Discover it® Chrome review

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Advertiser Disclosure

Interest Rate: Purchases
14.24% ‐ 25.24% (Variable) (0% for the first 14 months)
Balance Transfer
14.24% ‐ 25.24% (Variable) (0% for the first 14 months)
Rewards
1 - 2% cashback
Signup Bonus
-


8.4/10
Informr score
The Discover it® Chrome currently has an Informr score of 8.4 out of 10. This score is based on our evaluation of 15 sources including reviews from users and the web's most trusted critics.

Am I eligible?


Discover it® Chrome is typically available to those with good credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

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...


Compare Cards

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.

- Compare Cards
CreditCards.com

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.

- Kelly Dilworth, CreditCards.com
Cardcruncher

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.

- Cardcruncher
Cardcruncher

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 like...

- Ben Luthi, Cardcruncher
Wise Bread

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 Dis...

- Lynn Truong, Wise Bread

Details


Interest Rates
Regular APR Interest Rate 14.24% ‐ 25.24% (Variable) (0% for the first 14 months)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 14.24% ‐ 25.24% (Variable) (0% for the first 14 months)

This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate 27.24% (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 $39.00
  • Maximum
  • No late fee on your first late payment
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
  • Get a dollar-for-dollar of all the cash backs earned at the end of your first year.
  • Your cash back never expires. Redeem in any amount, at any time.
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
Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
More
Additional comments
Terms & Conditions Official Terms & Conditions
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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


Compare Cards

An excellent rewards program, a nice intro APR and very few fees

Compare Cards

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.

Read full review

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.

Read full review

Less

CreditCards.com

An ideal card for social nights out and weekend road trips

from CreditCards.com

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.

Read full review

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.

Read full review

Less

Cardcruncher

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.

Read full review

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.

Read full review

Less

Cardcruncher

Great for gas & restaurants with no annual fee

from Cardcruncher

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.

Read full review

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.

Read full review

Less

Wise Bread

No fuss rewards

from Wise Bread

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.

Read full review

Less

Credible

Will check a lot of boxes for many

from Credible

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.

Read full review

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.

Read full review

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SmartAsset

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.

Read full review

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.

Read full review

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Credit Card Insider

A fairly good offer

from Credit Card Insider

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

Read full review

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

Read full review

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CardRatings.com

Work on a daily basis, eat out often and shop online to save time, this is a great card for you

from CardRatings.com

Discover It Chrome has evolved into a market leader for cash back incentives. With Discover It Chrome, new cardholders have an entire year to take advantage of 2 percent cash back on purchases and gas stations and restaurants

Read full review

Discover It Chrome has evolved into a market leader for cash back incentives. With Discover It Chrome, new cardholders have an entire year to take advantage of 2 percent cash back on purchases and gas stations and restaurants

Read full review

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Bankrate

The first-year rewards match is nice, but not much else appeals here

from Bankrate

For those who spend around $4,000 or less a year on gas and restaurants, the Discover it chrome card offers some decent rewards. If you’re looking to transfer a balance, this may also be a decent card to consider.

Read full review

For those who spend around $4,000 or less a year on gas and restaurants, the Discover it chrome card offers some decent rewards. If you’re looking to transfer a balance, this may also be a decent card to consider.

Read full review

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User Reviews


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