Discover it Chrome Gas & Restaurant Card
in Personal Credit Cards from Discover Bank
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| Purchase APR (Variable APR) | 11.99% - 22.99% |
| Balance Transfer APR (Variable APR) | 11.99% - 22.99% |
| Credit Score Range | 690 - 850 |
| Annual Fee | $0 |
Discover it Chrome Gas & Restaurant Card Review
Discover it Chrome Gas & Restaurant Card is a cashback credit card issued by Discover Bank. If you're wondering whether Discover it Chrome Gas & Restaurant Card is the right card for you, read on. This is everything you need to know to make a good choice.
- 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 14 months, which is longer than the average 0% APR period of 12 months.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 14 months.
- Competitive APRs. Discover it Chrome Gas & Restaurant Card has a variable purchase APR that ranges from 11.99% up to 22.99%.
- No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
- 3% Balance transfer fee. Discover it Chrome Gas & Restaurant Card charges a fee of up to 3% on balance transfers. After the introductory period, the fee is 5%. For example, a balance of $1,000 could cost up to $30 in transfer fees.
- $0 foreign transaction fee. This card does not charge foreign transaction fees, which makes a great credit card to carry with you when traveling abroad.
- Gas rewards.
- Good or better credit required. You should probably try with another card if your credit score is below 690.
| The Good | The Bad |
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Is there a Discover it Chrome Gas & Restaurant Card cash back or rewards program?
Discover it Chrome Gas & Restaurant Card is a cashback card. This means you earn a percentage of your purchase as a cash reward. With Discover it Chrome Gas & Restaurant Card you receive 1% cash back on every purchase. For example, if you buy a $1,000 laptop, you will receive $10 back in cash. However, you can earn up to 2% for purchases in a bonus category.
| Rewards rate (all purchases) | 1% |
| Max rewards rate | 2% |
| Annual rewards limit | N/A |
| Signup Bonus ($) | N/A |
Does Discover it Chrome Gas & Restaurant Card have a signup bonus?
Discover it Chrome Gas & Restaurant Card doesn't offer a cash signup bonus.Does Discover it Chrome Gas & Restaurant Card offer an annual loyalty bonus?
Discover it Chrome Gas & Restaurant Card doesn't offer a cash loyalty bonus.What are the Discover it Chrome Gas & Restaurant Card benefits?
Discover it Chrome Gas & Restaurant Card provides the following benefits:
- ID Theft Protection
- Reports to major credit bureaus
What are the relevant APRs for Discover it Chrome Gas & Restaurant Card?
According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Discover it Chrome Gas & Restaurant Card has lower than average purchase APRs.Discover it Chrome Gas & Restaurant Card has a variable purchase APR that ranges from 11.99% up to 22.99%. The card has a variable balance transfer APR that ranges from 11.99% up to 22.99%. It also has a variable cash advance APR of 24.99% .
The good news is this card does not charge a penalty APR if you are late on a payment.
Does Discover it Chrome Gas & Restaurant Card have an introductory APR offer on balance transfers?
Yes, Discover it Chrome Gas & Restaurant Card offers an introductory APR rate on balance transfers of 0% for a period of up to 14 months.
| Description | |
|---|---|
| Balance Transfer APR | 11.99% - 22.99% |
| Balance Transfer Introductory APR | 0% |
| Balance Transfer Intro APR Period (months) | 14 |
| Balance Transfer Fee % | 3% |
| Balance Transfer Fee % After Intro Period | 5% |
| Balance Transfer Fee Intro Period (days) | N/A |
| Balance Transfer Fee Minimum | N/A |
Does Discover it Chrome Gas & Restaurant Card have an introductory APR offer on new purchases?
This card does offer an introductory APR rate of 0% on qualified purchases for a period of up to 14 months.
| Description | |
|---|---|
| Introductory Rate | 0% |
| Purchase Intro APR Period (months) | 14 |
What are the fees for Discover it Chrome Gas & Restaurant Card?
The following fees apply to Discover it Chrome Gas & Restaurant Card:
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | 0% |
| Returned Payment Fee | up to $40 |
| Late Payment Fee | up to $40 |
Does Discover it Chrome Gas & Restaurant Card have a foreign transaction fee?
Discover it Chrome Gas & Restaurant Card does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.Does Discover it Chrome Gas & Restaurant Card report your account activity to credit bureaus?
Discover it Chrome Gas & Restaurant Card reports your account activity to the following credit reporting agencies:
- Equifax
- Experian
- Transunion
- Innovis
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and can help improve your credit.
How to apply for Discover it Chrome Gas & Restaurant Card
- Visit the Discover it Chrome Gas & Restaurant Card website.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
- If you're denied click here to find out why your application may have been rejected and what you can do about it.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Contact
- Headquarters
-
502 E. Market Street
Greenwood, DE 19950 - (800) 347-2683
- Visit Site
Other Services by Discover Bank
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Washington, DC
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
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- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| Every Purchase (Points) | 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter |
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