How Does LendingTree Get Paid?
LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.
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Advertising Disclosure
LendingTree is an advertising-supported comparison service. The site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products. We are compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order).

Advertising Disclosure

LendingTree is an advertising-supported comparison service. The site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products. We are compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order).
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American Express Disclosure
Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

American Express Disclosure

Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

Discover it® Chrome Review

Updated on:
Content was accurate at the time of publication.
LendingTree's Review

How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.
4.1
Discover it<sup>®</sup> Chrome
Intro APR
0% Intro APR for 6 months on purchases and 0% Intro APR for 18 months on balance transfers, then 18.74% - 27.74% Variable APR
Rewards Rate
2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. 1% unlimited cash back on all other purchases - automatically
Ongoing APR
18.74% - 27.74% Variable APR
Editorial Note: shortenedCCEditorialNote
Citi is an advertising partner.

Our take: The Discover it® Chrome could be a good rewards card if you frequently spend on gas stations and restaurants. It also offers a valuable sign-up bonus, especially if you spend a lot.

Is the Discover it® Chrome a good card?

One of the most rewarding benefits of the Discover it® Chrome is its sign-up bonus: Unlimited Cashback Match for all new cardmembers–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.

Most no-annual-fee rewards cards offer a capped $200 or $300 sign-up bonus, but the Discover it® Chrome gives you the chance to potentially earn more.

One of the downsides of the card is its cap on elevated rewards — you’ll only earn $20 in cash back per quarter on gas stations and restaurants combined. If you’re looking to earn a higher cash back rate on rotating quarterly categories, the Discover it® Cash Back may be a better fit. You’ll 5% cash back at different places each quarter up to the quarterly maximum when you activate. 1% unlimited cash back on all other purchases - automatically

Quick facts

    • INTRO OFFER: Unlimited Cashback Match for all new cardmembers–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.
    • Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
    • Get a 0% intro APR for 18 months on balance transfers. Then 18.74% to 27.74% Standard Variable APR applies, based on credit worthiness.
    • Redeem your rewards for cash at any time.
    • Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
    • No annual fee.
    • Terms and conditions apply.
  • Recommended Credit
    Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
  • 660 720 850
    Good / Excellent
  • Free FICO Score
  • Freeze and unfreeze your card online or in the app
  • Access customer service based in the U.S. 24/7

Intro Purchase APR

0% Intro APR for 6 months

Regular Purchase APR

18.74% - 27.74% Variable APR

Intro BT APR

0% Intro APR for 18 months

Regular BT APR

18.74% - 27.74% Variable APR

Annual Fee

$0

Cash Advance Fee

Either $10 or 5% of the amount of each cash advance, whichever is greater.

Foreign Transaction Fee

None

Balance Transfer Fee

3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*

Pros and cons

  • Gas and restaurant rewards
  • Potentially valuable sign-up bonus
  • Long intro APR period on balance transfers
  • $0 annual fee
  • Spending cap on higher rewards rate
  • Low general rewards
  • Balance transfer fee
  • Sign-up bonus isn’t earned quickly

What we like about the Discover it® Chrome

  • Gas and restaurant rewards

    Cardholders 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. 1% unlimited cash back on all other purchases - automatically Purchases made at merchants classified as gas stations and full-service restaurants, cafes, cafeterias and fast-food locations qualify for the higher rewards rate, while those made at warehouse clubs, wholesale distributors and discount stores do not.

    Rewards never expire and can be redeemed for statement credits, electronic deposits to your bank account, charitable donations, gift cards or Amazon and PayPal purchases.

    Just know, there are rewards credit cards available that offer up to 2% cash back or more on every purchase you make, like the Wells Fargo Active Cash® Card.

  • Potentially valuable sign-up bonus

    For new cardmembers, there’s a unique sign-up bonus: Unlimited Cashback Match for all new cardmembers–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.

    If you max out the $1,000 spending limit each quarter by making $1,000 in gas station and restaurant purchases, you’ll earn $80 cash back on those purchases at the end of the year. Once you factor in the cashback match bonus, that amount jumps to $160.

