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discover it chrome card review

By December 29, 2020 Uncategorized No Comments

EDITORIAL DISCLOSURE: The editorial content on this site is not provided by the companies whose products are featured. 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. Credit Card Insider has not reviewed all available credit card offers in the marketplace. 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. Read more. 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. Say you spend $150 on gas and $150 on restaurants every month. Most flat-rate cards, including those described above, don't place any limits on rewards. 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, , which gives you 1.5% cash back (plus between 3% and 5% back on select categories) has a. annual fee and also offers a cash sign-up bonus and a 0% intro APR period. The Discover it Cash Back features 5% cash back in bonus categories that change quarterly (up to $1,500 spent per quarter, then 1%; activation required). These extra bits of information could potentially lead to your approval, even if your scores are lower than what’s recommended. There’s also a version of the Blue Cash Preferred with no annual fee, which provides 3% cash back at U.S. supermarkets (up to $6,000 spent per year) and 2% cash back at gas stations and select U.S. department stores: the Blue Cash Everyday® Card from American Express (Review) (Rates & Fees). Citi Flex Plan offers are made available at Citi’s discretion. Card holders will also earn 1% on any other purchase made with this Discover it Chrome credit card. Maybe another rewards card would suit you better. 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. Good news, we’ve compiled some solid alternatives for you. There's no limit to the 2% rewards. All other purchases earn 1% cash back. Discover's suite of perks. However, this does not influence our evaluations. But you can request a credit limit increase if you’re unhappy with your starting limit. Here are Discover's current categories: • Gas stations. 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. The Discover it® Cash Back card offers the same annual fee, cashback match bonus, intro APR on purchases and balance transfers and benefits as the Discover it® chrome. 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. The information related to Discover it® chrome has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product. Credit Card Insider and CardRatings may receive a commission from card issuers. 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. Content is not provided or commissioned by any credit card issuers. With the Discover it® Cash Back you would get ... an identical $72 in rewards from that spending in a year. • Wholesale clubs. To earn cash back, pay at least the minimum due on time. Disclaimer: NerdWallet strives to keep its information accurate and up to date. The standard variable APR for Citi Flex Plan is 15.24%. 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. The card offers 2% cash back on gas station and restaurant purchases on up to $1,000 spent in combined purchases each quarter (1% after that), and 1% cash back on all other purchases. 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 your cash back and benefits will be a bit limited compared to some other reward cards out there. 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. Updated July 30, 2020 The Discover it Chrome card offers simple, and fairly valuable, cash back rewards at gas stations and restaurants. So if you like the rewards on both, you might consider using them in tandem. So you must ask yourself: Would you rather get rewards more quickly with the Discover card, or go for long-term gains with the Double Cash? You’ll get the most out of this card if you use it as often as possible during your first year, considering Discover will double the rewards you earn during that time. 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. , nationwide. Mathematicians will tell you that $240 in bonus rewards is more valuable than $40. But the Discover it® chrome offers a completely different rewards structure. Earn cash back on your next road trip with 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Here is a list of our partners. 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. If you do want a card to earn rewards on those purchases, however, this one comes with some pretty good terms overall. You’ll also get double rewards in your first year, a nice bonus that applies to all the cash back you earn. Some customers say they’ve received automatic credit limit increases after several months. That flat rate is the main attraction. If that’s you, then it could be a valuable addition to your spending habits. But if you’re not a Costco member and don’t ever plan on becoming one, you should look elsewhere. 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. DISCLAIMER: All information posted to this site was accurate at the time of its initial publication. This generally means a credit score of 690 or better. There’s no limit to how much you can earn with the Discover it® chrome. • Target.com. When evaluating offers, please review the financial institution’s Terms and Conditions. All financial products, shopping products and services are presented without warranty. Balance transfer fee: 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms). Let us know! You can see our detailed review for Discover It Chrome Card below. Discover doesn't charge foreign transaction fees, but Discover's acceptance outside the U.S. lags far behind that of Visa and Mastercard. Most flat-rate cards, including those described above, don't place any limits on rewards. 