Features

Who Is Discover it Chrome Designed For?

Discover it Chrome is a personal credit card designed for individuals with good or excellent credit who are looking for a generous introductory rate on purchases and balance transfers. The credit card also has a cashback rewards program that offers extra money back on purchases at gas stations and restaurants. Hence, if you are interested in those kinds of savings and prefer a card with no annual fee, Discover it Chrome might be for you.

What Are the Rates for Discover it Chrome?

The introductory rate for purchases and balance transfers is 0% APR. This introductory rate will last for 14 months after which cardholders are subject to a rate ranging from 11.99% APR to 23.99% APR based on creditworthiness. The rate for cash advances is 25.99% APR. There is no penalty APR. APRs will vary with the market based on the prime rate.

What Are the Fees for Discover it Chrome?

There is no annual fee. There is no foreign transaction fee. Balance transfers incur a fee of 3% of the amount of each transfer. Cash advances incur a fee of either 5% of the amount of each cash advance or $10, whichever is greater. There is no late payment the first time a cardholder pays late, but after that, a cardholder will be charged a fee up to $37. Returned payments incur a fee of $37.

What Is the Rewards Program Like for Discover it Chrome?

Cardholders earn 2% cash back at gas stations and restaurants up to a quarterly limit of $1,000 in combined purchases. Cardholders also earn 1% cash back on all other purchases. Cashback earnings can be redeemed at any time, in any amount, and never expire.

What Is the Signup Bonus for Discover it Chrome?

Discover it Chrome does not offer a traditional signup bonus. However, the card does come with a first-year bonus by automatically matching all of the cash back you’ve earned in the first year of being a cardholder.

Does Discover it Chrome Have Any Other Benefits?

Discover it Chrome provides cardholders with access to their FICO Credit Scores and offers $0 fraud liability. Using Discover's website or mobile app, cardholders can access an on/off switch to freeze their account in seconds if their card has been lost. Additionally, Discover offers free overnight shipping for card replacement as long as the destination is a U.S. street address.

How Is Discover it Chrome Better Than Other Credit Cards?

Discover it Chrome has no annual fee, no foreign transaction fee and an introductory rate for purchases and balance transfers of 0% APR, which is good for 14 months. The cashback rewards program provides earnings on all purchases plus extra returns when you’re paying for gas or restaurant expenses. The credit card also comes with added benefits like $0 fraud liability and access to your credit score.

  • Card Type
    • Cash Back
    • Rewards
  • Customer Type
    Personal
  • Card Network
    Discover
  • Credit Score Range
    700 - 850
  • Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
  • Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
  • Minimum Age
    18
  • Supported Income Types
    • 1099 Misc. Income
    • Cash / Other
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
  • Grace Period / Deferred Interest
    25
  • Late Payment Penalty
    $37
  • Minimum Interest Charge
    $1
  • Returned Payment Fee
    $37
  • No Annual Fee
  • No Foreign Transaction Fee
  • Fraud Liability
  • Free FICO Score
  • Cashback
  • Balance Computation
    "Daily balance (including new transactions)"
  • Purchases APR
    11.99% - 23.99%
  • Transfer Fee
    3%
  • Balance Transfer APR
    11.99% - 23.99%
  • Intro APR period (months)
    14
  • 0% Introductory APR
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