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Why we like this card: The Discover it® Chrome Card isn’t the most lucrative cash back card on the market. However, it offers an easy-to-manage rewards structure that appeals to those who spend a good amount on groceries and gas each month.
Pros
- 15-month 0% intro APR
- Cash back matching in first year
- No foreign transaction fee
Cons
- Low rewards rate compared to competitors
- Spending caps on bonus categories
Discover it Chrome Card: Overview
APR
- Intro: 0% for 15 months
- Purchase: 17.24%–28.24% variable
- Balance transfer: 17.24%–28.24% variable, plus an intro fee of 3% of the amount of each transfer for transfers that post to your account by January 10, 2024 with the 0% intro APR balance transfer offer described above. After that, 5% of the amount of each transfer.
- Cash advance: 29.99%, plus a fee of either $10 or 5% of the amount of each cash advance, whichever is greater
- Penalty: None
Annual fee: None
Foreign transaction fee: up to $41
The Discover it Chrome Card is a versatile cash back card that offers 2% back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, and 1% unlimited cash back on all other purchases. It comes with a generous 15-month 0% introductory APR, as well as a welcome bonus of $200 after meeting certain spending requirements, making it an attractive option for those looking to make large purchases upfront.
One standout feature of the Discover it Chrome card is the cashback match. At the end of the first year, Discover automatically matches all the cash back earned by new cardmembers, effectively doubling the rewards for the first year. Additionally, the card has no annual fee, making it an affordable option for those who are looking for a basic cash back card.
Discover it Chrome: Rewards
The Discover it Chrome card comes with a fairly straightforward rewards structure:
- 2% cashback bonus at gas stations and restaurants on up to $1,000 in combined purchases each quarter, automatically
- 1% cash back on all other purchases (unlimited)
Additionally, Discover will provide a dollar-for-dollar match of all the cash back you earn at the end of your first year, automatically. There is no limit to how much Discover matches.
How to redeem Discover it Chrome rewards
When you earn cash rewards with the Discover it Chrome card, you have several ways to redeem them.
Get Cash
If you simply want more money back in your pocket, you can choose to deposit any amount of cash back into your bank account or apply to your Discover bill as a statement credit.
Pay With Rewards
Use your cash back rewards to offset purchases. You can apply cash back at checkout on Amazon.com and with PayPal.
Redeem for a Gift Card
Discover lets you swap cash back for gift cards starting at only $5. Plus, you can get an added bonus on every card.
Donate to Charity
If you’d rather use your cash back to make a difference and help a cause that’s close to you, choose to donate your rewards to a charitable organization.
Additional benefits
Besides cash back, the Discover it Chrome comes with some unique perks.
- Free FICO score: See up to a year of recent scores online, plus get information on what factors are impacting your score.
- Online privacy protection: Discover will help you regularly remove your personal information from select people-search websites that could sell your data. The service is free and can be activated with the Discover app.
Is the Discover it Chrome Card right for you?
If a significant portion of your monthly expenses is dedicated to fueling up your vehicle and dining out (or ordering in), this card might suit you well.
Credit cards similar to the Discover it Chrome
If you’re looking for your next cash back card, it’s a good idea to check out a few different options.
Discover it® Cash Back vs. Discover it Chrome
Both the and Discover it Chrome cards come with intro APR periods, a Cashback Match™ welcome offer, and no annual fee. The main difference between the two cards is their rewards structures. The Discover it Cash Back offers rotating bonus categories (including Amazon.com, grocery stores, restaurants, and gas stations) that earn 5% back, which you must select each quarter. The Discover it Chrome, on the other hand, has two permanent categories that automatically earn 2% back. Both cards earn 1% back on all other purchases. If you don’t mind tracking and activating rotating categories and can maximize the 5% cash back categories, the Discover it® Cash Back may be more rewarding.
Capital One Quicksilver Cash Rewards Credit Card vs. Discover it Chrome
The is similar to the Discover it Chrome in that it has no annual fee or foreign transaction fees, offers a 15-month intro APR period on purchases and balance transfers, and comes with a $200 bonus when you meet the spending requirements. However, the Capital One Quicksilver Cash Rewards Credit Card differs in that it offers a flat cash back rate of 1.5% on all purchases. If you want a simple and straightforward cash back card, the Quicksilver may be a good option.
Frequently asked questions
What’s the difference between Discover it and Chrome?
The main difference between these two cards is that the Discover it Cash Back card comes with rotating bonus categories that earn 5% back, while the Discover it Chrome has two permanent categories that earn 2% back automatically.
What is the Discover it Chrome card good for?
The Discover it Chrome card is good for grocery and gas station spending, since those are the two categories that earn a higher cash back rate.
Is the Discover it Chrome secured or unsecured?
The Discover it Chrome is an unsecured credit card.
Please note that card details are accurate as of the publish date, but are subject to change at any time at the discretion of the issuer. Please contact the card issuer to verify rates, fees, and benefits before applying.