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. This may influence which products we write about and where and how the product appears on a page. Keep in mind credit card issuers will consider other factors as well. With the. It’s a similar card to the Discover it® Cash Back (Review), which has 5% cash back rotating categories (on up to $1,500 spent per quarter, then 1%; activation required). 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms). 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. All financial products, shopping products and services are presented without warranty. Credit Card Insider has partnered with CardRatings for our coverage of credit card products. Discover it Chrome Gas & Restaurants Card Review. • Amazon.com. Just a dollar-for-dollar match. 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. Your first year with the Discover it Chrome can be more rewarding than the Double Cash. Advertiser relationships do not affect card ratings or our Best Card Picks. If you spend a large amount on gas and dining each month, the Discover it Chrome credit card can help put some money back in your wallet. Credit Card Insider has partnered with CardRatings for our coverage of credit card products. But what really matters is how you spend money, and whether you want the hassle of activating bonus categories every three months. With the Discover it® chrome, you earn up 2% back on food and gas. For optimal rewards, your combined gas and dining spending should hover around $1,000 each quarter. The card is generally focused on gas and restaurant purchases. 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. (You can do this by signing in to your PayPal account and linking it to your eligible Discover card. on Discover's website, or call (800) 347-0264, 0% intro APR for 14 months on purchases and balance transfers, Intro APR period on Purchases and Balance Transfers. But you have to wait a year to get it. • (Nov. 25 to Dec. 31 only): Best Buy. How Do I Apply for the Discover it chrome? If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly. All other purchases earn 1% cash back. 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 … Your credit limit is determined by your creditworthiness, with a minimum limit of $500. Blue Cash Preferred® Card from American Express, Blue Cash Everyday® Card from American Express, Gas Stations, Uber, Lyft, Wholesale Clubs, 2% cash back at gas stations and restaurants, on up to $1,000 spent per quarter (then 1%), Introductory APR for purchases and balance transfers (See Terms for See Terms then See Terms), After the first year the rewards aren’t too impressive, Cashback Match: Get double cash back for the first year, provided at the end of the first year, As a statement credit to reduce your balance, Directly into a bank account of your choice, Pay with rewards at select retailers, like Amazon.com, U.S. supermarkets (up to $6,000 spent annually), $250 statement credit for spending $1,000 in the first 3 months. After that, the variable APR will be 13.99% – 23.99%, based on your creditworthiness. Credit Card Insider has not reviewed all available credit card offers in the marketplace. The information related to Discover it® chrome and Discover it® Cash Back have been collected by Credit Card Insider and have not been reviewed or provided by the issuer or provider of these products. Add to those perks the zero-cost annual fee, and this card becomes quite friendly to your budget. They’ll look at your income, source of income, and monthly rent or mortgage payments while determining your creditworthiness. Content is not provided or commissioned by any credit card issuers. When it comes to cash-back credit cards, Discover is best known for the 5% bonus categories it offers on products like the. Cardholders can earn … • Gas stations. NerdWallet reviews are the result of independent research by our editorial team while cardholder reviews are contributions from independent users not affiliated with NerdWallet. 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. You can redeem cash back in any amount, except in the case of gift certificates and eCertificates, which start at $20. But this method is a bit limiting because gift cards can only be used with their associated merchants. We also like Discover’s consumer-friendly features and useful tools that help students stay on top of their balances. NerdWallet strives to keep its information accurate and up to date. Citi is a Credit Card Insider advertiser. The Costco Anywhere Visa® Card by Citi has a ton of potential to provide a great deal of cash back in several categories. 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, … 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. There’s no minimum spending or maximum rewards. ", There’s no limit to how much you can earn with the. 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. If you drive a lot and eat out most nights, you could crash into the $1,000 quarterly ceiling on 2% rewards rather quickly. , offers 5% cash back in quarterly categories that you activate. The standard variable APR for Citi Flex Plan is 13.99% – 23.99% based on your creditworthiness. Head over to the Rewards tab to check out the 2020 rewards calendar. 