Discover it® chrome Review

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Our Detailed Review of This Card

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The Discover it® chrome card is a smart pick if you’d like to transfer a high-interest balance to a 0% intro APR account for 14 months — plus, you’ll earn cash back rewards on your purchases at the same time.

Discover it® chrome card users will enjoy earning 2% cash back automatically (you don’t have to sign up each quarter!) on up to $1,000 in combined purchases at gas stations and restaurants each quarter and 1% cash back on all other purchases. In addition, Discover will match the cash back you’ve earned at the end of your first year. This is a pretty big deal, and a bonus structure we haven’t seen outside of Discover cards. That means if you earned $250 at the end of year one, you’ll get an extra $250 for a $500 total! The bonus is only offered for the first year and doesn’t apply to future years, but it’s still a pretty nice perk.

The card also features a 14-month 0% intro APR on all purchases and balance transfers. Over a year with zero interest is a decent amount of time to start paying down any balances you transfer over to the card, and maybe even be enough time to pay them off completely. Plus, any purchases you make will be interest-free during the first 14 months. There is a 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*, but that’s likely lower than the interest rates you’re currently paying.

Discover it® chrome card members will also enjoy a free TransUnion FICO® Score on their monthly statement. Even though you won’t receive your Equifax and Experian scores, getting a free TransUnion FICO® Score each month is a great feature and can help you keep track of your credit health. Other card perks include free identity theft protection alerts, no late fee for your first payment and that paying late won’t raise your interest rate. Plus, for the international travelers out there, you’ll pay no foreign transaction fees on your purchases which can help save some money when you’re making purchases outside of the United States. On top of all that, you’ll pay no annual fee.

We recommend Discover it® chrome for those interested in extra cash back at gas stations and restaurants, flat cash back on all purchases and saving on interest fees with a 0% intro APR on balance transfers and purchases.

Rewards

  • Discover matches all the cash back you’ve earned at the end of your first year — automatically. Only for new cardmembers.
  • 2% cash back automatically on up to $1,000 in combined purchases at gas stations and restaurants every quarter — no sign-ups needed.
  • Unlimited 1% cash back on all your other purchases.

Redeem Rewards

  • Rewards are redeemable in any amount at any time.
  • Deposit into your bank account or credit your Discover card account.
  • Pay for your Amazon.com purchases with cash back rewards. $1 cash back = $1 at checkout.
  • Turn your cash rewards into more when you redeem via Apple Pay or for gift cards or eCertificates from over 100 brand-name Partners.

Fees and APR

  • Annual Fee: $0
  • Foreign Transaction Fee: None.
  • Purchase APR: 0% for 14 months, then 14.24% - 25.24% Variable, depending on creditworthiness.
  • Balance Transfers APR: 0% for 14 months, then 14.24% - 25.24% Variable, depending on creditworthiness.
  • Balance Transfer Fee: 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*.
  • Terms and Conditions
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Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author's alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through the credit card issuer Affiliate Program.