Apr on discover card

Discover It Chrome Card Review: 0% Intro APR for 14 months + $100 Referral Bonus + 2% Cash Back at Gas and Restaurants

Apr on discover cardSign up for the Discover It Chrome Card and get a low Intro APR of 0% for 14 months while also earning 2% back at restaurants and gas stations! If you are looking for a simple and straightforward card to have in your wallet, this might be the perfect one for you. Please continue to read below to read all about the card’s benefits and get a referral link provided by us for additional cash back in your pocket!

0% APR Balance Transfer Categories

You are given an intro APR rate of 0% for 14 months on purchases and balance transfers. After that, a variable APR will apply, 11.74% – 23.74% based on your creditworthiness. Additionally, there is a balance transfer fee of 3% of the amount of each transfer .

If you’re carrying a balance on other high-APR cards you can save some money but transferring your balance over to this card. That makes it a decent option for those looking to finance a big purchase or pay down existing debt.

You can earn even more rewards when you shop on Discover’s online mall site. How it works is you can go through the portal to some of your favorite eligible retailers and make a purchase(s) with your Discover card. After doing so, you can earn an additional cash back bonus anywhere between 5% to 20%.

Editor’s Note: For more credit cards that offer 0% APR on balance transfers, see our list of the Best 0% APR Balance Transfer Credit Cards.

If we were to compare this cash back rewards with others, earning 2% at gas stations with no cap and no expiration date is average but worth while. This is beneficial for those who are commuters or may own vehicles with larger gas tanks to fill.

Editor’s Note: For more credit cards that offer cash back for gas purchases, see our list of the best credit cards related to gas purchases.

Table of Contents

  • Earn 0 % Intro APR for 14 months on purchases and balance transfers
  • 2% cash back at gas and restaurants on up to $1,000 in combined purchases each quarter
  • 1% cash back on all other credit card purchases
  • You can redeem your cash back for any amount at any time and your cash back never expires
  • Discover automatically match all the cash back you’ve earned at the end of your first year on your credit card
  • Use your rewards instantly at Amazon.com checkout
  • Paying late won’t raise your APR
  • Late fee for your first late payment is waived
  • There is no over-limit fee
  • No foreign transaction fees
  • No annual fee

Discover It Chrome Card: If this bonus appeals to you, click this link to learn more now!

Discover It $100 Referral Bonus: If you’re looking to sign up for an outstanding credit card, support BankDealGuy and apply through our referral link to earn a Discover It $100 Referral Bonus by the end of your first year! Once you sign up, see below on how you can earn your own referral bonuses!

For this offer, you are eligible to get a 0% Intro APR for 14 months on purchases and balance transfers when you open an account. After the introductory period ends, the standard purchase APR will be applied.

With the Discover It Chrome Card, there is no annual fee and it provides you access to your FICO score each month so you can be up to date with your credit score. But is this card fitting for you?

  • drive often – 2% back for all gas purchases (up to the quarterly limit)
  • dine out frequently – 2% back for all restaurant purchases (up to the quarterly limit)
  • are a student – once you have the card, you’re all set to earn rewards
  • want to earn a bonus – at the end of your first year, Discover will match all the cash back you earned over the past 12 months

In addition, you don’t have to keep up with changing bonus categories as you would with the Discover it when you earn your rewards.

And if you’re a student, this card will appeal to you even more. You’ll be please to know that there is no annual fee and no foreign transaction fee. So for any students who study or travel abroad, this is a great option!

Provide feedback in the comment section below by telling us your thoughts and experience with this card. Make sure to visit BankDealGuy for more credit cards that offer 0% APR on balance transfers. See our list of the Best 0% APR Balance Transfer Credit Cards.

Anthony Nguyen, founder of BankDealGuy.com, has a passion for finding the best bank deals and bank rates. With over 10 years of experience, he is dedicated to bring you the latest bank promotions! Contact Anthony for media/advertising.

