Discover it® Chrome Credit Card
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The Discover it® Chrome is a cash back card designed for those who spend on gas and restaurants. It doesn’t have a welcome offer, but it does have Cash Back Match. If you earn $200 in cash back rewards the first year, Discover will match it with another $200. It’s like getting 4% cash back on dining and gas, but only for the first year. After that, you’ll earn 2% and there’s a cap on rewards. The other feature this card has going for it is the 0% introductory APR on purchases and balance transfers for 15 months. We dive into the details and your approval odds in this Discover it Chrome review.
Our Rating
3.8/5.0
Welcome Offer
Cash back Match
Annual Fee
$0
0% Intro on Purchases
15 months
Reward Rate
1% – 2% cash back
0% Intro on Balance Transfers
15 months
Welcome Offer
Get an unlimited dollar-for-dollar match of all the cash back you earn at the end of your first year, automatically.
Editorial Review
Features & Benefits
| Security | EMV Chip Enabled, Zero Liability, Alerts, Card Lock |
| Contactless Payments | Tap to Pay, Apple Pay, Google Pay, Samsung Pay, Garmin Pay |
| Benefits | Free credit score access, 24/7 customer service |
| Travel Perks | None |
Rewards
Interest Rates & Fees
| Annual Fee | $0 |
| Foreign Transaction Fee | None |
| Regular APR | 17.74% to 27.74% (V) APR |
| Balance Transfers | 0% Intro APR for 15 months on balance transfers, then 17.74% to 27.74%(V) APR after that. |
| Balance Transfer Intro Fee | 3% Intro fee on balances transferred by February 10, 2025 and up to 5% fee for future balance transfers will apply. |
| Balance Transfer Fee | Up to 5% |
| Purchases | 0% Intro APR for 15 months on purchases, then 17.74% to 27.74% (V) APR after that. |
What Credit Score Is Required to Get the Discover it® Chrome
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use numerous factors in their underwriting process, and these factors can change at any time.
Lowest Approved Credit Score: 724
Average Approved Credit Score: 724
| App Status | Date | Credit Score | Bureau | Credit Limit |
|---|---|---|---|---|
| Approved | 03/08/2023 | Experian |
Pros & Cons
- No annual fee
- No foreign transaction fee
- Cash Back Match the first year
- No welcome bonus
- High APR
- Requires good credit
What Are the Best Alternatives?
PenFed Platinum Rewards Visa Signature® Card
Rating
4.5
Rewards Range
1x to 5x points
Annual Fee
No Annual Fee
Citi Strata Premier® Card
Rating
4.7
Rewards Range
1x - 10x points
Annual Fee
$95
Wells Fargo Active Cash® Card
Rating
4.9
Rewards Range
2%
Annual Fee
$0