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Discover it® Chrome review

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Advertiser Disclosure

Annual Fee
$0.00
Interest Rate: Purchases
17.24% ‐ 28.24% (Variable) (0% for the first 15 months)
Interest Rate: Purchases
17.24% ‐ 28.24% (Variable) (0% for the first 15 months)
Balance Transfer
17.24% ‐ 28.24% (Variable) (0% for the first 15 months)
Balance Transfer
17.24% ‐ 28.24% (Variable) (0% for the first 15 months)
Rewards
1 - 2% cashback
Rewards
1 - 2% cashback
Signup Bonus
-
Signup Bonus
-


8.3/10
Informr score
The Discover it® Chrome currently has an Informr score of 8.3 out of 10. This score is based on our evaluation of 22 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...


Bankrate
Bankrate

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
The Ascent
The Ascent

Features the typically impressive slate of Discover card perks, but without the big bonus cash back.

- Lyle Daly, The Ascent
Forbes
Forbes

The best use of the Discover it® Chrome is as a medium-duration balance transfer card. The Discover it® Chrome balance transfer offer could help cardholders buy a little extra time to pay down debt, but there are cards out there with longer intro APR periods. Also, the card’s cash-back rewards earni...

- Chauncey Crail, Dia Adams, Forbes
FinanceBuzz
FinanceBuzz

The Discover it Chrome is great for individuals who spend considerable money at the gas pump or eating out each year. Purchases at gas stations and restaurants (up to $1,000 in purchases each quarter) net 2% cash back. With rewards capped each quarter, though, Discover it Chrome is not ranked among...

- Kevin Payne, FinanceBuzz
Money Crashers
Money Crashers

Discover it® Chrome has a nice 2% cash back bonus for frequent restaurant and gas station shoppers. However, its $1,000-per-quarter 2% category spending limit is a bit low. If spend heavily at restaurants and gas stations, you’re likely to blow through that limit pretty quickly. But that doesn’t mea...

- Brian Martucci, Money Crashers

Details


Interest Rates
Regular APR Interest Rate 17.24% ‐ 28.24% (Variable) (0% for the first 15 months)

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

Balance Transfer Interest Rate 17.24% ‐ 28.24% (Variable) (0% for the first 15 months)

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

Cash Advance Interest Rate 29.99% (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 $41.00
  • 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
Virtual Cards No
Additional Benefits

Online Privacy Protection

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