
Rating: 5 Stars
Bottom Line:
Cash Back at Gas and Restaurants
TABLE OF CONTENTS
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
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.
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