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, and 1% back on all other spending — without having to 'activate' categories
Our Take
3.5
The bottom line: This card's appeal is limited by a fairly low maximum cash-back rate and a cap on the amount of spending eligible for bonus rewards.
Full Review
on Discover's website, or call (800) 347-0264
on Discover's website, or call (800) 347-0264
Annual Fee
$0
Regular APR
11.99% - 22.99% Variable APR
Intro APR
0% intro APR for 14 months on purchases and balance transfers
Recommended Credit Score
Quick FactsView rates and fees
Pros & Cons
Pros
Bonus cash back categories
No annual fee
Intro APR period on Purchases and Balance Transfers
No foreign transaction fee
Cons
Requires good/excellent credit
Discover cards are not widely accepted outside of the U.S.
Alternate Pick: 2% on everything
Citi® Double Cash Card – 18 month BT offer
No bonus categories or reward caps
This card pays a flat 2% cash back on every purchase, every day — 1% when you make a purchase and 1% when you pay it off. There's no limit to the 2% rewards. However, this offer does not include a sign-up bonus or a 0% APR period on purchases.
Compare to Other Cards
Annual Fee$0 | Annual Fee$0 | Annual Fee$0 |
Regular APR13.99% - 23.99% Variable APR | ||
Intro APR0% intro APR for 14 months on purchases and balance transfers | Intro APR0% intro APR on Balance Transfers for 18 months | Intro APR0% intro APR for 14 months on purchases and balance transfers |
Recommended Credit Score |
Recommended Credit Score |
Recommended Credit Score |
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Full Review
When it comes to cash-back credit cards, Discover is best known for the 5% bonus categories it offers on products like the Discover it® Cash Back, the Discover it® Student Cash Back and the NHL® Discover it®. But the Discover it® chrome offers a completely different rewards structure.
If you spend a lot on gas and restaurant dining, it's worth a look. But many consumers will probably be better off with another card.
Discover it® chrome: Key features
Card type: Cash back.
Annual fee: $0.
Sign-up bonus: INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
Rewards:
Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter.
Earn 1% cash back on all other purchases.
Redemption: You can redeem cash back in any amount, except in the case of gift certificates and eCertificates, which start at $5. Redemption options include:
Direct deposits into any account.
Statement credits on your credit card.
Donations to select charities.
Shopping at Amazon. (You can do this by signing in to your Amazon account, linking that account to your eligible Discover card, paying with that card and applying your cash back at checkout.)
Purchases made via PayPal. (You can do this by signing in to your PayPal account and linking it to your eligible Discover card. You can then use your cash-back earnings to make PayPal purchases.)
Gift cards and eCertificates.
Foreign transaction fees: None.
Balance transfer fee: 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms).
Other benefits:
Free access to FICO score.
Access to Discover's free Social Security number monitoring service.
Discover it® chrome: Benefits
Bonus categories. With the Discover it® chrome, you get 2% cash back on restaurant dining and gas purchases, on up to $1,000 in combined spending each quarter, and 1% after that. All other purchases earn 1% cash back. Unlike with Discover's 5% cards, you don't have to "activate" these bonus rewards. They're always "on."
Double your cash back in the first year. The Discover it® chrome offers the same new-cardholder bonus as Discover's other cards: INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
A 0% introductory APR. If you're looking to make a major purchase, you'll have some time to pay it off interest-free. 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.
Discover's suite of perks. 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.
A $0 annual fee.
Discover it® chrome: Drawbacks
The top rewards rate is weak. Getting 2% cash back on gas and restaurants is better than 1% — and certainly better than nothing! But there are several cards available that will give you 2% rewards on every single purchase — the most prominent example being the Citi® Double Cash Card – 18 month BT offer, which pays 1% on every dollar you spend and 1% on every dollar you pay off. 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. Consider the Chase Freedom Unlimited®, which gives you 1.5% cash back (plus between 3% and 5% back on select categories) has a $0 annual fee and also offers a cash sign-up bonus and a 0% intro APR period.
Bonus rewards are capped. If you drive a lot and eat out most nights, you could crash into the $1,000 quarterly ceiling on 2% rewards rather quickly. Most flat-rate cards, including those described above, don't place any limits on rewards.
An unconventional bonus. 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 have to wait a year to get it.
Spotty international acceptance. This isn't a good pick for international travel. Discover doesn't charge foreign transaction fees, but Discover's acceptance outside the U.S. lags far behind that of Visa and Mastercard.
Discover vs. Discover: This card vs. the 5% cards
Discover's flagship card, the Discover it® Cash Back, offers 5% cash back in quarterly categories that you activate. You get 5% back on up to $1,500 in bonus category spending per quarter, and 1% on everything else. Here are Discover's current categories:
Discover bonus rewards categories for 2021 | |
---|---|
Q1 (Jan. 1 – March 31) | • Grocery stores*. • CVS. • Walgreens. *The grocery stores category includes Walmart Grocery Pickup & Delivery, but not grocery purchases inside Walmart or at other superstores such as Target or wholesale clubs. |
Q2 (April 1 – June 30) | • Gas stations. • Wholesale clubs. • Select streaming services. |
Q3 (July 1 – Sept. 30) | • Restaurants. • PayPal. |
Q4 (Oct. 1 – Dec. 31) | • Amazon.com. • Target.com. • Walmart.com. |
Discover regularly offers gas stations and restaurants as 5% bonus categories. Say you spend $150 on gas and $150 on restaurants every month. With the Discover it® chrome, you would get $72 in rewards from that spending in a year. With the Discover it® Cash Back you would get ... an identical $72 in rewards from that spending in a year. But you would also get two other quarters each year with opportunities to earn 5% in different categories.
Indeed, if you maxed out the bonus rewards available on each card, here's what you would earn:
With the Discover it® chrome: An extra 1% on $4,000 per year in spending, or $40 plus 1% on all spending.
With the Discover it® Cash Back: An extra 4% on $6,000 per year in spending, or $240 plus 1% on all spending.
Mathematicians will tell you that $240 in bonus rewards is more valuable than $40. But what really matters is how you spend money, and whether you want the hassle of activating bonus categories every three months.
Should you get the Discover it® chrome?
The Discover it® chrome 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. 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.
on Discover's website, or call (800) 347-0264
Frequently asked questions
The Discover it® chrome earns 2% cash back at restaurants and gas stations, on up to $1,000 in spending per quarter. All other purchases earn 1% cash back.
The Discover it® chrome and the Discover it® Cash Back 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. But the Discover it® Cash Back has rotating bonus categories that you have to activate each quarter, while the Discover it® chrome earns bonus cash back in two fixed categories that are always "on."
For the first year your account is open, Discover will match the cash back you earn, dollar for dollar. But you’ll have to wait until the end of your first year to get the match. This offer is for new cardholders only.
There’s no limit to how much you can earn with the Discover it® chrome. The card’s 2% rewards are capped at $1,000 in combined gas station and restaurant spending per quarter. But after that, you’ll still earn 1% cash back in those categories.
The Discover it® chrome is accepted by 99% of places that take credit cards, nationwide. But using the card internationally might be trickier — although Discover doesn't charge foreign transaction fees, it is not as widely accepted outside the U.S. as Visa and Mastercard.
The Discover it® chrome requires good to excellent credit. This generally means a credit score of 690 or better. In addition to your credit score, issuers consider your debt, income and other pertinent information to determine if you qualify for a card.
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