Discover it Chrome Gas & Restaurant Card

Discover it Chrome Gas & Restaurant Card Review

This 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.

Key Takeaways

• 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 cashback card. It gives you cashback on your eligible 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 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees.
• No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
• Gas rewards. 2% cashback on eligible fuel purchases.
• Fair or better credit required. You will have good approval odds if your credit score is above 650.

Pros & Cons of Discover it Chrome Gas & Restaurant Card

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. Potentially 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. There is then a variable purchase APR that ranges from 11.99% up to 22.99%. No annual fee. Free access to your credit score. Identity Theft Protection. No foreign transaction fee. Cardholders can earn rewards on their purchases. Discover it Chrome Gas & Restaurant Card reports to multiple credit bureaus.

Does not offer a signup bonus. Charges a 3% balance transfer fee. After the introductory period, the fee is 5% .

Discover it Chrome Gas & Restaurant Card FAQ

Does Discover it Chrome Gas & Restaurant Card have a cash back or rewards program?

This is a cashback card. This means you earn a percentage of your purchases as cash back rewards. You will receive 1% cash back on travel, dining, groceries, drugstore purchases, or any other 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

Minimum rewards rate	1x
Max rewards rate	2x
Annual rewards limit	N/A
Signup Bonus ($)	N/A

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

It provides the following benefits:

• Free Credit Score
• Zero fraud liability
• 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 regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular 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.

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

The following fees apply:

Discover it Chrome Gas & Restaurant Card Fees

Fees	Amount
Annual Fee	$0
Foreign Transaction Fee	0%
Returned Payment Fee	up to $40
Late Payment Fee	up to $40

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.

Does Discover it Chrome Gas & Restaurant Card report your account activity to credit bureaus?

Yes, Discover it Chrome Gas & Restaurant Card reports your account activity to the following credit reporting agencies:

• Equifax
• Experian
• Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may 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 your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.