Discover It® Chrome Credit Card Review – 2% Cash Back On Gas & Restaurants

Discover it® Chrome Credit Card is a great choice for those who are looking to maximize their cash back rewards. This card offers two percent cash back on gas and restaurant purchases, as well as one percent cash back on all other purchases. With no annual fee, this card makes it easy for consumers to benefit from its generous rewards program.

This article will review the features of the Discover it® Chrome Credit Card in detail, discussing the pros and cons associated with it so that potential customers can make an informed decision about whether or not this card is right for them. It will also look at how this credit card compares to similar cards offered by other financial institutions. Finally, strategies will be discussed which can help customers get the most out of their rewards points earned through using this credit card.

With these topics covered, readers should have a thorough understanding of what they need to know when deciding if they should apply for the Discover it® Chrome Credit Card.

Overview Of The Card

The Discover it® Chrome Credit Card is a cash rewards credit card that offers users 2% cash back on gas and restaurant purchases, up to $1,000 in combined purchases each quarter. Additionally, the card gives 1% unlimited cashback on all other spending plus double the normal amount of cashback earned at the end of their first year as a cardholder. This special offer applies for new customers only. In addition to earning rewards, this card comes with no annual fee and access to an array of premium benefits such as 0% intro APR for 14 months from date of account opening on purchases and balance transfers (afterwards variable rate will apply). Other features include fraud protection services, U.S.-based customer service available 24/7, free FICO® Credit Score through its mobile app, and more. The overall value provided by this card makes it an attractive option for those looking for a good day-to-day credit card with generous rewards opportunities.

Benefits And Rewards

The discover it® chrome credit card offers many rewards and benefits for its users.

  • Cash Back: Cardholders can receive 2% cashback on up to $1,000 in combined purchases at gas stations and restaurants each quarter. Additionally, they will receive 1% cash back on all other eligible purchases. Cashback is earned as Discover Cash which can be redeemed in any amount or used towards select gift cards, merchandise or travel options.
  • No Annual Fee: There are no annual fees associated with this card. This makes it a great option for those who don’t want an additional burden of paying an annual fee on top of their regular spending.
  • Signup Bonus: New members can also take advantage of the sign-up bonus that gives them 10% cash back after the first year if they spend more than $500 within three months from opening the account.

In addition to these benefits, Discover also offers various promotions throughout the year such as exclusive discounts, special deals and even free products when you shop using your card. All these features make it a great choice for anyone looking to get rewarded while making everyday purchases.

Eligibility Criteria

The discover it® chrome credit card is available to applicants who meet certain eligibility criteria. The primary requirements include having a valid social security number, being at least 18 years of age, and residing in the United States. Additionally, applicants must have an active bank account with a verifiable address that corresponds to their credit file.

In order to apply for this card, individuals need to provide information regarding their income and employment status; they may also be required to submit additional documents or proof of identity. Furthermore, those interested in obtaining this card are subject to a credit check by Discover Bank which will determine whether or not they can qualify for the card based on their past financial behavior as well as other factors considered during the review process.


Qualification Requirement
Social Security Number Valid US SSN
Age 18+ years old
Residence US resident
Bank Account Active & verified address matching credit report
Income Status/Proof of Identity Provide relevant documentation if needed
Credit Check Review Performed by Discover Bank based on prior financial history and other factors

Fees And Charges

The discover it® chrome credit card does not include an annual fee, which makes the card a good choice for those looking to avoid additional costs. It also includes a 0% introductory APR on purchases and balance transfers for 14 months after account opening. After that period, the variable APR will be 13.49%-24.49%. The penalty APR is up to 29.99%, should payments be made more than 60 days past due. Cash advances are subject to fees of either 10$ or 5 % (whichever is greater). There is no foreign transaction fee associated with this card, making it ideal for international travel. Late payments can result in late payment fees ranging from $15 – $37 depending upon the outstanding balance amount at time of delinquency. Additionally, any returned payments may incur a fee of up to $38.

How To Apply For The Card

The discover it® chrome credit card offers a convenient way to reap rewards from gas and restaurant purchases. With its 2% cash back on these categories, users can easily maximize their earnings with minimal effort. To apply for the card, applicants must be 18 years or older and have a valid government-issued identification number. Additionally, they will need to provide proof of residence as well as income information. After filling out the application form online, customers should receive an approval notification within minutes, allowing them to start using their new card right away.

It is important for potential applicants to read all the terms and conditions associated with the card before submitting their application. This includes understanding any annual fees that may be applicable, interest rates related to balances carried forward each month, other charges such as late payment fees and penalties, and rewards redemption policies. By taking time to research all relevant details first, customers can make an informed decision about whether this product is suitable for their particular needs.

Customer Reviews

The Discover it® Chrome Credit Card has received positive reviews from customers, who have praised its cash back rewards. Customers appreciate the 2% cash back on gas and restaurant purchases, as well as the 1% automatic cashback for all other purchases. Additionally, customers find that the 0% APR balance transfer offer is a great value. The card’s customer service department also receives high marks, with many customers finding it to be helpful and responsive in addressing issues or answering questions.

Customers also report satisfaction with the online account management features of the card. These features include tracking past transactions and viewing statements, which can be done quickly and easily through an online portal. This makes managing finances much simpler for customers, allowing them to stay organized without having to manually track every transaction.


The Discover it Chrome credit card offers an attractive range of rewards and benefits to its users. It provides 2% cash back on gas and restaurant purchases, as well as various other bonus categories for which the user can receive up to 5% cash back. Additionally, there are no annual fees associated with this card, making it a great choice for those looking for a low-cost way to earn rewards on their everyday spending.

Furthermore, the eligibility criteria required to qualify for this card is not overly stringent. Those who have good or excellent credit scores will likely find that they meet the requirements needed to apply successfully and be approved by Discover.

Ultimately, the Discover it Chrome credit card appears to be an ideal choice for consumers looking for a straightforward rewards program without any hidden costs or charges. With generous bonuses, no annual fee and easily achievable eligibility criteria, this card seems like a worthwhile option when considering what type of credit card best suits you.

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