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  Discover it Chrome Gas & Restaurant Card

Discover it Chrome Gas & Restaurant Card

in Personal Credit Cards from Discover Bank

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Discover it Chrome Gas & Restaurant Card

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in Personal Credit Cards from Discover Bank

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Highlights
Highlights
Balance Transfer APR  (Variable APR) 14.24% - 25.24%
Credit Score Range 690 - 850
Annual Fee $0
Purchase APR  (Variable APR) 14.24% - 25.24%

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 of 0% 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 of up to 25.24%.
  • No annual fee. This is a great options for people looking for a low-maintenance rewards card. It gives rewards on your purchases but you don't have to pay an annual fee for the privilege.
  • $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
  • The double cash-back offer means Discover matches your first year’s cash-back earnings dollar-for-dollar and automatically awards it at the end of 12 months.
  • Lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 14 months.
  • 0% APR on new purchases during the first 14 months.
  • No annual fee.
  • Has an introductory APR rate on balance transfers of 0%.
  • No foreign transaction fee.
  • Earn rewards on every purchase.
  • Discover it Chrome Gas & Restaurant Card reports to multiple credit bureaus.
  • Cardholders can earn rewards on their purchases.
  • Free access to your credit score.
  • Requires good to excellent credit.
  • Does not offer a signup bonus.

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.

Discover it Chrome Gas & Restaurant Card Rewards
Rewards rate (all purchases) 1%
Max rewards rate 2%
Annual rewards limit N/A
Signup Bonus ($) N/A
Signup Bonus Spend Requirement $0

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:

  • Free Credit Score
  • Zero fraud liability
  • 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 14.24% up to 25.24%. The card has a variable balance transfer APR that ranges from 14.24% up to 25.24%. It also has a variable cash advance APR starting at 27.24% .

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.

Discover it Chrome Gas & Restaurant Card Balance Transfers
Description
Balance Transfer APR 14.24% - 25.24%
Introductory Rate 0%
Balance Transfer Intro APR Period (months) 14

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.

What are the Discover it Chrome Gas & Restaurant Card fees?

The following fees apply to Discover it Chrome Gas & Restaurant Card:

Discover it Chrome Gas & Restaurant Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 0%
Balance Transfer Fee 3%
Returned Payment Fee up to $37
Late Payment Fee up to $37

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 score.

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.

SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  Available in 50 states and Washington, D.C.
  • 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
  • Ohio
  • 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
Foreign Currency Transaction Fee 0%
No Annual Fee  
No Foreign Transaction Fee  
Annual Fee $0
No Interest Grace Period for Late Payment 25
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Starting at 5%
Minimum Cash Advance Fee ($) Starting at $10
Minimum Interest Charge $0.50
Returned Payment Fee Up to $37
Balance Transfer Fee % 3%
Late Fee Amount Up to $37
Customer Type Personal
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Card Type
  • Balance Transfer
  • Bonus Offers
  • Cashback
  • Gas
  • Rewards
  • Zero Percent
Card Network
  • Discover
Credit Bureau Reporting
  • Equifax
  • Experian
  • Innovis
  • TransUnion
Fraud Liability  
Credit Card Benefits
  • Fraud Liability
  • Free Credit Score
  • Identity Theft Protection
Free FICO Score  
Bonus Rewards We'll match all of the cash back you've earned at the end of your first year, automatically.
No Reward Expiration Period  
Rewards Categories
  • Every Purchase
  • Gas
  • Restaurants
Rewards Type Cash Back
Cash Advance APR (Variable APR) Starting at 27.24%
Purchase APR (Variable APR) 14.24% - 25.24%
Introductory Rate 0%
Balance Computation daily balance (including new transactions)
Penalty APR 0%
Purchase Intro APR Period 14
Balance Transfer APR (Variable APR) 14.24% - 25.24%
Introductory Rate 0%
Balance Transfer Intro APR Period 14

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