Am I eligible?
To get this card, you must also:
Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.
What the Critics Are Saying...
- Christopher Murray, MoneyUnder30Discover it® chrome is a great option for a lot of people. For one thing, it’s accepted by more than 97 percent of merchants around the country and has excellent customer service. You’ll earn 2% cashback on all gas station and restaurant purchases for the first $1,000 spent per quarter, plus an unli...
- Rachel Morey, The Simple DollarThe Discover it® chrome credit card is a great option for people who want a simple cash-back card. While the 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter is a nice perk (then, 1%), the per quarter limit lessens its value. The year-end cash-back matc...
- Ben Luthi, CardcruncherCompared to other cash-back credit cards that require good credit, the Discover it® Chrome doesn’t provide a lot of value. Sure, you’ll get double rewards on gas and restaurant purchases, but those rewards are capped at an average of $333 a month. Additionally, the card’s base rewards rate will like...
- Compare CardsCardholders won’t have to pay an annual fee and will earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. 1% unlimited cash back on all other purchases - automatically Rewards don’t expire and can be redeemed easily online.
- Kelly Dilworth, CreditCards.comA good card for foodies and commuters, the Discover it chrome credit card features an outstanding sign-up bonus that matches your rewards at the end of the year and a solid bonus on restaurant and gas purchases.
Details
| Interest Rates | |
|---|---|
| Regular APR Interest Rate |
11.99% ‐ 22.99% (Variable) (0% for the first 14 months) This APR will vary with the market based on the Prime Rate. |
| Balance Transfer Interest Rate |
11.99% ‐ 22.99% (Variable) (0% for the first 14 months) This APR will vary with the market based on the Prime Rate. |
| Cash Advance Interest Rate |
24.99% (Variable) This APR will vary with the market based on the Prime Rate. |
| Rates & Fees | |
| Annual Fee | $0.00 |
| Balance Transfer Fee |
5% 3% intro fee |
| Cash Advance Fee |
5% Minimum of $10 |
| Foreign Transaction Fee | $0.00 |
| Over Limit Fee | $0.00 |
| Late Payment Fee |
$40.00
|
| Promotions | |
| Sign up bonus | No |
| Rewards | |
| All Purchases | 1% cash back |
| Restaurants |
2% cash back (on first $4000 spent) On combined purchases with gas each quarter ($1000 per quarter) |
| Gas |
2% cash back (on first $4000 spent) On combined purchases with restaurants each quarter ($1000 per quarter) |
| Groceries | No |
| Hotels | No |
| Travel | No |
| Pharmacy | No |
| Bills | No |
| Additional Details |
|
| Features & Benefits | |
| Additional Card Holders | Yes |
| Travel Accident Insurance | No |
| Car Rental Insurance | No |
| Car Rental Discount | No |
| Extended Warranty | No |
| Purchase Protection | No |
| Zero Liability | Yes |
| No Foreign Transaction Fees | Yes |
| Emergency Assistance | No |
| Concierge Service | No |
| Price Protection | No |
| Fraud Protection | Yes |
| Free Credit Scores | Yes |
| Wireless Payments | No |
| Virtual Cards | No |
| Eligibility | |
| Minimum Security Deposit | $0 |
| Minimum Age | 18 |
| Minimum Personal Income | |
| Temporary Residents | No |
| More | |
| Additional comments | |
| Terms & Conditions | Official Terms & Conditions |
| Suggest a correction |
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.
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Critic Reviews
Excellent cashback rewards program, travel and shopping perks
Discover it® chrome is a great option for a lot of people. For one thing, it’s accepted by more than 97 percent of merchants around the country and has excellent customer service. You’ll earn 2% cashback on all gas station and restaurant purchases for the first $1,000 spent per quarter, plu...More
Discover it® chrome is a great option for a lot of people. For one thing, it’s accepted by more than 97 percent of merchants around the country and has excellent customer service. You’ll earn 2% cashback on all gas station and restaurant purchases for the first $1,000 spent per quarter, plus an unlimited 1% cashback on everything else. If you’ve got a big event or purchase in your near future, the introductory offer will help you out a lot, and the flexible redemption policy will make life easier all around.
