    Amount or Rate
  • APR
    11.99% - 22.99%
  • Annual Fee
    $0
  • Cash Back Rewards
  • Rewards Rate
    1%-2% Cash Back
  • Airline Benefits
  • This is an icon

    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 12.24% to 23.24%. For your balance transfers to get the intro APR, they must post by a specified date.

  • This is an icon

    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.

  • This is an icon

    Balance Transfer Fee

    Your balance transfers that post before the promo end date (as of May 1, 2022, July 10, 2022) 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.

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WHERE TO FIND THIS INFORMATION?

If you’re comparing the Discover it Chrome credit card with other cash back cards, carefully study its cash back rates and spending caps. If you already have a cash back card, you can find its information on your billing statement or the provider’s website. To know more, visit the Consumer Financial Protection Bureau (CFPB) credit card agreement database .

Who Should & Shouldn’t Consider Discover it Chrome Credit Card?

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Other Considerations for Discover it Chrome Credit Card

MoneyGeek’s Discover it Chrome credit card review found it’s a good card for cash back rewards on gas and dining purchases. However, whether you use it as your only card or as an additional card in your wallet can help you decide if you should apply.

Things to Consider if This Will Be Your First or Only Credit Card

The Discover it Chrome card provides 1% cash back on all your purchases. The big perk is 2% for your first $1,000 on gas and dining; then those expenses earn 1% like everything else. If you intend to use it as the only credit card in your wallet, think carefully if the spending cap is enough for your needs. You might want to consider another card that offers a higher bonus percentage or regular cash back rate or larger spending cap.

If you plan to spend time abroad, the Discover it Chrome card won’t be the best card in your wallet. While it doesn’t charge foreign transaction fees, it’s also not widely accepted outside the United States. Also, you may find it difficult to secure approval if you want to get the Discover it Chrome card as your first credit card since it requires good to excellent credit to qualify.

Things to Consider if This Will Be an Additional Card in Your Wallet

Since the Discover it Chrome credit card doesn’t have an annual fee, MoneyGeek recommends it as a secondary card. You can pair it with other rewards cards to take advantage of its 2% rate on gas and dining up to the $1,000 quarter limit. Then, you can use your other card for those and other categories or after you reach the limit to get a higher cash back rate.

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WHY TRUST OUR REVIEWS:

MoneyGeek follows a rigorous methodology when reviewing credit cards. We independently collect data from the Consumer Finance Protection Bureau database. We also standardize data points, use an average spend profile, factor in introductory and annual bonuses and many others. With constantly changing offers, our team regularly revisits our guides to ensure they are still accurate and relevant.

How 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.

Quick Comparison of the Discover it Chrome Credit Card
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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
  • Best for: People looking for cash back rewards on gas and dining
creditCard1

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

Other Helpful Decision-Making Q&As

As part of MoneyGeek’s Discover it Chrome credit card review, we included answers to frequently asked questions about this cash back rewards card that gives 2% for gas and restaurants. We hope they help you decide if it’s the right card for you.

Still not sure about this card? Consider these options.

Still unsure if the Discover it Chrome credit card is right for you? You could consider options for people with fair credit. Or you can check out other rewards cards.

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*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity.
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