    After the first year of having the card, the Discover cashback match bonus ends.

  • Long intro APR period on balance transfers

    For balance transfers, the Discover it® Chrome offers a 0% Intro APR for 18 months, after which a 18.74% - 27.74% Variable APR applies.

  • $0 annual fee

    The Discover it® Chrome comes with a $0 annual fee. It also charges no foreign transaction fee, so this card is light on fees overall.

What to watch out for with the Discover it® Chrome

  • Spending cap on higher rewards rate

    With the Discover it® Chrome, cardholders are limited to earning the higher rewards rate to the first $1,000 in combined gas station and restaurant purchases each quarter.

    If you want to earn more cash back on every purchase, a card like the Wells Fargo Active Cash® Card, which lets you earn unlimited 2% cash rewards on purchases, could be a better fit.

  • Low general rewards rate

    If you’re a foodie and a road warrior, the Discover it® Chrome could work fine for you, but it’s possible to earn higher rewards rates on dining and gas. For example, the Blue Cash Preferred® Card from American Express has a $0 intro annual fee for the first year, then $95. Plus, it has a stellar rewards program: Earn 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 6% Cash Back on select U.S. streaming subscriptions, 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more), 1% Cash Back on other purchases. Terms apply.

    *To see rates & fees for Blue Cash Preferred® Card from American Express, please click here.

  • Balance transfer fee

    The Discover it® Chrome charges a 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*.

    It’s worth noting that a 3% fee is pretty standard on balance transfer cards, and you may still end up saving money compared to what you’d pay in interest charges. Just make sure to do the math and ascertain whether the transfer is worth it for your financial situation.

  • Sign-up bonus isn't earned quickly

    The Discover it® Chrome‘s sign up bonus is unique and can be more valuable than other cards if you spend enough. However, you won’t see your cash back bonus until after a year of having the card.

    Many other cards allow you to earn your sign-up bonus after just three to six months.

Alternate rewards cards

Discover it® Chrome vs. Discover it® Cash Back

| Disclosures
Discover it® Cash Back*
Discover it<sup>®</sup> Cash Back
Learn More
0% Intro APR for 15 months
18.74% - 27.74% Variable APR
$0
5% cash back at different places each quarter up to the quarterly
  • INTRO OFFER: Unlimited Cashback Match for all new cardmembers–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. You could turn $150 cash back into $300.
  • Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
  • Redeem your rewards for cash at any time.
  • Apply and you could get a decision in as little as 60 seconds. No annual fee.
  • Start shopping and earning rewards in minutes with our digital card, before your physical card arrives in the mail, if eligible.
  • Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
  • Get a 0% intro APR for 15 months on purchases. Then 18.74% to 27.74% Standard Variable Purchase APR applies, based on credit worthiness.
  • Terms and conditions apply.
660 720 850
Good / Excellent
*The information related to the Discover it® Cash Back has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.


 
If you like most of what the Discover it® Chrome has to offer, but want the opportunity to earn a higher cash back rate in a variety of spending categories, the Discover it® Cash Back could be best for you.

The main difference between the Discover it® Chrome and Discover it® Cash Back is instead of a flat cash back rate and elevated earning in gas stations and restaurants, the Discover it® Cash Back offers cash back in popular categories that rotate quarterly. However, the rotating categories require activation.

You’ll 5% cash back at different places each quarter up to the quarterly maximum when you activate. 1% unlimited cash back on all other purchases - automatically

You have the potential to earn much more cash back each year if you max out the card’s bonus spending limit. The quarterly maximum is $1,500, allowing you to earn up to $75 cash back in the 5% categories each quarter. Purchases over $1,500 in the bonus categories earn an unlimited 1% cash back.

