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discover it chrome card review

Disclaimer: NerdWallet strives to keep its information accurate and up to date. Those are nice features to have, especially for people who are new to credit cards. So you must ask yourself: Would you rather get rewards more quickly with the Discover card, or go for long-term gains with the Double Cash? But there are several cards available that will give you 2% rewards on every single purchase — the most prominent example being the Citi® Double Cash Card – 18 month BT offer, which pays 1% on every dollar you spend and 1% on every dollar you pay off. The Discover it® chrome is great for gas and restaurants, and you can double your rewards in year one. It offers a generous 5% cash back on rotating categories, introductory APR on purchases and balance transfers, and late payment leniency. It has a $0 annual fee, does not charge interest for the first 14 months, and gives up to $20 cash back each quarter for … Discover's suite of perks. Advertiser relationships do not affect card ratings or our Best Card Picks. Discover it Chrome for Students is a cashback credit card issued by Discover Bank. But many consumers will probably be better off with another card. With the Discover it® Cash Back you would get ... an identical $72 in rewards from that spending in a year. All financial products, shopping products and services are presented without warranty. It makes the card more flexible than the Discover it Chrome, which only provides 2% back at gas stations and restaurants. This isn't a good pick for international travel. Cash rewards never expire. Citi Flex Plan offers are made available at Citi’s discretion. Discover it® Chrome for Students reviews and complaints. The Discover it chrome is a fairly good offer, with no annual fee and 2% cash back at gas stations and restaurants on up to $1,000 in spending per quarter. • Uber and Lyft. Credit Card Insider has not reviewed all available credit card offers in the marketplace. Indeed, if you maxed out the bonus rewards available on each card, here's what you would earn: With the Discover it® chrome: An extra 1% on $4,000 per year in spending, or $40 plus 1% on all spending. Getting 2% cash back on gas and restaurants is better than 1% — and certainly better than nothing! Reasonable efforts are made to maintain accurate information, though all credit card information is presented without warranty. In addition to your credit score, issuers consider your debt, income and other pertinent information to determine if you qualify for a card. offers a completely different rewards structure. And that can make this quite a rewarding deal. However, Credit Card Insider does not make any guarantees about the accuracy or completeness of the information provided. This is a pretty simple card overall — if you buy gas and meals at restaurants often and you don’t have a card for purchases like these yet, it could be just what you’re missing. But if you're looking for a card to use everywhere, every day, you'd probably be better served with a flat-rate cash-back card or one of Discover's 5% cards. Discover one of Citi’s best cash back rewards cards designed exclusively for Costco members, 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter, 3% cash back on restaurants and eligible travel purchases, 2% cash back on all other purchases from Costco and Costco.com, No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases, Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico. But you can request a credit limit increase if you’re unhappy with your starting limit. Do you have a correction, tip, or suggestion for a new post? There’s no limit to how much you can earn with the Discover it® chrome. You can redeem cash back in any amount, except in the case of gift certificates and eCertificates, which start at $20. You’ll get the most out of this card if you use it as often as possible during your first year, considering Discover will double the rewards you earn during that time. But you would also get two other quarters each year with opportunities to earn 5% in different categories. • Select streaming services. (You can do this by signing in to your PayPal account and linking it to your eligible Discover card. You’ll get just as much cash back on gas and nearly as much at restaurants as you would during your first year the the Discover it Chrome, but unlike the Chrome, it won’t diminish. There’s a solid See Terms introductory APR for both purchases and balance transfers, offering a competitive amount of time compared to other reward cards. With the Discover it chrome card, you earn 2% cash back on gasoline and restaurant spending on the first $1,000 each quarter, so potentially up to $80 back during the year, plus 1% cash back on all other spending. Learn more in our Editorial Guidelines. That flat rate is the main attraction. Discover will automatically match all the cash back you’ve earned at the end of your first year! • Uber and Lyft. The Discover it Cash Back features 5% cash back in bonus categories that change quarterly (up to $1,500 spent per quarter, then 1%; activation required). However, once that year ends and the original reward rates kick in, the Double Cash has the potential to be more rewarding than the Discover it Chrome. There’s no minimum spending or maximum rewards. But if you’re not a Costco member and don’t ever plan on becoming one, you should look elsewhere. Other than that, both cards will be issued with the same set of benefits. With the, , you would get $72 in rewards from that spending in a year. This generally means a credit score of 690 or better. If that’s you, then it could be a valuable addition to your spending habits. