Discover it® chrome: No Fuss Rewards

By Lynn Truong. Last updated 1 February 2017. 0 comments

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When the Discover it® card hit the scene, it made waves with hype from their marketing campaign, with a high 5% cash back on special rotating categories. They've just released the Discover it® chrome card. Let's take a look at what new benefits they're offering.

Why We Like This Card

  • Discover matches all the cash back you've earned at the end of your first year
  • 0% introductory APR for 14 months on purchases and balance transfers
  • No rotating categories

How This Card Works

Unlike the original Discover it Card with rotating categories, this card offers 2% cash back at gas stations and restaurants (up to $1,000 combined each quarter, no sign-ups needed). All other purchases earn unlimited 1% cash back.

Sign-up offer: As an exclusive bonus for new cardmembers, Discover will match the cash back you've earned at the end of your first year. 

This card also offers a 14-month 0% introductory APR on balance transfers and purchases. A 3% fee applies to each transferred balance. There are no foreign transaction fees and no annual fee.

Other Benefits

Discover customer service. The company has long been ranked highly for customer service, promoting the fact that a real person will answer your call in seconds.

Free FICO score. You'll also be able to get your most recent FICO credit scores for free on your monthly statements and online.

Freeze ItSM. Discover also offers a new Freeze ItSM feature which allows you to prevent new prevent new purchases, cash advances and balance transfers in seconds if you feel your card has been compromised.


  • $0 Annual Fee
  • 11.49% - 23.49% Variable APR (0% introductory APR for 14 months on purchases and balance transfers)
  • Balance Transfer Fee: 3% of the amount of each transfer
  • $0 Foreign Transaction Fee


First year bonus. Get your rewards matched at the end of your first year.

No rotating categories. You know exactly what the bonus categories are. They don't change each quarter, nor do you need to sign up to receive the bonus rewards.

Introductory APR. Get 14 months of 0% Introductory APR for balance transfers and purchases.

Fees. You won't get hit with a late fee the first time you make a late payment. You won't get bumped to a higher APR even if you do pay late. There are no foreign transaction fees nor annual fees.

Rewards redemption. Unlike other cards that require a certain amount before you can cash out your rewards, you can redeem your rewards for cash at any time, at any amount.

Credit protection: You get a your recent FICO credit scores for free on your monthly statements and online. You can also quickly freeze or unfreeze your account through their website and mobile app.


Limited bonus categories and rewards. There are only two bonus categories and the bonus rewards is limited to $1,000 in combined gas and restaurant purchases each quarter. (See also: 5 Best Cash Back Credit Cards)

APR range. The APR can be as high as 23.49%, so those who plan on keeping a balance should look for low interest credit cards instead.

Limited Discover card acceptance. Unlike Visa and MasterCard, Discover cards aren't as widely accepted.

Who This Card Is Best For

Like many cash back credit cards, the Discover it chrome Card is ideal for those who want to earn money on their regular spending, specifically for spending on gas and restaurants.

Because this card comes with a generous 0% intro APR, it can be ideal for those who are trying to pay down debt by consolidating balances via 0% balance transfer offers. As with most rewards credit cards, Discover it chrome works best when you pay off your balance each month (at least after the introductory period is over) so that the interest you pay doesn't offset your cash back earnings.

For those looking for a reasonable, straightforward cash rewards program — and if you travel overseas and want to avoid transaction fees — the Discover it chrome card is well worth carrying.

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