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Apr on discover card

Apr on discover cardCIT Bank Premier High Yield Savings Account -Earn a $100 cash bonus when you open a savings account with a monthly balance of at least $15,000 and maintain that for 3 monthly statement cycles. Plus you’ll get to enjoy a high savings account rate of 1.30% APY! Be sure to enter promo code PREMIER when opening a new account to earn your bonus and high APY! Apply Now – CIT Bank Review

Apr on discover cardChase Premier Plus Checking SM – Earn a $300 bonus when you open a new Chase Premier Plus Checking SM account and set up direct deposit. Banking with Chase gives you access to over 16,000 Chase ATMs and 5,100 branches. Get $300, more benefits, and earn interest on your new Chase checking account. Discover the benefits today! Apply Now — Review

Apr on discover cardSynchrony High Yield Savings Account – Available nationwide, Synchrony Bank is offering you 1.20% APY on your funds with a new High Yields Savings Account. Have peace of mind knowing your funds is FDIC Insured. Apply Now— Review

TD Bank Premier Checking – Earn $300 bonus when you set up $2,500 in direct deposits within 60 days. Earn interest, enjoy free perks and pay no ATM fees anywhere you go. Apply Now— Review

TD Bank Convenience Checking – Earn a $150 bonus when you set up $500 in direct deposits within 60 days. No maintenance fee when you keep a low minimum balance, plus great discounts. Apply Now— Review

Barclaycard CashForward TM World Mastercard ® – Upon approval, you can earn a $200 bonus after completing $1,000 in purchases in the first 90 days after account opening. Earn 1.5% cash back for all purchases. Apply Now— Review

Barclaycard Arrival Plus TM World Elite Mastercard ® – Upon approval, you can earn 50,000 Bonus Miles after completing $3,000 in purchases within 90 days of account opening. Apply Now— Review


Review of the Discover it® and the Discover it® chrome

May 10, 2016 | Updated Sep 28, 2016

Although Credit Card Insider does receive compensation from some card issuers as advertisers, this does not in any way influence our overall judgement of a card. Discover has not endorsed this content in any way.

Discover offers two versions of its popular “it” line of rewards cards: the Discover it and the Discover it chrome.

The first provides 5% cash back in categories that rotate every 3 months, while the second offers 2% back in one particular category throughout the whole year.

There’s also a great promotional bonus offer to double the amount of rewards you’ll earn, along with a number of handy shopping and travel benefits.

We look at both cards in depth to help you find the right one.

For People with

  • Double all the cash back you've earned at the end of your first year automatically - only for new cardmembers*
  • 5% cash back in categories that change each quarter like gas, restaurants, Amazon.com and more - up to the quarterly maximum when you sign up.* 1% cash back on all other purchases.
  • 0% intro APR on purchases & balance transfers for 12 months-then a variable purchase APR applies, currently 11.74%–23.74%. A 3% fee applies to each transferred balance.
  • New Freeze It SM on/off switch lets you prevent new purchases, cash advances & balance transfers on misplaced cards in seconds by mobile app & online.*
  • Free FICO® Credit Score on statements, online & by mobile app.* And 100% U.S.-based service any time.
  • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on first late payment & paying late won't raise your APR.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text and never responsible for unauthorized purchases on your Discover card.
  • *See rates, rewards, free FICO® Credit Score terms & other info by clicking “Apply.”

For People with

  • Double all the cash back you've earned at the end of your first year automatically - only for new cardmembers*
  • 2% cash back on up to $1,000 in combined purchases at restaurants and gas stations every quarter-no sign-ups needed.* 1% cash back on all your other purchases.
  • 0% intro APR on purchases & balance transfers for 12 months-then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • New Freeze It SM on/off switch lets you prevent new purchases, cash advances & balance transfers on misplaced cards in seconds by mobile app & online.*
  • Free FICO® Credit Score on statements, online & by mobile app.* And 100% U.S.-based service any time.
  • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on first late payment & paying late won't raise your APR.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text and never responsible for unauthorized purchases on your Discover card.
  • *See rates, rewards, free FICO® Credit Score terms & other info by clicking “Apply.”

Once you’ve been approved for the Discover it card, you can log in to your account at discover.com. You’ll see all of your account details, and a variety of options to view your finances, manage your account, redeem rewards, and request services.

Apr on discover card

Logging in to your Discover account

Apr on discover card

Discover account details page

These cards offer rewards in quite different ways, and chances are one of them will fit into your spending patterns fairly well.