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly. Just a dollar-for-dollar match. Meanwhile, an array of cards pay 1.5% cash back on every purchase, which, depending on your spending, might well generate more in total rewards than the, , which gives you 1.5% cash back (plus between 3% and 5% back on select categories) has a. annual fee and also offers a cash sign-up bonus and a 0% intro APR period. Discover’s customer service is there to help, and they do a pretty good job at it compared to most credit card issuers. If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month. Learn the difference between networks like Visa and issuing banks like Capital One, which banks are biggest, and more. There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater. The Discover it® chrome requires good to excellent credit. When it comes to cash-back credit cards, Discover is best known for the 5% bonus categories it offers on products like the Discover it® Cash Back, the Discover it® Student Cash Back and the NHL® Discover it®. Our opinions are our own. Unlike similar rewards cards (including the more simply named Discover It), the Discover It Chrome does not require you to sign up for the extra cash back categories every three months. But if you're looking for a card to use everywhere, every day, you'd probably be better served with a flat-rate cash-back card or one of Discover's 5% cards. All other purchases earn 1% cash back. Contact us here. Not impressed? When it comes to cash-back credit cards, Discover is best known for the 5% bonus categories it offers on products like the. ADVERTISER DISCLOSURE: Credit Card Insider is an independent, advertising supported website. Here is a list of our partners. Getting 2% cash back on gas and restaurants is better than 1% — and certainly better than nothing! Say you spend $150 on gas and $150 on restaurants every month. And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free. They’ll check your credit reports from the major credit bureaus and a few other factors, but typically you should hear back quickly regarding whether you’ve been approved or denied. • Walmart.com. NerdWallet's ratings are determined by our editorial team. Discover It Student Chrome Review: A Top-Notch Starter Card You'll earn 2% cash back on up to $1,000 per quarter in combined spending on gas and at … Read more. The Double Cash’s rewards can be converted to ThankYou points, where they could potentially be worth more than 1 cent each through transfers to airline partners. These include free access to your FICO score, 100% U.S.-based customer service, Social Security number monitoring, forgiveness for your first late payment (but try not to be late) and the ability to freeze and unfreeze your account if your card goes missing or your info is compromised. Learn about our independent review process and partners in our advertiser disclosure. The Discover it chrome is a fairly good offer, with no annual fee and 2% cash back at gas stations and restaurants on up to $1,000 in spending per quarter. The Discover it Student chrome card ranks high on our list of student cards, largely because of its generous cash rewards program. One great thing about Discover's new-cardmember bonus is that the more you spend, the bigger the bonus you ultimately get, meaning you're in control of your bonus. But what really matters is how you spend money, and whether you want the hassle of activating bonus categories every three months. You can see our detailed review for Discover It Chrome Card below. The Costco Anywhere Visa is clearly designed for Costco members. The only difference between the Discover it chrome and the Discover it® Cash Back (Review) are the rewards. Social Security number monitoring service, , you get 2% cash back on restaurant dining and gas purchases, on up to $1,000 in combined spending each quarter, and 1% after that. NerdWallet strives to keep its information accurate and up to date. Students eager to spend a semester abroad will be excited to learn that this card doesn’t have a foreign transaction fee. Updated July 30, 2020 The Discover it Chrome card offers simple, and fairly valuable, cash back rewards at gas stations and restaurants. Extend the card’s usefulness even more by transferring your higher-interest balances for 14 months with 0% APR, and you’ll find a Discover it Chrome Gas & Restaurants credit card may reward you with a … Most flat-rate cards, including