Discover it® Chrome review

This card has evolved into a market leader for cash-back rewards. Cardholders can take advantage of bonus cash back on eligible purchases at gas stations and restaurants, up to the quarterly limit.

Written by
Jennifer Doss
Why you should trust CardRatings
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Rewards Card

Discover it® Chrome

  • Rewards
  • Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
  • Welcome Bonus
  • Discover will match all the cash back you've earned at the end of your first year.
  • Annual Fee
  • $0
card_name
5.0
Credit Score: Excellent, Good
Terms and Limitations Apply

Key Features

Editor Analysis:

Pros
  • New cardholders receive a match on all the cash back earned at the end of their first year of credit card ownership, which makes it easy to accumulate rewards.
  • This card offers a intro_apr_rate,intro_apr_duration intro_apr_duration on purchases and a balance_transfer_rate balance_transfer_duration_months on balance transfers (then, RegAPR).
  • If you're in a bit of a crunch come payment time, rest easy; Discover won't charge you a fee on your first late payment. Paying late also will not increase your APR.
Cons
  • card_name offers 2% back at restaurants and gas stations on up to $1,000 in combined purchases quarterly, but if you spend more than that on gas or eating out, you could likely realize more rewards with a card that offers a higher cap.

card_name rewards

With cash back earned in popular everyday spending categories and no annual fee, the CardName card has evolved into a market leader for cash back incentives. With the Chrome card, cardholders earn 2% cash back on combined purchases at gas stations and restaurants (on up to $1,000 in combined purchases each quarter), and 1% cash back on all other purchases. And for new cardholders, the card_name will match all the cash back you’ve earned in the first year of card ownership, at the end of the year.

That means if you’ve accumulated $300 in cash back throughout your first year of card membership, Discover will match it – making your total cash back $600 – automatically. To sweeten the deal, this card offers offers a intro_apr_rate,intro_apr_duration intro_apr_duration on purchases and a balance_transfer_rate balance_transfer_duration_months on balance transfers (then, RegAPR).

card_name benefits

Cash back redemption options

Unlike many cash back rewards cards on the market, the card_name card’s cash back never expires and has many flexible cash back redemption options. The flexibility to redeem your cashback rewards for cash at any time, and in any amount is a huge benefit of the card. You can also use your rewards at Amazon.com checkout, using the Pay with Points feature. Other ways to redeem your cash back bonuses include a credit to your account, an electronic deposit to your bank account, or a donation to select charities.

Security features

The card_name card also offers some great security features. 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. Discover also offers a $0 Fraud Liability Guarantee so you’re never responsible for any unauthorized purchases. The Chrome card also comes with the ability to activate free alerts that notify you if your social security number is found on any of thousands of Dark Web sites.

card_name foreign transaction fees

Having no foreign transaction fees is a feature that you will normally find in luxury travel rewards credit cards that also have premium annual fees. The card_name card is one of the few no-annual-fee cash-back rewards cards that has no foreign transaction fees. What this means is when you are traveling internationally, you can use your Chrome card and you won’t be on the hook for additional fees on foreign transactions.

Oftentimes cards will have a foreign transaction fee of around 3% on any international purchases made. So if you were to spend $5,000 while abroad, you could end up shelling out around $150 on foreign transaction fees with a different card, or you could save that money by using the card_name card instead.

card_name potential downsides

While CardName is a good no-annual-fee option if you spend a decent amount on gas and at restaurants, these cash back categories have caps, so this might not be the card for you if you spend exuberantly in these categories each quarter. Because of the match offer, this card has a lot to offer during your first year as a cardholder, 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.

Another thing to look out for: 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 millions of merchants who do accept them today and that number is growing both domestically and internationally.

card_name credit score requirements

The CardName requires good to excellent credit to get approval, but other factors are considered in the application process as well, including payment history of revolving credit, your total open cards, and the average age of accounts open.

The credit agency Experian considers a good FICO score anything that’s above 670, but having a score above 740 or even 800 may further increase your chances of approval. Please note though that these numbers can vary between different bureaus.

If you have limited credit history or are currently building your credit, getting approved for the card_name card may be difficult.

