Discover it® chrome: No Fuss Rewards

By Lynn Truong. Last updated 7 September 2017. 0 comments

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Discover has 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
  • No rotating categories

How This Card Works

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.

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

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
  • 11.99% - 23.99% 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.

No 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)

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. 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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