Check It Out Chrome Map Review

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Discover it® chrome
Discover it® chrome
Editor’s note: (3.8/5)
Discover it® chrome
Editor’s note: (3.8/5)
  • Introductory offer:

    Cashback Match™

  • Annual subscription :

    $0

  • Regular APR:

    11.99% – 22.99% variable

  • Recommended credit score:

    670-850 (good to excellent)

Reward rate:

Earn cash back on your next road trip with 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. Earn 1% unlimited cash back on all other purchases – automatically.

NextAdvisor review

Benefits

  • 2% cash back at gas stations and restaurants
  • Double your first year rewards after 12 months
  • 0% introductory APR on purchases and balance transfers
  • No annual fee

The inconvenients

  • 2% capped rewards after $1,000 each quarter
  • The rewards rate is lower than many other cash back cards
  • 3% balance transfer fee until March 10, 2022, then 5% fee

The essential

With the Chrome Discover it card, you can earn 2% cash back at gas stations and restaurants (up to $1,000 in combined purchases per quarter) with no annual fee. Additionally, Discover will double your rewards after the first 12 months through its Cashback Match program.

Additional card details

  • Match Cashback Bonus: Double all the rewards you earn in the first 12 months
  • 0% APR on purchases and balance transfers for 15 months, followed by a variable APR of 11.99% to 22.99%
  • Discover periodically reviews your account to determine eligibility for increased line of credit

Check it out Full Chrome Review

card type

The Discover it Chrome is a credit card with cash back.

Annual fees

This card has no annual fee.

Welcome offer

Discover will automatically match any cashback you’ve earned at the end of your first year through its Cashback Match program.

Awards

Earn 2% cash 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.

Costs

After opening your account, you’ll get an initial APR of 0% on purchases and balance transfers for 15 months, followed by a variable APR of 11.99% to 22.99%. There is a 3% balance transfer fee until March 10, 2022 (5% thereafter).

There are no annual fees or foreign transaction fees. Late payment fees are waived the first time you pay late, but you may incur a fee of up to $40 for late or returned payments afterward.

How to use Discover it chrome

Once you’ve been approved for Discover it chrome, use it for all your gas station and restaurant purchases, at least until you reach $1,000 in purchases each quarter.

In the first year, it can be advantageous to use this card for all your expenses, because you will double the rewards thanks to the Cashback Match at the end of the first 12 months. After that, you’ll only earn 1% cash back on your spend outside of rewards categories.

This card can be a good option if you have a big purchase to make. Not only will you waive interest on new purchases for 15 months (variable APR from 11.99% to 22.99% thereafter), but the Year 1 Cashback Match means you’ll earn double rewards. Don’t forget to pay off the balance before the end of the introductory period, in order to take full advantage of your rewards without incurring interest charges.

You can also use this card to consolidate high-interest debt, since the 15-month 0% interest period also applies to balance transfers. However, be prepared to incur charges on your balance. The Chrome Discover it Card charges a 3% balance transfer fee on balances transferred before January 10, 2022, after which the balance transfer fee can be up to 5%.

When you’re ready to redeem your cash back rewards, you can redeem them for statement credits, gift cards, purchases from Amazon.com, or purchases made with PayPal. Rewards never expire and you can redeem them for any amount at any time.

Check out the chrome card compared to other cards

Discover it® chrome

Discover it® chrome

Editor’s note: (3.8/5)
  • Introductory offer:
  • Annual subscription :

    $0

  • Regular APR:

    11.99% – 22.99% variable

  • Recommended credit:

    670-850 (good to excellent)

Find out® Cash Back

Find out® Cash Back

Editor’s note: (4.7/5)
  • Introductory offer:
  • Annual subscription :

    $0

  • Regular APR:

    11.99% – 22.99% variable

  • Recommended credit:

    670-850 (good to excellent)

Learn more external link icon

Citi® Dual Charge Card

Citi® Dual Charge Card

Editor’s note: (4.4/5)
  • Introductory offer:

    N / A

  • Annual subscription :

    $0

  • Regular APR:

    13.99% – 23.99% (Variable)

  • Recommended credit:

    670-850 (good to excellent)

  • Learn more external link icon On the secure site of our partner

Is discover it chrome right for you?

Discover it Chromium is worth considering for people who want to earn cash back with no annual fee. If you love Discover but don’t want to deal with the rotating quarterly categories of Discover it® Cash Back, this card may be a simpler rewards alternative.

That being said, the 2% cash back you earn on gas and dining with Discover it Chrome isn’t nearly as valuable as the rewards offered by many other cash back credit cards. Not only are your bonus rewards limited to these two categories, but the 2% earning is capped after $1,000 of combined spending per quarter. That’s only $80 earned in the 2% per year categories.

Based on average US spending data, we estimate the first year value of this card to be $376.52, thanks to the Cashback Match bonus. But after that, the value drops to a more modest $188.26.

The Discover it chrome is still a good cash back credit card, but consider other cash back cards that can help you maximize rewards further. A flat-rate cashback card like the Citi® Double Cash Card, for example, offers 2% cash back on every purchase you make (1% when you purchase and 1% when you pay for the purchase), with no cap on expenses.

Before applying, be sure to compare Discover it Chrome to other cards with rewards or introductory periods that may better match your spending habits and goals.

*All information about the Citi® Double Cash Card has been independently collected by NextAdvisor and has not been reviewed by the issuer.

Frequently Asked Questions

Is Discover it Chromium good for building credit?

This card is not for people with bad credit or no credit history, but like any credit card, you can use it to build credit by making full payments on time each month. However, to have the best chance of qualifying for this card, you will need at least a good credit score (670 or higher).

Does Discover it chrome charge foreign transaction fees?

Discover it chrome does not charge foreign transaction fees.

How to redeem rewards with Discover it chrome?

Redeem your Discover it chrome rewards through your online or mobile account for statement credits, gift cards, purchases made through Amazon.com, Paypal purchases or charitable contributions.

Eleanor C. William