Discover
Discover it® Chrome
Cash BackNo Annual FeeRotating CategoriesDiningGasIntro OfferGood CreditExcellent CreditZero Intro APR
Key Features
| Annual Fee | $0.00 |
| Sign-up Bonus | Unlimited dollar-for-dollar match first year |
| Rewards Rate | 2% cash back, 1% all purchases |
| Intro APR | 0% intro APR for 15 months on purchases and balance transfers |
| Regular APR | Then 17.49% to 26.49% Standard Variable Purchase APR Cash Advance APR: 28.49% variable. then Purchase APR applies. |
| Other Fees | Minimum interest charge: $.50. Cash advance fee: greater of $10 or 5% of the advance amount. Balance transfer fee: 3% Intro fee of the amount transferred; 5% fee for future transfers. |
| Network | Discover |
Read the full review
Best for those with
Good Credit
About this card
The Discover it® Chrome card is a solid choice, particularly for individuals new to credit cards or those seeking a straightforward cash-back option without an annual fee. The intro APR offer and first-year cash back match provide significant value. However, the card's ongoing rewards are somewhat limited by the spending cap, and the regular APR can be high. Discover's strong reputation and customer service add to the card's appeal. Considering these factors, an overall rating of 3.4 reflects a good card with some notable strengths and weaknesses.
3.4
Overall Rating
Pros & Cons
What's great
- No annual fee
- Intro APR period
- Generous sign-up bonus
- Cashback on purchases
- Rotating bonus categories
Things to consider
- High regular APR
- Balance transfer fee
What this card offers
Sign-up bonuses
- Get an unlimited dollar-for-dollar match of all the cash back you earn at the end of your first year, automatically. There is no limit to how much we’ll match.
Rewards
- Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically.
- Plus, earn unlimited 1% cash back on all other purchases.
Other features
- 99% nationwide acceptance — Discover is accepted nationwide by 99% of places that take credit cards.
- Redeem your rewards for cash in any amount.
- Redeem rewards for gift cards at popular brands.
- You can also redeem your rewards with PayPal.
- $0 Fraud Liability
- You're never responsible for unauthorized purchases on your Discover Card.
- Free Social Security number alerts
- Get an alert if we find your Social Security number on the dark web. Sign up to activate this free benefit.
- Freeze your account
- If you misplace your card, you can prevent new purchases and cash advances in seconds with the on/off switch on our mobile app and website.
- FICO® Score and more
- It's free and checking your score doesn't hurt your credit.
- Real human customer service 24/7
- You can talk to a real human on our customer service team any time.
- Tap to pay
- It's fast and easy to pay with your contactless Discover Card.
Additional Notes
Rates as of March 31, 2026.
Ratings
4.1
3.1
3.7
2.8
4.2