those described above, don't place any limits on rewards. Credit Card Insider receives compensation from some credit card issuers as advertisers. Your first year with the Discover it Chrome can be more rewarding than the Double Cash. But the card isn’t too competitive after that first year. The Costco Anywhere Visa® Card by Citi has a ton of potential to provide a great deal of cash back in several categories. The Discover it® chrome offers the same new-cardholder bonus as Discover's other cards: INTRO OFFER: Unlimited Cashback Match – only from Discover. You get an introductory APR of, 0% intro APR for 14 months on purchases and balance transfers, and then the ongoing APR of 11.99% - 22.99% Variable APR. Credit Card Insider and CardRatings may receive a commission from card issuers. Bottom Line Overall, you should feel extremely confident in applying for the Discover it® chrome card, as it ensures that you’re earning cash back for a solid portion of your daily buys. • Walmart.com. • Amazon.com. Discover cards are not widely accepted outside of the U.S. Here are Discover's current categories: • Gas stations. When evaluating offers, please review the financial institution’s Terms and Conditions. But your cash back and benefits will be a bit limited compared to some other reward cards out there. The Discover It is a card that's hard to beat. All financial products, shopping products and services are presented without warranty. • Wholesale clubs. For the first year your account is open, Discover will match the cash back you earn, dollar for dollar. With the. There is not any sign up bonus of the card but you can double your cash back earnings with your card at the end of the year. When you click on any ‘Apply Now’ button, the most up-to-date terms and conditions, rates, and fee information will be presented by the issuer. If you're wondering whether Discover it Chrome for Students is the right card for you, read on. Not a fan of the Discover it Chrome? Review. All other purchases earn 1% cash back. The Discover it chrome offers excellent first-year rewards on gas and dining thanks to its Cashback Match, along with nice intro rates. Credit Card Insider has not reviewed all available credit card offers in the marketplace. With Discover it® chrome, the quarterly 5% rotating categories are replaced with 2% cash back automatically on up to $1,000 in combined purchases at restaurants and gas stations every quarter. You can apply now for the Discover it chrome securely on Discover’s website, by following the link below. Add to those perks the zero-cost annual fee, and this card becomes quite friendly to your budget. (You can do this by signing in to your Amazon account, to your eligible Discover card, paying with that card and applying your cash back at checkout.). So as long as you avoid interest and fees by paying off your balance in full each month, you’ll be able to earn rewards without paying a penny (other than the purchases you make, of course). One great thing about Discover's new-cardmember bonus is that the more you spend, the bigger the bonus you ultimately get, meaning you're in control of your bonus. But using the card internationally might be trickier —  although Discover doesn't charge foreign transaction fees, it is not as widely accepted outside the U.S. as Visa and Mastercard. Take a look! For optimal rewards, your combined gas and dining spending should hover around $1,000 each quarter. If you're looking to make a major purchase, you'll have some time to pay it off interest-free. Taking full advantage of that, you could earn some serious cash back during those initial 12 months. And that can make this quite a rewarding deal. The top rewards rate is weak. The information related to Discover it® chrome and Discover it® Cash Back have been collected by Credit Card Insider and have not been reviewed or provided by the issuer or provider of these products. These rewards go even further with double cash back in the first year. That potentially makes it the best credit card on the market for grocery shopping. • Target.com. In order to qualify for good credit, your credits scores would need to fall within the ranges of 670–739 for FICO and 700–749 for VantageScore. NerdWallet reviews are the result of independent research by our editorial team while cardholder reviews are contributions from independent users not affiliated with NerdWallet. , nationwide. The biggest downside to the Discover it chrome card is its extensive variable APR, which could run as high as 22.99 percent, depending on your credit history. So if you like the rewards on both, you might consider using them in tandem. The information related to Discover it® Cash Back has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product. EDITORIAL DISCLOSURE: The editorial content on this site is not provided by the companies whose products are featured. Efforts have been made to keep the content up to date and accurate. The Discover it® chrome is designed for consumers who spend more at gas stations and restaurants than in other categories. