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Apply online for Discover it® Chrome
About Our Ratings
Credit Needed
Excellent/Good

Discover it® Chrome Review

Pros & Cons

  • New cardholders receive double the cash back at the end of their first year of credit card ownership, which makes it easy to accumulate rewards
  • Discover It® Chrome offers 0% introductory APR for 12 months on purchases or balance transfers
  • Discover it® Chrome does not have an introductory for new cardholders

Top Features

Cashback on Gas
2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter--no sign-ups needed.*
Cashback on groceries
1%
Cashback on other
1%
Purchase APR
11.24% - 23.24% Variable*

Full Review

Curtis Arnold Editor-in-chief

Discover It® Chrome Credit Card Essentials

Discover It® Chrome has evolved into a market leader for cash back incentives. With Discover It® Chrome,  new cardholders have an entire year to take advantage of 2% cash back on purchases and gas stations and restaurants, and 1% cash back on all other purchases, then at the end of year one, Discover It® Chrome will double all the cash back you’ve earned. That means, if you’ve accumulated $300 in cash back throughout your first year of card membership, Discover will double it to $600 automatically.  To sweeten the deal, Discover It® Chrome offers 0% introductory APR for 12 months on purchases or balance transfers.

When it comes time to your redeem cash back rewards, cardholders can choose between a statement credit, a deposit to your bank account, or used instantly on Amazon.com. Discover it® Chrome has no annual fee and offers intriguing cash back rewards. Let us reiterate:

  • Earn 2% cash back in categories that are most popular -- gas stations and restaurants (up to $1,000 in combined purchases each quarter).
  • Earn 1% cash back or more on all other purchases with no cap to what you can receive.
  • Rewards can be redeemed for cash in any amount at any time.
  • Use your Cashback Bonus rewards instantly on Amazon.com.
  • Cash back rewards never expire, even if your account is closed or hasn't been used in 18 months, Discover will credit your account with your cash back bonus balance.

What Our Editors Like Most About Discover it® Chrome

Double Cash Back -- New cardholders receive double the cash back at the end of their first year of credit card ownership, which makes it easy to accumulate rewards.

Easy Ways to Redeem Cash Back Bonuses -- There are several easy ways to redeem cash back bonuses, including a credit to your account, an electronic deposit to your bank account, a donation to select charities, or to pay with Cashback Bonus at select online retailers. Starting with $20, you may also redeem cash back bonuses for gift cards or instant eCertificates from Discover's Partners or for Discover gift cards.

Security Measures to Keep Your Credit Safe -- The card also offers great security measures. Discover offers the ability to freeze your credit card account in seconds by utilizing a simple on/off switch either on Discover's mobile app or website to prevent new purchases. Additionally, Discover offers a $0 Fraud Liability Guarantee so you're never responsible for any unauthorized purchases.

No Late Fees or Overlimit Fees -- There are no late fees for your first payment. Moving forward there is no overlimit fees and a late payment won't raise your APR.

Potential Downsides of Discover it® Chrome

Cash Back Categories Have Caps -- To take advantage of the 2% cash back bonus, purchases need to be made in select categories, in this case gas stations and restaurants. In the first year this program makes a lot of sense, but if you start spending over the $1,000 quarterly caps, it may be wise to look for a rewards card that fits your spending patterns more closely.

Not Everyone Accepts Discover -- Despite being around since the mid-1980s, Discover cards are still not accepted everywhere, but the good news is there are 9.2 million merchants who do accept them today.

No introductory bonus -- Discover it® Chrome does not have an introductory for new cardholders. Some introductory offers like the Chase Sapphire Preferred card offer cardholders mega-points — 50,000 points (or $625 in Travel Rewards) after a cardholder spends $4,000 in the first three months of account opening.

How Discover it® Chrome Compares to Other Cash Back Reward Cards

Discover it® Chrome vs. Blue Cash Everyday® Card from American Express:

Cash back rewards from the American Express Blue Cash Everyday® Card can primarily be redeemed as statement credit, and occasionally as gift cards and merchandise .  While Discover it® Chrome allows for 2% cash back in specific categories Blue Cash Everyday® offer a category where cardholders can receive 3%, and the cap is $6,000 annually which makes it possible for cardholders to earn more points with the American Express card. Additionally, this American Express card offers cardholders $100 in statement credit after they make their first $1,000 in purchases in the first three months — although it’s a small intro offer, it’s more than Discover.  