Discover it® Chrome vs. Blue Cash Preferred® Card from American Express

| Disclosures
Blue Cash Preferred® Card from American Express
Blue Cash Preferred® Card from American Express
apply-now-icon Apply Now
on American Express's secure site
Rates & Fees
| Terms Apply
0% on purchases for 12 months
18.49%-29.49% Variable
$0 intro annual fee for the first year, then $95.
Earn 6% Cash Back at U.S. supermarkets on up to $6,000 per
  • Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
  • $0 intro annual fee for the first year, then $95.
  • Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
  • Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 18.49% - 29.49%.
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% Cash Back on select U.S. streaming subscriptions.
  • 3% Cash Back at U.S. gas stations.
  • 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
  • 1% Cash Back on other purchases.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
  • $84 Disney Bundle Credit: With your enrolled Blue Cash Preferred Card, spend $9.99 or more each month on an auto-renewing Disney Bundle subscription, to receive a monthly statement credit of $7. Valid only at Disney Plus.com, Hulu.com or Plus.espn.com in the U.S.
  • Terms Apply.
660 720 850
Good / Excellent

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.


 
The Blue Cash Preferred® Card from American Express has a $0 intro annual fee for the first year, then $95. That fee can be worth it for people who spend a lot on groceries. You’ll earn 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 6% Cash Back on select U.S. streaming subscriptions, 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more), 1% Cash Back on other purchases. Terms apply. Cash back can easily be redeemed for statement credits or at Amazon.com checkout.

Although it has an annual fee, you can potentially earn more with it than the Discover it® Chrome if you frequently shop at U.S. supermarkets. It has a much higher rewards rate on that category up to $6,000 per year — but also higher rewards on U.S. streaming subscriptions, U.S. gas stations and transit.

If you don’t mind paying an annual fee, the Blue Cash Preferred® Card from American Express is likely a better fit. Plus, it comes with an $84 credit for The Disney Bundle (enrollment required) to help cover the annual fee.

Discover it® Chrome vs. Citi Double Cash® Card

| Disclosures
Citi Double Cash® Card
Citi Double Cash® Card
apply-now-icon Apply Now
on Citibank's secure site
Rates & Fees
N/A
18.49% - 28.49% (Variable)
$0
Earn 2% on every purchase with unlimited 1% cash back when you
  • Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25.
  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.49% - 28.49%, based on your creditworthiness.
  • Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
  • 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 is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
600 660 720 850
Fair / Good / Excellent

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.


 
The Citi Double Cash® Card is a great $0-annual-fee cash back card. The Discover it® Chrome only offers 2% cash back on select categories up to a point, but the Citi Double Cash® Card lets you earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25.

Although the Citi Double Cash® Card can offer unlimited rewards, not earning your rewards all at once can be confusing for cardholders. However, like the Discover it® Chrome card, the Citi Double Cash® Card offers a long intro APR on balance transfers: 0% intro APR for 18 months on Balance Transfers; then a 18.49% - 28.49% (Variable) APR applies.

So if you’re looking for a cash back card that you can also use for a balance transfer, the Citi Double Cash® Card may be a good option. If you’re looking for a simpler option, though, the Discover it® Chrome could be best.

Is the Discover it® Chrome right for you?

If you want to earn rewards on every purchase you make, the Discover it® Chrome card and the Discover it® Cash Back are both solid options. But if you spend a large amount on gas and dining each month, the Discover it® Chrome card may be the best choice.

On the other hand, if you want the opportunity to earn a higher cash back rate in a broader range of categories that rotate each quarter, the Discover it® Cash Back card can help you do that — as long as you activate those categories.

*To see rates & fees for Blue Cash Preferred® Card from American Express, please click here.

To see rates & fees for American Express cards mentioned on this page, visit the links provided below:

The information related to the Discover it® Chrome, Discover it® Cash Back and Wells Fargo Active Cash® Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

The content above is not provided by any issuer. Any opinions expressed are those of LendingTree alone and have not been reviewed, approved, or otherwise endorsed by any issuer. The offers and/or promotions mentioned above may have changed, expired, or are no longer available. Check the issuer's website for more details.