How do cardholders rate the card_name?

CardRatings conducts a survey annually to learn what actual cardholders think of their cards. Here are the results for the CardName:

  Current Scores Past Scores
Overall Score 81.1 86.5
Features Satisfaction 8.1 8.4
Customer Service 8.1 8.9
Website/App Usability 7.2 8.8
Likelihood of Continuing to Use 8.7 9.1
Recommend to a Friend/Colleague 8.2 8.5
*Scores above reflect the results of surveys with actual cardholders. Full methodology below.

How card_name compares to other credit cards

card_name vs. card_name

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If you are looking for a no-annual-fee card with more cash back earning potential, the CardName card is a great alternative to the card_name card. card_name earns 5% cash back in rotating categories (such as gas stations, grocery stores, restaurants, and online shopping) each quarter (up to the quarterly maximum of $1,500 spent each time you activate) as well as 1% cash back on all other purchases. This is much higher than the Chrome card’s 2% cash back earned at gas stations and restaurants (on up to $1,000 in combined purchases each quarter), and 1% cash back on all other purchases.

Like the card_name card, card_name matches all cash back earned in the first year for all new card members. That means that all that 5% cash back earned in the rotating quarterly categories is essentially equal to 10% cash back in those categories for your first year. Both cards also have flexible redemption options and no foreign transaction fees. card_name has balance_transfer_rate intro_apr_duration on purchases and balance transfers, then RegAPR.

card_name vs. card_name

discontinued

For straightforward cash back earning on all purchases and a solid new cardholder bonus, the CardName is worth your consideration. The Quicksilver card earns 1.5% cash back on every purchase, so you won’t have to worry about opting in to rotating quarterly categories or having to keep track of tiered earnings. While this is lower compared to the card_name‘s tiered earning of 2% on gas and restaurants, the Quicksilver card doesn’t have caps on cash back earnings. The Chrome card only earns 2% on up to $1,000 in combined gas and restaurant purchases each quarter, after which you will only earn 1% cash back.

The no-annual-fee Quicksilver card also has a one-time welcome offer for new cardholders of $200 after spending $500 on purchases during the first three months of card membership, and 0% intro APR on purchases and balance transfers for 15 months (then, RegAPR; balance transfer fee applies).

Is card_name a good credit card?

With many benefits and few downsides, yes, the CardName card is a good credit card. The Chrome card comes with no annual fee, no foreign transaction fees, bonus cash back earned in frequent spending categories, and all cash back matched in the first year. The Chrome card is a great card for even the occasional credit card user, but may not be an ideal fit for someone who spends excessively in the gas and restaurant categories since there is a quarterly cap on the 2% earning rate.

Frequently asked questions

No, card_name does not have an annual fee.
Discover does not state a specific number requirement for the card_name, however, they do state that good to excellent credit is required. Other factors such as payment history, your total number of accounts, and the average age of accounts open could also factor into the consideration process.

Our Methodology

Survey methodology: CardRatings commissioned Op4G in September 2023 to conduct surveys among 1,869 cardholders nationwide. CardRatings website analytics from Jan. 1, 2023-Aug. 31, 2023 were used to determine a selection of the most popular cards and additional cards were included to add survey breadth. Responses to each of nine questions were given on a scale of 1-10 and respondents’ scores were then averaged under broad topics. To determine the overall score, responses from questions 1-8 were summed and the answer to “How likely are you to recommend this card to a friend, coworker or family member?” was double weighted. Current Scores reflect scores from the most recent survey (2023); “Past Scores” reflect scores from the 2022 survey.

Disclaimer:The information in this article is believed to be accurate as of the date it was written. Please keep in mind that credit card offers change frequently. Therefore, we cannot guarantee the accuracy of the information in this article. Reasonable efforts are made to maintain accurate information. See the online credit card application for full terms and conditions on offers and rewards. Please verify all terms and conditions of any credit card prior to applying.


This content is not provided by any company mentioned in this article. Any opinions, analyses, reviews or recommendations expressed here are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any such company. CardRatings.com does not review every company or every offer available on the market.


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