Card Details

Regular APR:	13.74% – 24.74% (Variable)
Intro APR (Purchases):	0% for 14 months
Intro APR (Balance transfers):	Starting January 10, 2020 you no longer get 0% intro APR for 14 months from the date of your first balance transfer
Rewards Rate:	Earn 2% Cash Back at gas stations and restaurants on up to $1,000 in combined purchases each quarter Earn unlimited 1% cash back on all other purchases – automatically Discover will match all the cash back you’ve earned at the end of your first year, so your cash back gets doubled
Credit Needed:	(670 – 850) Good/Excellent
Annual Fee:	None
Card Brand:	Discover

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Earn 2% Cash Back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically
Cashback Match: We’ll automatically match all the cash back you’ve earned at the end of your first year. There’s no signing up. And no limit to how much we’ll match
Your cash back never expires. Redeem your rewards in any amount, at any time
Free Social Security number alerts: we’ll monitor thousands of Dark Web sites when you sign up
If you misplace your card, you can freeze your account in seconds on the mobile app or website to prevent new purchases, cash advances, and balance transfers
Easily view your FICO Credit Score on monthly statements, mobile and online for free

Is Discover It Chrome worth it?

Discover It Chrome is a solid card for people who spend a lot on gas and restaurants purchases. Cardholders earn 2% Cash Back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, unlimited 1% cash back on all other purchases, and Discover will match all the cash back you’ve earned at the end of your first year so your cash back gets doubled.

The rewards rate is underwhelming compared to Discover It Cash Back, which by the way offers its own 0% for 14 months on purchases and balance transfers on top of 5% cash back in rotating categories. If keeping it simple is important to you though, and if you spend a lot on gas and restaurants, Discover It Chrome is still a good choice.

Pros

Build your credit
Report to all three major credit bureaus
Earn 2% Cash Back at gas stations and restaurants on up to $1,000 in combined purchases each quarter
Discover will match all the cash back you’ve earned at the end of your first year, so your cash back gets doubled
No annual fee

Cons

Other cards give 1.5% or 2% unlimited cash back on all purchases without a quarterly spending cap – this allows you to earn a lot more cash back

Why 5 Stars?

Regular APR

4 Stars

Intro APR

4 Stars

Fees

5 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	Starting January 10, 2020, you no longer get an intro fee of 3% of the amount of each balance transfer that has posted to your account. It then becomes 5% of the amount of each transfer
Cash Advance Fee	Either $10 or 5% of the amount of each cash advance, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Get Started with Discover It Chrome

Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.

Credit Cards Research:

Best Credit Cards for 2021
These are the best credit cards for 2021.

Best Credit Cards for Excellent Credit
If you have excellent credit, check out these cards. These are the best cards for excellent credit with travel rewards and cash bonuses.

Best Credit Cards to Pay off Debt
The fastest way to pay off credit card debt is by transferring a balance to a 0% APR credit card. These are the best balance transfer cards on the market.