A straightforward cash-back card
The Discover it® chrome credit card is a great option for people who want a simple cash-back card. While the 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter is a nice perk (then, 1%), the per quarter limit lessens its value. The year-end cash-back...More
The Discover it® chrome credit card is a great option for people who want a simple cash-back card. While the 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter is a nice perk (then, 1%), the per quarter limit lessens its value. The year-end cash-back match is where this card excels, making it an ideal card for everyday purchases. For those with good to excellent credit who want a straightforward cash-back card, the Discover it® chrome deserves a place on their list of options.
Great for gas & restaurants with no annual fee
Compared to other cash-back credit cards that require good credit, the Discover it® Chrome doesn’t provide a lot of value. Sure, you’ll get double rewards on gas and restaurant purchases, but those rewards are capped at an average of $333 a month. Additionally, the card’s base rewards rate will likely leave you wanting.
Compared to other cash-back credit cards that require good credit, the Discover it® Chrome doesn’t provide a lot of value. Sure, you’ll get double rewards on gas and restaurant purchases, but those rewards are capped at an average of $333 a month. Additionally, the card’s base rewards rate will likely leave you wanting.
An excellent rewards program, a nice intro APR and very few fees
Cardholders won’t have to pay an annual fee and will earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. 1% unlimited cash back on all other purchases - automatically Rewards don’t expire and can be redeemed easily online.
Cardholders won’t have to pay an annual fee and will earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. 1% unlimited cash back on all other purchases - automatically Rewards don’t expire and can be redeemed easily online.
An ideal card for social nights out and weekend road trips
A good card for foodies and commuters, the Discover it chrome credit card features an outstanding sign-up bonus that matches your rewards at the end of the year and a solid bonus on restaurant and gas purchases.
A good card for foodies and commuters, the Discover it chrome credit card features an outstanding sign-up bonus that matches your rewards at the end of the year and a solid bonus on restaurant and gas purchases.
Offers 2% cash back at gas stations and restaurants
The Discover it Chrome Card is a decent option for people who spend a lot on gas and eating out. You'll get 2% cash back on up to $1,000 in these purchases each quarter. All other purchases net you 1% cash back.
The Discover it Chrome Card is a decent option for people who spend a lot on gas and eating out. You'll get 2% cash back on up to $1,000 in these purchases each quarter. All other purchases net you 1% cash back.
No fuss rewards
Like many cash back credit cards, the Discover it chrome Card is ideal for those who want to earn money on their regular spending, specifically for spending on gas and restaurants. For those looking for a reasonable, straightforward cash rewards program for purchases in those two categories, the...More
Like many cash back credit cards, the Discover it chrome Card is ideal for those who want to earn money on their regular spending, specifically for spending on gas and restaurants. For those looking for a reasonable, straightforward cash rewards program for purchases in those two categories, the Discover it chrome card is well worth carrying.
Will check a lot of boxes for many
The Discover it Chrome Card offers a good cash back rate and nice welcome bonus considering it’s annual fee-free, but big spenders may find a card with high rewards rates to be more valuable—and well worth the annual fee.
The Discover it Chrome Card offers a good cash back rate and nice welcome bonus considering it’s annual fee-free, but big spenders may find a card with high rewards rates to be more valuable—and well worth the annual fee.
Best for those who consistently make purchases at gas stations and restaurants
You should feel extremely confident in applying for the Discover it Chrome card, as it ensures that you’re earning cash back for a solid portion of your daily buys. Discover’s matching of your first year rewards total is a unique offer in comparison to other similar cards.
You should feel extremely confident in applying for the Discover it Chrome card, as it ensures that you’re earning cash back for a solid portion of your daily buys. Discover’s matching of your first year rewards total is a unique offer in comparison to other similar cards.
A fairly good offer
It’s a good offer because it lets you earn rewards for free, as long you avoid interest. However, it lacks some of the better rewards and benefits you’ll find on some other cards
It’s a good offer because it lets you earn rewards for free, as long you avoid interest. However, it lacks some of the better rewards and benefits you’ll find on some other cards