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.

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 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.

Discover it Chrome Gas & Restaurant Card Pros and Cons:

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. Free access to your credit score. No foreign transaction fee. Cardholders can earn rewards on every purchase. Earn rewards on every purchase. Discover it Chrome Gas & Restaurant Card reports to multiple credit bureaus. Cardholders can earn rewards on their purchases.

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

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

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 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 to Discover it Chrome Gas & Restaurant Card:

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

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.