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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
Purchase APR  (Variable APR) 11.99% - 22.99%
Balance Transfer APR  (Variable APR) 11.99% - 22.99%
Credit Score Range 650 - 850
Annual Fee $0

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. This review will provide you with with all the details you need 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 cashback card. It gives you cashback 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 3% on balance transfers. After the introductory period, the fee is 5%. 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 gas purchases.
  • Fair or better credit required. You will have good approval oods if your credit score is above650.
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.
  • 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.
  • 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

Does Discover it Chrome Gas & Restaurant Card have a signup bonus?

This card doesn't offer a cash signup bonus.

Does Discover it Chrome Gas & Restaurant Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

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. It has lower than average regular APRs.

It 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 intro APR offer on balance transfers?

Yes, it offers an intro 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 Fee % After Intro Period 5%
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 14 months
Balance Transfer APR 11.99% - 22.99%
Balance Transfer Fee % 3%

Does Discover it Chrome Gas & Restaurant Card have an intro APR offer on new purchases?

Discover it Chrome Gas & Restaurant Card Purchase Intro Offer
Description
Introductory Rate 0%
Purchase Intro APR Period 14 months

This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 14 months.

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 have a foreign transaction fee?

This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.

What is the customer service phone number for Discover it Chrome Gas & Restaurant Card?

The Discover it Chrome Gas & Restaurant Card customer service number is (800) 347-2683.

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.

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...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Availability

  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
Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 14 months
Foreign Currency Transaction Fee 0%
No Annual Fee
No Foreign Transaction Fee
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 5%
Minimum Cash Advance Fee ($) Starting at $10
Minimum Interest Charge $0.50
Returned Payment Fee Up to $40
Late Fee Amount Up to $40
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
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Fraud Liability
  • Free Credit Score
  • Identity Theft Protection
No Reward Expiration Period
Rewards Categories
  • 2% Cash Back on Gas up to $1000 quarterly
  • 2% Cash Back on Restaurants up to $1000 quarterly
  • 1% Cash Back on Every Purchase
Cash Advance APR (Variable APR) 24.99%
Balance Computation daily balance (including new transactions).
Penalty APR (Variable APR) 0%
Purchase APR (Variable APR) 11.99% - 22.99%
Balance Transfer Fee % After Intro Period 5%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 14 months
Balance Transfer APR (Variable APR) 11.99% - 22.99%
Balance Transfer Fee % 3%
Card Type
  • Balance Transfer
  • Bonus Offers
  • Cashback
  • Gas
  • Rewards
  • Zero Percent
Card Network Discover

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