Discover it Chrome Credit Card Review: Cash Back on Gas and Dining, but Spending Cap Limits Rewards

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Discover it® chrome

Discover it® chrome

Editor’s Score: (3.8/5)
Rewards rate:

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. Earn 1% unlimited cash back on all other purchases – automatically.

  • Intro bonus: Cashback Match™
  • Annual fee: $0
  • Regular APR: 11.99% – 22.99% Variable
  • Recommended credit score: 670-850 (Good to Excellent)

With the Discover it chrome card, you can earn 2% cash back at gas stations and restaurants (up to $1,000 in combined purchases per quarter) for no annual fee. Plus, Discover will double your rewards after the first 12 months through its Cashback Match program.

At a Glance

  • Earn 2% back on up to $1,000 spent at gas stations and restaurants each quarter (then 1% back)
  • Earn 1% back on all other purchases
  • Cashback Match bonus: double all the rewards you earn within the first 12 months
  • No annual fee
  • 0% APR on purchases and balance transfers for 14 months, followed by a variable APR of 11.99% to 22.99%

Pros

  • 2% cash back at gas stations and restaurants

  • Double your first-year rewards after 12 months

  • 0% introductory APR on purchases and balance transfers

  • No annual fee

Cons

  • 2% rewards capped after $1,000 each quarter

  • Rewards rate is lower than many other cash back cards

  • 3% balance transfer fee through Sept. 10, then 5% fee

Additional Card Details

Discover it chrome offers a few additional benefits, but its main value is in the rewards and Cashback Match bonus.

Pro Tip

Discover offers a first-year Cashback Match for Discover it Chrome cardholders. That means any rewards you earn through the first 12 months of account opening will be doubled at the end of your first year.

You’ll have access to your free FICO credit score through your online account or your monthly statement. You can also use Discover’s Freeze it option to lock and unlock your card account if you misplace your card, and if you plan to travel abroad, there’s no foreign transaction fee.

Plus, you’ll save on interest with 0% APR on purchases and balance transfers for 14 months, followed by a variable APR of 11.99% to 22.99%. This isn’t the longest intro offer available today, but it can be helpful if you want to make a large purchase and pay it down over time or consolidate high-interest debt.

Should You Get the Discover it chrome?

The Discover it chrome is worth considering for people who want to earn cash back rewards with no annual fee. If you like Discover but don’t want to deal with Discover it® Cash Back’s rotating quarterly categories, this card can make a simpler rewards alternative.

With that being said, the 2% back you earn on gas and dining with the Discover it chrome isn’t as valuable as the rewards offered by many other cash back credit cards. Not only are your bonus rewards limited to those two categories, but the 2% earn is capped after $1,000 in combined spending per quarter. That’s just $80 earned from 2% categories annually. 

Based on average American spending data, we estimate this card’s first-year value at $376.52, thanks to the Cashback Match bonus. But after that, the value falls to a more modest $188.26. 

The Discover it chrome is still a good cash back credit card, but consider other cash back cards that may help you further maximize rewards. A flat cash back card like the Citi® Double Cash Card, for example, offers 2% cash back on every purchase you make, with no spending cap. 

How to Use the Discover it chrome

After you’re approved for Discover it chrome, use it for all your purchases at gas stations and restaurants, at least until you reach $1,000 in purchases every quarter. 

For the first year, it can pay to use this card for all your spending, since you’ll double rewards through Cashback Match at the end of the first 12 months. After that, you’ll earn just 1% cash back on spending outside of rewards categories.

This card can be a good option if you have a big upcoming purchase to make. Not only will you forgo interest on new purchases for 14 months, but the first-year Cashback Match means you’ll earn double rewards. Just remember to pay down the balance before the intro period ends, in order to get the full benefit from your rewards without taking on interest charges.

You can also use this card to consolidate high-interest debt, since the 14-month 0% interest period also applies to balance transfers. However, be prepared to pay a fee on your balance.  The Discover it chrome card charges a 3% balance transfer fee on balances transferred by Sept. 10, 2021, after which the balance transfer fee goes up to 5%.

When you’re ready to redeem your cash back rewards, you can trade them in for statement credits, gift cards, Amazon.com purchases, or purchases made with PayPal. Rewards never expire, and you can redeem them in any amount at any time.

Discover it chrome Card Compared to Other Cards

Discover it® chrome

Discover it® chrome

Editor’s Score: (3.8/5)
  • Intro bonus:
    Cashback Match™
  • Annual fee:
    $0
  • Regular APR:
    11.99% – 22.99% Variable
  • Recommended credit:
    670-850 (Good to Excellent)
Discover it® Cash Back

Discover it® Cash Back

Editor’s Score: (4.7/5)
  • Intro bonus:
    Cashback Match™
  • Annual fee:
    $0
  • Regular APR:
    11.99% – 22.99% Variable
  • Recommended credit:
    670-850 (Good to Excellent)
Citi® Double Cash Card

Citi® Double Cash Card

Editor’s Score: (4.4/5)
  • Intro bonus:
    No current offer
  • Annual fee:
    $0
  • Regular APR:
    13.99% – 23.99% (Variable)
  • Recommended credit:
    670-850 (Good to Excellent)
  • Learn more externa link icon at our partner’s secure site.

Bottom Line

The Discover it chrome offers simple cash back rewards with no annual fee, but its limited categories and quarterly spending cap mean it may offer much less long-term value than other cash back credit cards.

Before you apply, make sure you compare Discover it chrome to other cards with rewards or intro periods that may better fit your spending habits and goals. 

Frequently Asked Questions

Is the Discover it chrome good for building credit?

This card isn’t targeted to people with bad credit or no credit history but, like any credit card, you can use it to build credit by making on time payments in full each month. For the best chances of qualifying for this card, however, you’ll need at least a good credit score (670 or higher).

Does the Discover it chrome charge foreign transaction fees?

The Discover it chrome does not charge foreign transaction fees.

How do you redeem rewards with the Discover it chrome?

Redeem your Discover it chrome rewards through your online or mobile account for statement credits, gift cards, purchases made through Amazon.com, Paypal purchases or charitable contributions.