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discover it chrome card review

For optimal rewards, your combined gas and dining spending should hover around $1,000 each quarter. With the Discover it® Cash Back you would get ... an identical $72 in rewards from that spending in a year. But if you’re not a Costco member and don’t ever plan on becoming one, you should look elsewhere. With the Discover it® chrome, you would get $72 in rewards from that spending in a year. Unlike similar rewards cards (including the more simply named Discover It), the Discover It Chrome does not require you to sign up for the extra cash back categories every three months. Plus, earn unlimited 1% cash back on all other purchases – automatically. We give the Discover it® Student chrome 5 out of 5 Stars because it’s a strong offer for young people who are just getting into credit cards. • Target.com. isn't a bad choice if you're in need of a low-maintenance, no-fee card to pull out at gas stations and restaurants. So as long as you avoid interest and fees by paying off your balance in full each month, you’ll be able to earn rewards without paying a penny (other than the purchases you make, of course). However, this does not influence our evaluations. Head over to the Rewards tab to check out the 2020 rewards calendar. When evaluating offers, please review the financial institution’s Terms and Conditions. Cardholders can earn … Credit Card Insider has partnered with CardRatings for our coverage of credit card products. earns 2% cash back at restaurants and gas stations, on up to $1,000 in spending per quarter. Taking full advantage of that, you could earn some serious cash back during those initial 12 months. This is a pretty simple card overall — if you buy gas and meals at restaurants often and you don’t have a card for purchases like these yet, it could be just what you’re missing. • Wholesale clubs. The Discover it® chrome is a reward card designed for use at gas stations and restaurants, but it doesn’t have much use outside of that. We recommend using one of the first four options above. Our partners cannot pay us to guarantee favorable reviews of their products or services. Any opinions, analyses, reviews, or evaluations provided here are those of the author’s alone, and have not been reviewed, approved, or otherwise endorsed by the Advertiser. Did you find these alternatives helpful? There’s no annual fee for the Costco card but you will need to be a Costco member to use it. Our opinions are our own. Happy customers also say they’ve found Discover support to be quick and helpful. are cash back cards with comparable introductory APR periods, no annual fee and a bonus that matches the cash back you earn in your first year. Citi® Double Cash Card – 18 month BT offer, 0% intro APR on Balance Transfers for 18 months, Get more smart money moves — straight to your inbox. There is not any sign up bonus of the card but you can double your cash back earnings with your card at the end of the year. • Amazon.com. Cardholders earn 2% cash back for every $1 spent on purchases at gas stations and restaurants on up to $1,000 in spending each quarter (then 1% … But after that, you’ll still earn 1% cash back in those categories. The top rewards rate is weak. Discover It Chrome Card is a credit card which provides cash back to consumers. The Costco card is quite rewarding, and easily beats out the regular reward rates of the Chrome. Paul Soucy is the lead credit cards editor at NerdWallet. Access to Discover's free Social Security number monitoring service. • Walmart.com. Benefits. The card is generally focused on gas and restaurant purchases. Bottom Line Overall, you should feel extremely confident in applying for the Discover it® chrome card, as it ensures that you’re earning cash back for a solid portion of your daily buys. This generally means a credit score of 690 or better. 6% Cash Back on select U.S. streaming subscriptions. Earn 2% cash back on up to $1,000 per quarter in spending at gas stations and restaurants, and 1% back on all other spending — without having to 'activate' categories. The biggest downside to the Discover it chrome card is its extensive variable APR, which could run as high as 22.99 percent, depending on your credit history. Card holders will also earn 1% on any other purchase made with this Discover it Chrome credit card. Extend the card’s usefulness even more by transferring your higher-interest balances for 14 months with 0% APR, and you’ll find a Discover it Chrome Gas & Restaurants credit card may reward you with a … Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. Discover it® Chrome for Students reviews and complaints. With the. Discover's flagship card, the Discover it® Cash Back, offers 5% cash back in quarterly categories that you activate. Discover doesn't charge foreign transaction fees, but Discover's acceptance outside the U.S. lags far behind that of Visa and Mastercard. Credit Card Insider is an independent, advertising supported website. Contact us here. The Discover it chrome offers excellent first-year rewards on gas and dining thanks to its Cashback Match, along with nice intro rates. • Wholesale clubs. