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Discover it® Chrome review

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Advertiser Disclosure

Annual Fee
Interest Rate: Purchases
13.49% ‐ 24.49% (Variable) (0% for the first 15 months)
Interest Rate: Purchases
13.49% ‐ 24.49% (Variable) (0% for the first 15 months)
Balance Transfer
13.49% ‐ 24.49% (Variable) (0% for the first 15 months)
Balance Transfer
13.49% ‐ 24.49% (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 8.1 out of 10. This score is based on our evaluation of 20 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...


Discover it® chrome offers cardholders the opportunity to earn cash back on some of the biggest everyday expenses—gas and restaurants. It’s introductory APR offers and low rates and fees across the board make it an easy-to-use cash back option if you’re dipping your toes into the rewards pool for th...

- Garrett Yarbrough, Nouri Zarrugh, 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,

The Discover it chrome offers simple cash back rewards with no annual fee, but its limited categories and quarterly spending cap mean it may offer much less long-term value than other cash back credit cards. Before you apply, make sure you compare Discover it chrome to other cards with rewards or in...

- Holly Johnson, NextAdvisor

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. Third on the list of uses is as a...

- Chauncey Crail, Dia Adams, Forbes
Credit Card Insider
Credit Card Insider

The Discover it chrome offers excellent first-year rewards on gas and dining thanks to its Cashback Match, along with nice intro rates. But the card isn’t too competitive after that first year.

- Brendan Harkness, Credit Card Insider


Interest Rates
Regular APR Interest Rate 13.49% ‐ 24.49% (Variable) (0% for the first 15 months)

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

Balance Transfer Interest Rate 13.49% ‐ 24.49% (Variable) (0% for the first 15 months)

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

Cash Advance Interest Rate 26.49% (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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