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. 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