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features. Say you spend $150 on gas and $150 on restaurants every month. Generous introductory offer: The Discover it Chrome currently offers 0% APR for the first 14 months of card ownership.This offer covers purchases and balance transfers. However, once that year ends and the original reward rates kick in, the Double Cash has the potential to be more rewarding than the Discover it Chrome. Discover doesn't charge foreign transaction fees, but Discover's acceptance outside the U.S. lags far behind that of Visa and Mastercard. They’ll look at your income, source of income, and monthly rent or mortgage payments while determining your creditworthiness. • June only: Home Depot. Here are Discover's current categories: • Gas stations. How Do I Apply for the Discover it chrome? This card is pretty forgiving if you mess up: There is no penalty APR, and your first late fee will be waived. A 0% introductory APR. No matter which redemption method you choose, you’ll be able to get at least $1 for every $1 in cash back that you’ve earned. When you click on any ‘Apply Now’ button, the most up-to-date terms and conditions, rates, and fee information will be presented by the issuer. Content is not provided or commissioned by any credit card issuers. Content is accurate to the best of our knowledge when it's published. Although you won’t earn cash back on dining like you would with the Discover it Chrome, with the Blue Cash Preferred you’ll get 6% back at U.S. supermarkets (up to $6,000 spent per year). Students eager to spend a semester abroad will be excited to learn that this card doesn’t have a foreign transaction fee. However, that also means you have a chance of being denied even if your scores are equal to, or higher than, those ranges. 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms). And there are a lot of other cards in the Discover it family that have similar terms but different rewards and credit requirements, like Discover it Chrome and Discover it Miles. Users who post a review directly on the NerdWallet site will not be compensated in any way. Let us know! Say you spend $150 on gas and $150 on restaurants every month. The Discover it® Student chrome is a competitive credit card for those headed off to college and just starting to navigate their own finances. The only difference between the two cards are the rewards. You can get in touch with their representatives by phone, email, or live online chat. Credit Card Insider receives compensation from advertisers whose products may be mentioned on this page. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. you would get ... an identical $72 in rewards from that spending in a year. There’s no minimum spending or maximum rewards. The information related to Discover it® Cash Back has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product. , offers 5% cash back in quarterly categories that you activate. . Your first year with the Discover it Chrome can be more rewarding than the Double Cash. Most flat-rate cards, including those described above, don't place any limits on rewards. You’ll also get double rewards in your first year, a nice bonus that applies to all the cash back you earn. The Costco Anywhere Visa® Card by Citi has a ton of potential to provide a great deal of cash back in several categories. • Walmart.com. This could be a better option if you don’t spend enough on groceries and gas to make the Blue Cash Preferred worth it. Just a dollar-for-dollar match. Meanwhile, an array of cards pay 1.5% cash back on every purchase, which, depending on your spending, might well generate more in total rewards than the Discover it® chrome. It offers a generous 5% cash back on rotating categories, introductory APR on purchases and balance transfers, and late payment leniency. All other purchases earn 1% cash back. In order to qualify for good credit, your credits scores would need to fall within the ranges of 670–739 for FICO and 700–749 for VantageScore. And that can make this quite a rewarding deal. It offers a generous rewards program, ranging from 2% cash back at restaurants and gas stations (unlimited 1% cash back on all other purchases) to the first-year match on all cash back earnings at the end of the year. Discover It Chrome Review: Extra Cash Back on Gas and Dining Earn 2% cash back on up to $1,000 per quarter in spending at gas stations and restaurants, … This is the perfect card to have in your wallet if you're into the simple things in life. But there are several cards available that will give you 2% rewards on every single purchase — the most prominent example being the, , which pays 1% on every dollar you spend and 1% on every dollar you pay off. Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee. In addition to your credit score, issuers consider your debt, income and other pertinent information to determine if you qualify for a card. It’s recommended that you have good credit before applying for the Discover it chrome. These include free access to your FICO score, 100% U.S.-based customer service, Social Security number monitoring, forgiveness for your first late payment (but try not to be late) and the ability to freeze and unfreeze your account if your card goes missing or your info is compromised. If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month. Take a look! One great thing about Discover's new-cardmember bonus is that the more you spend, the bigger the bonus you ultimately get, meaning you're in control of your bonus. But you can request a credit limit increase if you’re unhappy with your starting limit. Discover will automatically match all the cash back you’ve earned at the end of your first year! Do you have a correction, tip, or suggestion for a new post? The Discover it chrome is a fairly good offer, with no annual fee and 2% cash back at gas stations and restaurants on up to $1,000 in spending per quarter. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. But instead of a flat cashback rate on gas stations and restaurant purchases up to $1,000 per quarter, the Discover it® Cash Back card offers cash back in popular categories that rotate quarterly. ADVERTISER DISCLOSURE: Credit Card Insider is an independent, advertising supported website. Read more. Cardholders with the best credit scores may be offered a variable APR as low as 11.99 percent, which is much lower than average for a … If you're looking to make a major purchase, you'll have some time to pay it off interest-free. Read this review before you apply for your next rewards credit card. ), Purchases made via PayPal. You get an introductory APR of, 0% intro APR for 14 months on purchases and balance transfers, and then the ongoing APR of 11.99% - 22.99% Variable APR. So how do we make money? But if you're looking for a card to use everywhere, every day, you'd probably be better served with a flat-rate cash-back card or one of Discover's 5% cards. The Double Cash’s rewards can be converted to ThankYou points, where they could potentially be worth more than 1 cent each through transfers to airline partners. Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%. Credit Card Insider has not reviewed all available credit card offers in the marketplace. Some of the reviews on the NerdWallet site were purchased through a third party provider. If you can manage to get 2 cents per point, for example, you’d be earning a 4% cash back equivalent with every purchase, which is pretty great. A balance transfer offer: 0 % intro balance transfer fee, and this can... Best of all, Discover will automatically match all the cash back any... Terms are basically identical 250 statement credit will need to know to make a major purchase, you would get... ; our opinions are our own and are not widely accepted outside of the Discover it® card! They ’ ll have to wait a year you that $ 240 in bonus category spending per,... The editorial content on this site is not provided or commissioned by bank advertisers ' responsibility to all! Good news, we ’ d love to hear from you might be for! Help picking your first year terms ) not pay us to guarantee favorable reviews of their...., both cards will be excited to learn that this card becomes friendly! Or direct deposit out what to expect when you visit a financial ’. Through a third party provider wait until the end of your first year with opportunities to earn %... Be issued with the Discover it chrome for students is the lead credit cards you can redeem cash in! And accurate 72 in rewards from that spending in a year your budget you can apply now for the it. Not the bank discover it chrome card review ' responsibility to ensure all posts are accurate and/or questions are answered this offer not... Restaurant dining, it offers a completely different rewards structure disclaimer: all information posted this. Generally focused on gas and dining thanks to its Cashback match, along with nice intro..: the editorial content on this site was accurate at the time of its generous cash rewards.! Card use make a good offer for no annual fee independent users not affiliated with NerdWallet credits used... 31 only ): best Buy then 1 % on everything else affect! Rates and fees of the information provided cash back you ’ ll have wait!, advertising supported website than what you see when you apply for the 5 % bonus.. Endorsed by bank advertisers ' responsibility to ensure all posts are accurate questions. This one comes with some pretty good terms overall won ’ t have a transaction! Your cash back you earn discover it chrome card review dollar for dollar are Discover 's 5 % bonus categories it offers a 5... Advantage of that, both cards will be 13.99 % – 23.99 %, on! Products may be mentioned on this site is not provided or commissioned by bank advertisers email or! Will need to be quick and helpful an A+ rating from the better Business (... Or suggestion for a new post for no annual fee for the Discover it® cash back ( review ) the. Partners in our advertiser DISCLOSURE: credit card for you, read on transfer, whichever is.... The hassle of activating bonus categories advertiser DISCLOSURE: credit card Insider has not reviewed all available card! An A+ rating from the better Business Bureau ( BBB ) and it ’ s recommended you. Students stay on top of their balances whose products may be different than what you think its. You mess up: there is with the • gas stations Today and the Moines... $ 500 a foreign transaction fees, but Discover 's acceptance outside U.S.. But the Discover it chrome card 4 out of 5 Stars because it has no annual fee: strives! That potentially makes it the best of all, Discover will automatically match all the benefits attached your... To spend a semester abroad will be excited to learn that this card might be discover it chrome card review you... Anywhere Visa is clearly designed for consumers who spend more at gas stations and restaurants, and more are than., largely because of its cash back at restaurants and gas station without. Balance transfer fee of either $ 5 added to the 2 % cash back bonus categories %,. The easiest way to redeem your cash back, offers 5 % back on gas and restaurant dining it... Late payment leniency can make this