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Discover it® Chrome review

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Advertiser Disclosure

Annual Fee
Interest Rate: Purchases
16.49% ‐ 27.49% (Variable) (0% for the first 15 months)
Interest Rate: Purchases
16.49% ‐ 27.49% (Variable) (0% for the first 15 months)
Balance Transfer
16.49% ‐ 27.49% (Variable) (0% for the first 15 months)
Balance Transfer
16.49% ‐ 27.49% (Variable) (0% for the first 15 months)
1 - 2% cashback
1 - 2% cashback
Signup Bonus
Signup Bonus

Informr score
The Discover it® Chrome currently has an Informr score of 8.2 out of 10. This score is based on our evaluation of 19 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...


This card comes with a great introductory APR offer and affordable interest rates, but leaves much to be desired when it comes to cash back rates and added benefits. While it does earn decent cash back on gas and dining, someone looking for more than low rates and minimal fees may find other cards t...

- Garrett Yarbrough, Bankrate

With many benefits and few downsides, yes, the Discover it® chrome card is a good credit card. The Chrome card comes with no annual fee, no foreign transaction fees, bonus cash back earned in frequent spending categories, and all cash back matched in the first year. The Chrome card is a great card f...

- Jennifer Doss,

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 your first year and a solid bonus on restaurant and gas purchases.

- Kelly Dilworth,

As long as you put minimal effort in, and have some of your spending fall into bonus categories there is no reason to ever choose the Discover it® chrome over the 5% standard Discover it® Cash Back card. Even if your spending habits are on the lower side of things, having the added 5% rotating categ...

- Joe Resendiz, ValuePenguin

Do you take $1,000 roadtrips exactly four times per year and want to earn 2% cash back on the gas and dining expenses each time you do? This might be the card for you. Otherwise, the best use of the Discover it® chrome is as a medium-duration balance transfer card. The card’s cash-back rewards earni...

- Chauncey Crail, Dia Adams, Forbes


Interest Rates
Regular APR Interest Rate 16.49% ‐ 27.49% (Variable) (0% for the first 15 months)

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

Balance Transfer Interest Rate 16.49% ‐ 27.49% (Variable) (0% for the first 15 months)

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

Cash Advance Interest Rate 29.49% (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 $41.00
  • Maximum
  • No late fee on your first late payment
Sign up bonus No
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
Virtual Cards No
Additional Benefits

Online Privacy Protection

Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
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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