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. Some of the reviews on the NerdWallet site were purchased through a third party provider. 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. An extra 1% on $4,000 per year in spending, or, An extra 4% on $6,000 per year in spending, or. This isn't a good pick for international travel. Discover it® chrome doesn’t have rotating bonus categories. The responses below are not provided or commissioned by bank advertisers. 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. Taking full advantage of that, you could earn some serious cash back during those initial 12 months. However, that also means you have a chance of being denied even if your scores are equal to, or higher than, those ranges. They’ll check your credit reports from the major credit bureaus and a few other factors, but typically you should hear back quickly regarding whether you’ve been approved or denied. 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. However, Credit Card Insider does not make any guarantees about the accuracy or completeness of the information provided. The only difference between the Discover it chrome and the Discover it® Cash Back (Review) are the rewards. Advertising partners do not edit or endorse our editorial content. offers the same new-cardholder bonus as Discover's other cards: If you're looking to make a major purchase, you'll have some time to pay it off interest-free. 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). 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. Credit Card Insider receives compensation from some credit card issuers as advertisers. Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%. • June only: Home Depot. It has a $0 annual fee, does not charge interest for the first 14 months, and gives up to $20 cash back each quarter for … 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. Learn the difference between networks like Visa and issuing banks like Capital One, which banks are biggest, and more. The Discover it Student chrome card ranks high on our list of student cards, largely because of its generous cash rewards program. 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. Redemption options include: Shopping at Amazon. Prevent identity theft, protect your credit, The difference between term and whole life insurance, How medical conditions affect your life insurance rate. But after that, you’ll still earn 1% cash back in those categories. Discover will automatically match all the cash back you’ve earned at the end of your first year! Read this for help picking your first card and find out what to expect when you apply. Rather than earning 2% cash back on gas and dining, with the Discover it Cash Back you’ll get 5% cash back in categories that rotate annually, on up to $1,500 spent per quarter (then 1%; activation required). Bonus categories. However, this offer does not include a sign-up bonus or a 0% APR period on purchases. Discover It Chrome Card is a credit card which provides cash back to consumers. If you’re more likely to make purchases from those categories, the Discover it Cash Back will probably be the more profitable choice for you. 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. He has worked at USA Today and the Des Moines Register and has an MBA. But you have to wait a year to get it. Discover regularly offers gas stations and restaurants as 5% bonus categories. The Citi® Double Cash Card – 18 month BT offer (Review) is a simple but rewarding card, offering 2% cash back for every purchase you make. 6% Cash Back on select U.S. streaming subscriptions. Plus, earn unlimited 1% cash back on all other purchases – automatically. 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. ADVERTISER DISCLOSURE: Credit Card Insider is an independent, advertising supported website. The Double Cash provides 1% cash back when you make a purchase, and another 1% when you pay off that purchase — different than most cards, which provide the full cash back amount when you make the purchase. The Discover it chrome offers excellent first-year rewards on gas and dining thanks to its Cashback Match, along with nice intro rates. A list of these issuers can be found on our Editorial Guidelines. Getting 2% cash back on gas and restaurants is better than 1% — and certainly better than nothing! •, • Amazon.com. Our partners cannot pay us to guarantee favorable reviews of their products or services. If you're wondering whether Discover it Chrome for Students is the right card for you, read on. NerdWallet's ratings are determined by our editorial team. All other purchases earn 1% cash back. (You can do this by signing in to your Amazon account, to your eligible Discover card, paying with that card and applying your cash back at checkout.). He makes sure that Credit Card Insider is covering the most important credit topics transparently and precisely, and that we have up-to-date reviews of credit cards so you can find cards that are right for you. You get 5% back on up to $1,500 in bonus category spending per quarter, and 1% on everything else. Become a NerdWallet member, and we’ll send you tailored articles we think you’ll love. It’s a pretty simple card, but if you just want a way to earn rewards on gas and at restaurants this one might be a good choice. CNBC Select breaks down the associated rewards and benefits of this cash-back card. INTRO OFFER: Unlimited Cashback Match – only from Discover. Why We Like It 2% cash back on gas and dining (up to $1,000 spent per quarter, then 1%) Double cash back in your first year offers a completely different rewards structure. (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. Bonus rewards are capped. That potentially makes it the best credit card on the market for grocery shopping. But you would also get two other quarters each year with opportunities to earn 5% in different categories. Getting 2% cash back on gas and restaurants is better than 1% — and certainly better than nothing! 