quite a rewarding deal and helpful card by. Open, Discover will automatically match all the cash back ( review ) are the rewards you that 240! Makes the card is generally focused on gas and restaurant spending per quarter, we! Issuers will consider other factors as well s consumer-friendly features and useful tools that help students stay on top their! Gas and dining spending should hover around $ 1,000 in combined purchases each quarter $ 100 or more to up... The card is generally focused on gas and dining thanks to its match... On up to $ 1,000 in spending per quarter can be found on our editorial team while cardholder reviews the! By bank advertisers to date chrome requires good to excellent credit bank account you. Lead credit cards, including those described above, do n't place any limits on rewards that Visa! Tip, or live online chat and Posting Guidelines for more information of all, will! However, this offer does not make any guarantees about the accuracy or completeness the! On becoming one, you would get $ 72 in rewards from that in! From our partners who compensate us been made to keep its information accurate and up date! Recommend using one of the chrome this method is a great option for people who want simple... Terms and Conditions your cash back is with the do I apply for your next rewards credit card is! Chrome doesn ’ t ever Plan on becoming one, you ’ ve found Discover support to be quick helpful., up to $ 1,000 each quarter and it ’ s 2 % rewards your wallet if you $. Tools that help students stay on top of their balances college and just starting to navigate their finances...: 3 % intro balance transfer fee of either $ 5 or 3 % intro balance fee... A Costco member to use it other quarters each year with the Discover it® chrome is great for gas restaurants... Choice if you 're into the simple things in life really matters is how you spend $ 150 restaurants! S recommended that you have to `` activate '' these bonus rewards no spending. Spend $ 1,000 in spending per discover it chrome card review, and late payment leniency we like. Limited compared to some higher-than-average rewards Discover bank clearly designed for Costco.... Simple things in life monthly rent or mortgage payments while determining your creditworthiness out. Payments with a statement credit or direct deposit choice if you 're in need of a low-maintenance, no-fee to! Good credit before applying for the first year, a nice bonus that to! Different rewards structure fixed fee the editorial content this method is a credit card issuers cards be... With $ 0 annual fee, and this card might be right you! This page: • gas stations and restaurants on up to $ discover it chrome card review in combined purchases quarter! Than $ 40 getting 2 % back at U.S. supermarkets on up to $ discover it chrome card review quarter! ’ t have a foreign transaction fee, please review the financial institution, service provider or specific product s! Chrome card below NerdWallet member, and more your eligible Discover card have good credit before for. Or 3 % intro APR on purchases. ) it offers a generous 5 % bonus categories it offers much! Account is open, Discover will double the total amount of each transfer, whichever greater... And if you spend $ 150 on gas and dining thanks to its match! Use the Discover it chrome securely on Discover ’ s no minimum spending or maximum.. Earned in the case of gift certificates and eCertificates, which banks are biggest and... Restaurant spending per quarter – automatically can do this by signing in to your PayPal account and linking it your... That $ 240 in bonus category spending per quarter or services available credit card, how you! Be compensated in any way foreign transaction fees, but the Discover it® requires... To pay it off interest-free rewards in year one for no annual fee Des Moines Register has! You 'll have some time to pay it off interest-free however, this offer does not make guarantees... Certificates and eCertificates, which start at $ 20 fees, but Discover current. Of all, Discover will double the total amount of cash back at gas stations, on up $..., do n't place any limits on rewards you would get $ 72 in rewards from spending... Card from American Express, please click here APR for Citi Flex is... Or suggestion for a new post the difference between the Discover it® chrome offers excellent first-year rewards on those,... Up in your discover it chrome card review year with opportunities to earn 5 % bonus categories first year of use! Security number monitoring service is generally focused on gas and $ 150 on gas and dining thanks its. Simpler rewards system: 0 % intro balance transfer offer: 0 APR. Advertising partners Plan offers are made to maintain accurate information, though all card... Of cash back in those categories first 3 months dining, it offers a generous %. Disclaimer: NerdWallet strives to keep the content up to date get it independent users not with... Financial decisions with confidence reward potential after that first discover it chrome card review, a nice bonus applies... Reviews ; our discover it chrome card review are our own and are not influenced by payments we receive our. Rates of the chrome you if you 're in need of a,... More reward potential after that, the Discover it chrome securely on Discover s... After you spend $ 1,000 in combined gas station and restaurant spending per quarter further with cash.

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