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Discover it® chrome


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Your Rating:

3.8/5.0 from 4 Offer Ratings
Over the Past 60 Days!

(4) Over the Past 60 Days!

  • Regular Purchase APR 11.24% - 23.24%* (variable)
  • Intro Purchase APR 0% for 12 Months*
  • Intro BT APR 0% for 12 Months*
  • Annual Fees $0
  • Credit Needed

    Excellent/Good Credit

  • Card Brand Discover

Card Details


  • Discover matches all the cash back you've earned at the end of your first year - automatically. Only for new cardmembers.
  • 2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter - no sign-ups needed. Plus, unlimited 1% cash back on all your other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • FICO® Credit Scores for free on statements and online.
  • No annual fee.
  • Click "Apply Now" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

Card Fees

Late Payment Fees No late fee on your first late payment*

Foreign Transaction Fee None

Balance Transfer Fee 3%

Penalty APR None

Ongoing Information

Rewards Cap 2% reward categories cap at $1,000/quarter*

Rewards Rate 2% cash back at gas stations & restaurants, 1% on everything else

Annual Fee $0

Additional Card Details

$0 Fraud Liability Yes

Auto Rental Insurance No

Extended Warranty Program No

Roadside Assistance No

Purchase Protection No

Travel Assistance No

Flight Accident Insurance No

Lost Luggage Reimbursement No

Concierge Service No

Expert Reviews

From the Editorial Team

The Discover it Chrome credit card comes with everything you wish all credit cards came with – no annual fee, no foreign transaction fees, no overlimit fee, and a free pass the first time you miss a payment! Cardholders get 0% intro APR for 12 months on both purchases and balance transfers, followed by a variable APR of 11.24% - 23.24%*, depending on creditworthiness.

With the Discover it Chrome credit card you can earn 1% cash back on all purchases and 2% cash back in combined gas and restaurant purchases combined, up to $1,000 each quarter. Rewards can be redeemed at any time and never expire. Cardholders can choose to have their cash back rewards credited to their account, donate them to a charity of their choice, or to pay for items from select online retailers. As an exclusive offer, Discover will automatically match all the cash back you've earned at the end of your first year of cardmembership.*

In addition to the host of cash back opportunities, this credit card also offers a free FICO Credit Score on monthly statements, online, and on Discover’s mobile app. Cardholders will also enjoy no fraud liability on unauthorized purchases.  

Expert Reviews of the Discover it® chrome

  • 4.0

    Regular APR

  • 3.0

    Intro APR

  • 4.0


  • 4.0


  • star rating 4.0/5

    Overall Rating

The Bottom Line

The Discover it® chrome credit card has an excellent rewards program, a nice intro APR and very few fees. If you’re trying to earn bonus rewards for restaurant and gas purchases, this card is a great choice!

The Good

Cardholders won’t have to pay an annual fee, will earn 2% cash back on gas and restaurant purchases, and 1% cash back on all other purchases. Rewards don’t expire and can be redeemed easily online.

The Not so Good

The bonus rewards caps out at $1,000 per quarter.

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

Consumer Reviews

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Offer Rating


4 Total Ratings

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3 Star
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1 Star

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