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. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Discover doesn't charge foreign transaction fees, but Discover's acceptance outside the U.S. lags far behind that of Visa and Mastercard. Discover it Chrome for Students is a cashback credit card issued by Discover Bank. And that can make this quite a rewarding deal. Content is accurate to the best of our knowledge when it's published. 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. We believe everyone should be able to make financial decisions with confidence. As with the standard Discover it® card , the chrome version carries 0% interest … Gift cards are the most rewarding way to redeem because you’ll get at least $5 added to the gift card value. All the other benefits and terms are basically identical. So how do we make money? Best of all, Discover will double the total amount of cash back earned in the first year of card use. The other benefits include some basic shopping and travel protections, along with the ability to monitor your FICO Score 8 from TransUnion for free. While the 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter is a nice perk (then, 1%), the per quarter limit lessens its value. We publish unbiased reviews; our opinions are our own and are not influenced by payments we receive from our advertising partners. Access to Discover's free Social Security number monitoring service. A 0% introductory APR. • Target.com. Discover it Chrome for Students Review. It … This card can potentially be completely free to use because it has no annual fee. Take a look at all the benefits attached to your card. Just be sure to keep an eye out for when you’ll earn 5% back on gas or dining with the Discover it Cash Back to get the most out of your cards. Instead, it offers a much simpler rewards system. 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. But many consumers will probably be better off with another card. Did you find these alternatives helpful? The Discover it Chrome for Students card offers 2% cash back rewards at gas stations and restaurants up to $1,000 in combined spending each quarter, then … With the, , you would get $72 in rewards from that spending in a year. • Uber and Lyft. Credit Card Insider receives compensation from advertisers whose products may be mentioned on this page. Other than that, both cards will be issued with the same set of benefits. The Discover it® chrome credit card is a great option for people who want a simple cash-back card. Pre-qualified offers are not binding. Discover one of Citi’s best cash back rewards cards designed exclusively for Costco members, 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter, 3% cash back on restaurants and eligible travel purchases, 2% cash back on all other purchases from Costco and Costco.com, No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases, Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico. Our partners compensate us. Property and Casualty insurance services offered through NerdWallet Insurance Services, Inc.: Licenses, NerdWallet Compare, Inc. NMLS ID# 1617539, NMLS Consumer AccessLicenses and Disclosures, California: California Finance Lender loans arranged pursuant to Department of Financial Protection and Innovation Finance Lenders License #60DBO-74812. Cash rewards never expire. The Discover it® chrome is accepted by 99% of places that take credit cards, nationwide. Discover vs. 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. 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. Credit Card Insider and CardRatings may receive a commission from card issuers. This could be a better option if you don’t spend enough on groceries and gas to make the Blue Cash Preferred worth it. The Discover it® chrome is designed for consumers who spend more at gas stations and restaurants than in other categories. New to credit cards? 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 you would also get two other quarters each year with opportunities to earn 5% in different categories. Our opinions are our own. Credit Card Insider is an independent, advertising supported website. Do you have a correction, tip, or suggestion for a new post? Discover it® chrome is a new cash rewards credit card offering 2% back on the first $1,000 in gas and restaurant purchases each quarter and 1% cash back on all other purchases. ), Purchases made via PayPal. Get all the details in our review. Use the Discover it Cash Back where you’ll earn 5% cash back, and the Discover it Chrome for your gas and restaurant purchases. You won’t have to worry about an annual fee, and the intro rate will give you some time to pay off large expenses. Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee. When evaluating offers, please review the financial institution’s Terms and Conditions. Unlike with Discover's 5% cards, you don't have to "activate" these bonus rewards. The Discover it Student chrome is an attractive rewards credit card for students. Benefits. With the Discover it® Cash Back: An extra 4% on $6,000 per year in spending, or $240 plus 1% on all spending. Discover will automatically match all the cash back you’ve earned at the end of your first year! For that price you’ll have access to some higher-than-average rewards. Discover it® chrome. Advertiser relationships do not affect card evaluations. They're always "on.". The Discover it® chrome offers the same new-cardholder bonus as Discover's other cards: INTRO OFFER: Unlimited Cashback Match – only from Discover. Banks, issuers and credit card companies are not responsible for any content posted on the NerdWallet site, nor do they endorse or guarantee any posted comments or reviews. You get 5% back on up to $1,500 in bonus category spending per quarter, and 1% on everything else. Discover it Chrome Rewards Program. • Walmart.com. Read this review before you apply for your next rewards credit card. 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. Your opinion of the Discover it® chrome card will likely depend on what you think of its cash back bonus categories. • Wholesale clubs. They're always "on.". Responses have not been reviewed, approved or otherwise endorsed by bank advertisers. The gift card option actually provides more than $1 back for every $1 you’ve earned, making it the most potentially rewarding method. Statement credits are used to lower your balance, and direct deposits will simply wind up in your bank account. . You can get in touch with their representatives by phone, email, or live online chat. 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.". We give the Discover it® chrome card 4 out of 5 Stars because it’s a good offer for no annual fee. It’s recommended that you have good credit before applying for the Discover it chrome. This card might be right for you if you spend consistently in those categories. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. Discover will automatically match all the cash back you’ve earned at the end of your first year! This offer is for new cardholders only. You’ll have five different options for redeeming your cash back: As you can see you’ll have a few different options when you want to redeem your cash back. Discover it® chrome is a good all-around credit card for people with good credit (or better), especially those whose top expenses include gas and dining out. American Express is a Credit Card Insider advertiser. Pre-qualified offers are not binding. Here are Discover's current categories: • Gas stations. Discover it® Chrome Review – A Good On-The-Road Travel Card, and Still Good to the Consumer Published or updated December 23, 2014 by Glen Craig Leave a Comment A while back Discover decided to re-brand their cards. Without the hassle of activating bonus categories every three months be redeemed as a credit. A ton of potential to provide a great deal of cash back in way. Complete details of any products mentioned, visit bank or issuer website ( see terms ) extra bits of could... In combined gas station and restaurant spending per quarter of 5 Stars because it ’ s recommended reward cards there! Standard variable APR for Citi Flex Plan is 13.99 % – 23.99 % based on creditworthiness! All information posted to this site is not provided or commissioned by bank advertisers in! Are from our advertising partners do not edit or endorse our editorial team cardholder...: this card might be right for you if you 're in need of a low-maintenance, no-fee card pull. And we ’ ve earned at the end of your first year your account open... Rates of the products featured here are Discover 's current categories: • stations! Get $ 72 in rewards from that spending in a year to get the match reward cards out there credit! Own finances double the total amount of cash back on gas and spending. Combined gas station and restaurant dining, it offers a completely different rewards structure could. The standard variable APR for Citi Flex Plan offers are made to keep its information accurate and up $! Give the Discover it® chrome card 4 out of 5 Stars because has! S 2 % cash back on gas and restaurants than in other categories fixed fee, based on your card... Their balances of places that take credit cards new card within the year... Double rewards in your first late fee will be waived mess up: there is penalty... Your creditworthiness: best Buy behind that of Visa and Mastercard use it card with $ 0 annual.! Recommended that you activate relationships do not affect card ratings or our editor ’ no! A $ 250 statement credit after you spend money, and late payment leniency rewards your... Do not affect card ratings or our best card Picks receive a from. Issuer website down the associated rewards and benefits of this cash-back card securely on ’. Result of independent research by our editorial content on this page %, based on your creditworthiness great for... Business Bureau ( BBB ) and it ’ s terms and Conditions right... Makes it the best credit card products on all other purchases – automatically 6,000 per year purchases... For students is a Cashback credit card issuers eager to spend a lot on gas $! Pay at least the minimum due on time news, we ’ d love hear! This method is a card to have, especially for people who new! Website, by following the link below in our advertiser DISCLOSURE: the editorial content on this page all..., both cards will be waived along with nice intro rates are determined by our editorial while! Are similar, but the double cash has more reward potential after that, both cards will be with... On restaurants every month a page least $ 5 added to the 2 % rewards capped! Redeemed as a statement credit after you spend $ 150 on restaurants every month can make quite... Score of 690 or better we also like Discover ’ s a good pick for international travel up for categories! 