Discover it® Chrome vs. Citi® Double Cash Card

Both cards offer double the cash back, but while Discover it® Chrome pays cardholders the total amount of cash back they’ve earned throughout first year of card membership only, the Citi® Double Cash Card keeps the double cash back coming for the lifetime of card membership. Citi® Cardholders receive cash back twice with every purchase -- 1% cash back when you make a purchase and another 1% cash back as you pay for those purchases. Citi® doesn't designate rewards categories which means you can earn cash back on every purchase you make.

Discover it® Chrome vs. Capital One® Quicksilver® Cash Rewards Credit Card

There are no restrictions on the types of purchases you can make to earn rewards and categories don’t rotate with the Capital One® Quicksilver® Cash Rewards Credit Card Credit Card. Card holders earn unlimited 1.5% cash back on every purchase. Rewards on this card never expire. Card holders have the opportunity to receive a $100 one-time cash bonus after spending $500 on purchases in the first three months of card ownership.

Who Should Get Discover it® Chrome

If you commute to work on a daily basis, eat out often and shop online to save time, this is a great card for you. Taking advantage of all those cash back perks for purchases you make every month will be a big benefit to the cardholder.

This card compared to other cash back cards

Cashback on Gas
2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter--no sign-ups needed.*
1% When You Buy, 1% As You Pay
Up to 3%
Cashback on Groceries
1%
1% When You Buy, 1% As You Pay
Up to 2% at grocery stores
Cashback on other
1%
1% When You Buy, 1% As You Pay
1%
Purchase APR
11.24% - 23.24% Variable*
13.24% - 23.24%* (Variable) 
13.24% - 23.24% Variable APR on purchases and balance transfers 
Rates and Fees
CardRatings.com Editorial Staff

Discover it® Chrome details

Cashback on Gas
2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter--no sign-ups needed.*
Cashback on groceries
1%
Cashback on other
1%
Purchase Intro
APR:
0% Intro APR on purchases
Period:
for 12 months
Purchase APR
11.24% - 23.24% Variable* 
Annual Fee
$0

What Discover says about this card

  • 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.* 1% cash back on all your other purchases.
  • 0% intro APR* on purchases & balance transfers for 12 months--then a variable purchase APR applies, currently 11.24% - 23.24%. A 3% fee applies to each transferred balance.
  • Freeze ItSM on/off switch lets you prevent new purchases, cash advances & balance transfers on misplaced cards in seconds by mobile app & online.* Plus get 100% U.S. based customer service.
  • Track your recent FICO® Credit Scores for free in one easy-to-read chart on monthly statements & online.*
  • No annual fee.* No overlimit fee. No foreign transaction fee. No late fee on first late payment & paying late won't raise your APR.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text and you're never responsible for unauthorized purchases on your Discover card.
  • Click "Apply Now". *See rates, rewards, FICO® Credit Score terms & other information.

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Special offers
Currently available on the Discover it® Chrome
Discover matches all the cash back you've earned at the end of your first year - automatically.
Only for new cardmembers.*

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Apply online for Citi® Double Cash Card

Citi® Double Cash Card

  • Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • Balance Transfers do not earn cash back
  • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.24% - 23.24% based on your creditworthiness
  • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
  • No categories to track, no caps on cash back, no annual fee*
Credit Needed:
Excellent/Good
Apply online for BankAmericard Cash Rewards™ Credit Card

BankAmericard Cash Rewards™ Credit Card

  • No annual fee
  • $100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • Earn 1% cash back on every purchase, 2% at grocery stores and 3% on gas up to the first $1,500 in combined grocery/gas purchases each quarter
  • No changing categories and no expiration on rewards
  • 0% Introductory APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days, then, 13.24% - 23.24% Variable APR. 3% fee (min $10) applies to balance transfers.
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America(R) checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25%-75%. Click "Apply Now" to learn more about Preferred Rewards
Credit Needed:
Excellent/Good