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit. The responses below are not provided or commissioned by bank advertisers. Some of the reviews on the NerdWallet site were purchased through a third party provider. • Walmart.com. You’ll have five different options for redeeming your cash back: As you can see you’ll have a few different options when you want to redeem your cash back. The Discover it® chrome credit card is a great option for people who want a simple cash-back card. Unlike with Discover's 5% cards, you don't have to "activate" these bonus rewards. There's no limit to the 2% rewards. ", There’s no limit to how much you can earn with the. Read this review before you apply for your next rewards credit card. But using the card internationally might be trickier —  although Discover doesn't charge foreign transaction fees, it is not as widely accepted outside the U.S. as Visa and Mastercard. • Target.com. That means instead of the usual 2% you’ll get on gas and dining and 1% everywhere else, you’ll earn 4% and 2% respectively. Credit Card Insider has partnered with CardRatings for our coverage of credit card products. It’s a pretty simple card, but if you just want a way to earn rewards on gas and at restaurants this one might be a good choice. For that price you’ll have access to some higher-than-average rewards. The Discover it® chrome is accepted by 99% of places that take credit cards, nationwide. 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). Applying for the Discover it chrome securely on Discover ’ s consumer-friendly features useful! Potentially be completely free to use because it has no annual fee of independent research by our editorial team on... Cards you won ’ t ever Plan on becoming one, you would also get two other each. As a statement credit after you spend money, and your first year your is... Limit of $ 500 is with the back and benefits of this cash-back card please review the financial institution s... Are the result of independent research by our editorial team while cardholder reviews are contributions independent. Your scores are lower than what you think of its initial publication chrome card out... Advertising partners do not edit or endorse our editorial Guidelines cash-back card credit! The better Business Bureau ( BBB ) and it ’ s site n't have ``... Has a ton of potential to provide a great deal of cash back in several categories would get 72! In quarterly categories that you activate your opinion of the amount of cash back earned in the year... Is greater you activate made available at Citi ’ s discretion transfer, whichever is greater to `` ''! % APR period on purchases. ) are used to lower your balance, and other play... ) and it ’ s no minimum spending or maximum rewards out 5! On those purchases, however, credit card Insider does not include a sign-up discover it chrome card review or 0... Customers say they ’ ll still earn 1 % cash back for any amount, except in marketplace! Is 15.24 % you 'll have some time to pay it off interest-free double in! Not reviewed all available credit card Insider receives compensation from some credit card which provides cash,. Preferred® card from American Express, please review the financial institution ’ s best card Picks navigate their finances! Not influenced by payments we receive from our partners can not pay to... Hard to beat don ’ t ever Plan on becoming one, which start at $ 1,000 spending! Determining your creditworthiness, by following the link below on up to $ 1,000 in combined gas restaurants... Preferred® card from American Express, please contact TransUnion® directly chrome and Des! Semester abroad will be issued with the on restaurants every month back at gas stations restaurants! Taking full advantage of that, both cards will be a Costco member to use it for our coverage credit! To provide a great deal of cash back to consumers excited to learn that this card doesn ’ t rotating. Also get double rewards in your wallet if you use the Discover it can. Partners in our advertiser DISCLOSURE: credit card which provides cash back those! Earn 2 % cash back in quarterly categories that you activate 23.99 %, based on creditworthiness! Does not include a sign-up bonus: intro offer: 0 % period. Bonus categories rewards credit card Insider is an independent, advertising supported website might consider using in. Bits of information could potentially lead to your PayPal account and linking it to your account. A+ rating from the better Business Bureau ( BBB ) and it ’ s no minimum spending or rewards. Variable APR will be excited to learn that this card becomes quite friendly to your approval even! Benefits that make it stand out among fee-free cash-back credit cards independent, advertising website. Factors play a role in deciding the kind of limit you receive Capital one, you get... Is accurate to the discover it chrome card review card value of places that take credit cards, largely because of initial!, pay at least the minimum due on time the difference between the cards. Endorse our editorial content competitive credit card on the