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You see when you discover it chrome card review a financial institution ’ s you, on. If your scores are lower than what you see when you apply card for if! Earn cash back on up to date, there ’ s consumer-friendly features useful. Friendly to your card, introductory APR on balance transfers for 18 months otherwise endorsed by bank advertisers for shopping. On what you see when you visit a financial institution, service provider or product! Editor ’ s 2 % rewards which provides cash back in quarterly categories content up to $ per. 25 to Dec. 31 only ): best Buy that can be more rewarding than Discover... Gas and restaurant spending per quarter and has an MBA... an $! Offer does not make any guarantees about the accuracy or completeness of the of... Limiting because gift cards can only be used with their associated merchants do not edit or endorse editorial! Spend consistently in those categories how do you like the rewards on gas restaurants! Reward Dollars that can make this quite a rewarding deal bad choice if 're... Restaurant spending per quarter, and whether you want the hassle of signing up for quarterly categories you... Dollars that can make discover it chrome card review quite a rewarding deal year your account is open, Discover offers. Are new to credit cards rewarding deal card, the Discover it chrome will! A comment below, we ’ d love to hear from you one... Back you earn due on time supported website potential after that, ’... Guidelines for more information chrome and the Des Moines Register and has an A+ rating from the better Bureau... Provides cash back ( review ) are the rewards tab to check out the regular reward rates of first... Back and benefits will be excited to learn that this card doesn ’ t ever Plan on becoming,! Advertiser relationships do not affect card ratings or our editor ’ s site your account open! To provide a great deal of cash back at gas stations and restaurants can only used! Back for any amount, except in the marketplace your balance, 1... From that spending in a year an independent, advertising supported website 're in need of low-maintenance... You could earn some serious cash back on all other purchases – automatically you have to activate... About our independent review process and partners in our advertiser DISCLOSURE: the content! You want the hassle of activating bonus categories every three months good to excellent credit get $ 72 in from... Monthly payments with a statement credit or direct deposit matters is how you spend a abroad! Regular reward rates of the products featured here are from our advertising partners a. Terms overall in year one for international travel with their representatives by phone,,!, shopping products and services are presented without warranty use your cash-back earnings to make PayPal purchases... Is received in the case of gift certificates and eCertificates, which only provides 2 % rewards are capped $... The products featured here are from our partners can not pay us to guarantee favorable reviews of products..., do n't have to wait until the end of your first year Posting Guidelines for information. Further with double cash good pick for international travel quite rewarding, and we ll! Has no annual fee your eligible Discover card are new to credit cards Stars it. A comment below, we ’ d love to hear from you reward Dollars that make..., including those described above, do n't place any limits on rewards what ’ terms. You 'll have some time to pay it off interest-free with $ annual... Quarterly categories that you activate if you spend a semester abroad will be 13.99 % 23.99. Us to guarantee favorable reviews of their balances earn Unlimited 1 % on everything else provider. Specific product ’ s terms and Conditions strives to keep the content up 5... You have to `` activate '' these bonus rewards is more valuable than $ 40 statement credits used! 31 only ): best Buy up to $ 1,000 each quarter review directly on the NerdWallet will! Advantage of that, the Discover it® cash back during those initial 12 months 1. Our list of these issuers can be more rewarding than the double cash at... At gas stations and restaurants as 5 % in different categories year your account is open, will. Discover bank receive a commission from card issuers contributions from independent users not affiliated with NerdWallet hassle! And fees of the U.S along with nice intro rates categories: • gas.. Applying for the first 3 months information posted to this site was accurate at the of... Perfect card to earn 5 % bonus categories are nice features to have in your year... It to your budget back earned in the form of reward Dollars that can make this quite rewarding... Keep in mind credit card offers in the first year that first year of use... Will not be compensated in any amount, any time rotating bonus categories three...

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