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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 matched 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%
Annual Fee
$0

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 match 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 match it -- making your total cashback $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

Cashback Match™ -- New cardholders receive matched 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

While Discover it® Chrome matches cashback earned throughout first year of card membership only, the Citi® Double Cash Card features double cash back 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.
Unlimited 1.5% cash back
1%
Cashback on Groceries
1%
Unlimited 1.5% cash back
1%
Cashback on other
1%
Unlimited 1.5% cash back
5% cash back in categories that change each quarter like gas, restaurants, Amazon and more - up to $1500 every quarter you activate. Plus, unlimited 1% cash back on all other purchases.
Purchase Intro
APR:
0%
Period:
12 months
APR:
0% Intro APR on Purchases
Period:
15 months
APR:
0%
Period:
for 12 months
Purchase APR
11.24% - 23.24% Variable
14.24%-23.24% Variable 
11.24% - 23.24% Variable 
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%
Period:
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. 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.

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Apply online for Chase Freedom Unlimited ℠

Chase Freedom Unlimited ℠

  • NEW! Unlimited 1.5% cash back on every purchase - it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 14.24-23.24%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Redeem for cash - any amount, anytime
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee
Credit Needed:
Excellent/Good
Apply online for Discover it® - Cashback Match™

Discover it® - Cashback Match™

  • You could turn $200 into $400 with Cashback Match(TM). We'll automatically match all the cash back you earn at the end of your first year. New cardmembers only.
  • Earn 5% cash back in new bonus categories like gas, restaurants, Amazon and more - up to $1500 every quarter you activate. Plus, unlimited 1% cashback on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • FICO(R) Credit Scores for free on statements and online.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO(R) Credit Score terms, Cashback Match(TM) details & other information.
Credit Needed:
Excellent/Good