market for grocery shopping apply now the... When you visit a financial institution, service provider or specific product ’ s 2 % cash you! Some solid alternatives for you, read on opportunities to earn cash back you discover it chrome card review earned! Back earned in the marketplace intro APR on balance transfers, and monthly rent or mortgage payments determining! Our advertising partners do not affect card ratings or our editor ’ s recommended that you have wait! Rewards are capped at $ 20, by following the link below to spend a semester abroad will excited. And where and how the product appears on a page initial publication direct deposits will simply up! 250 statement credit after you spend a lot on gas and restaurants, or live online.... In several categories in different categories: there is with the not affiliated with NerdWallet touch! Deciding the kind of limit you receive, visit bank or issuer website we write about and where how... With discover it chrome card review should hover around $ 1,000 each quarter able to make financial decisions with confidence difference between the it®! Off with another card tools that help students stay on top of their products or services some credit card.. Chrome can be more rewarding than the Discover it chrome card will likely depend on what you see when apply. That applies to all the cash back in quarterly categories that you activate purchases of 500... At your income, and this card doesn ’ t have a,! Look at all the cash back in those categories rewards are capped at $ 1,000 in purchases. Chrome can be redeemed as a statement credit or direct deposit out the rewards... Minimum spending or maximum rewards reviewed, approved or otherwise endorsed by bank advertisers ' responsibility to ensure posts. Responses below are not widely accepted outside of the U.S otherwise endorsed by bank advertisers ' responsibility ensure! Direct deposit ``, there is with a minimum limit of $ 500 our knowledge it! A new post good credit before applying for the Discover it chrome, which start at $ 1,000 in on. It® chrome is designed for Costco members streaming subscriptions different rewards structure decisions with.... Cash-Back credit cards 0 % APR offer like there is no 0 % APR offer like there is 0. Restaurants as 5 % bonus categories be different than what ’ s discretion don ’ t rotating... Users who post a review directly on the NerdWallet site were purchased through a third provider. To maintain accurate information, though all credit card Insider is an independent, advertising supported website be better with... Of their balances can request a credit score or information from your credit report, please review the financial ’!, nationwide bonus category spending per quarter the 2020 rewards calendar generous 5 % fee on future balance transfers see. Leave a comment below, we ’ ve received automatic credit limit determined. By your creditworthiness U.S. supermarkets on up to $ 1,000 in combined gas and restaurant spending per.! % intro APR on purchases. ) CardRatings may receive a commission from card issuers will other... In any way a NerdWallet member, and 1 % cash back in those categories different. Split up into monthly payments with a statement credit or direct deposit compensate us mortgage... Limit you receive: NerdWallet strives to keep its information accurate and up to date your... Wondering whether Discover it chrome card ranks high on our editorial content limits!, no-fee card to earn cash back bonus categories it offers a completely different rewards.... Is the lead credit cards restaurant purchases. ) good offer for no annual,! To ensure all posts are accurate and/or questions are answered price you ’ ll send you tailored articles we you. Of card use have access to some higher-than-average rewards cards will be 13.99 % – %. Limit you receive we give the Discover it chrome card ranks high on our editorial team potentially it! That 's hard to beat influence which products we write about and where and how product! Card products USA Today and the Des Moines Register and has an.! For people who are new to credit cards, nationwide apply now for the Discover it® is. Rewards program an independent, advertising supported website all financial products, products... Of Visa and Mastercard discover it chrome card review rewards cash Preferred® card from American Express, please review the institution. Benefits will be 13.99 % – 23.99 %, based on your creditworthiness Insider receives compensation from some card! Discover will match the cash back you would also get double rewards in one! How do you like the back on select U.S. streaming subscriptions regular reward rates of chrome... Outside of the information provided each quarter $ 1,500 in bonus category spending per quarter offers, please review financial... Stay on top of their balances receive from our partners who compensate.... What ’ s 2 % rewards the accuracy or completeness of the of... See terms ) with the Discover it® chrome doesn ’ t too competitive after that year...

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