The Discover it offers rotating reward categories that change throughout the year, while the Discover it chrome has reward categories that don’t change.

There is currently a promotional offer to double the cash back you earn after 1 year of usage, making these some of the most rewarding cards on the market. This is a great deal, one you probably won’t find on any other card.

Substantial cash back and discounts can also be found in the Discover Deals marketplace, for a variety of retailers including Sears, Kohl’s, TurboTax, Walmart, The Apple Store, Walgreens, and more.

  • 5% cash back in categories that rotate throughout the year (see calendar below)
  • 1% cash back on all other purchases
  • Double the cash back you earn after one year
  • 5 – 20% cash back at a variety of retailers through the Discover Deals shopping portal

The cash back calendar for 2016 is:

Stores, and Amazon.com

You can redeem your points as a statement credit, which is the typical way, or you can use them to pay for purchases directly through Amazon.

  • 2% cash back on gas and at restaurants (up to $1,000 per quarter)
  • 1% cash back on all other purchases
  • Double the cash back you earn after one year
  • 5 – 20% cash back at a variety of retailers through the Discover Deals shopping portal

Other than that, the details about cash back redemption described above for the Discover it also apply to this card.

Both of these cards, the Discover it and the Discover it chrome, come with exactly the same additional benefits.

View your FICO score any time you’d like at no cost and without hurting your credit score. Based on your TransUnion credit report.

Apr on discover card

Oh student loans, what will I do without you?

Choose from a number of different designs to personalize your card, including several chrome colors, a variety of designs, and a wide selection of NHL team logos.

  • You have up until midnight of the due date to pay your bill, online or by phone.

  • Freeze your account when you lose your card, and unfreeze it when you find it. Use the Freeze button on the Discover website or mobile app, or call customer service.

  • Free overnight shipping in the U.S. if you need your card replaced.

  • Use the Spend Analyzer tool to view your purchases by category and get insights into your spending habits.

  • Discover Freeze feature

    Cardholders are not held responsible for unauthorized purchases on this card.

    Provides coverage against damage or theft, up to $500 per eligible item.

  • If you find an item you bought being advertised for a lesser price within 90 days of purchase, you can be reimbursed for the difference.

  • Adds up to 1 year to a manufacturer’s warranty of 3 years or less.

  • Items can be returned even if the manufacturer won’t take them back, up to $500 and for up to 90 days after the date of purchase.

  • When shopping at participating locations, you can get cash back immediately by charging an additional amount over your purchase.

  • Covers rented vehicles against collision damage when the car rental company’s insurance is declined.

  • You and your family are automatically covered on airline flights, up to $500,000.

  • Apr on discover card

    Discover’s Spend Analyzer tool

    As you can see, the Discover it and Discover it chrome cards are more alike than they are different.

    Each offers the same interest rates, with the same zero percent introductory rate and additional fees. You’ll get the same additional benefits as well.

    The real difference between these cards is the rewards structure.

    Check your typical spending habits: would you profit more from having a steady 2% cash back on gas and restaurants throughout the year, or would you get more from the rotating 5% cash back categories? Remember, that will be 4% and 10% cash back for the first year after Discover doubles it.

    Without making any changes, which card would fit best into your normal shopping?

    Or, if you think you’d benefit from using both cards, don’t be afraid of applying for both. Just use the Discover it whenever you’ll get the 5% cash back, and use the it chrome card for gas and at restaurants. Far from hurting your credit, having several credit cards can actually help to improve your credit score.

    Want to apply for or learn more about one of these cards? Just click the card’s name below.

    For People with

    • Double all the cash back you've earned at the end of your first year automatically - only for new cardmembers*
    • 5% cash back in categories that change each quarter like gas, restaurants, Amazon.com and more - up to the quarterly maximum when you sign up.* 1% cash back on all other purchases.
    • 0% intro APR on purchases & balance transfers for 12 months-then a variable purchase APR applies, currently 11.74%–23.74%. A 3% fee applies to each transferred balance.
    • New Freeze It SM on/off switch lets you prevent new purchases, cash advances & balance transfers on misplaced cards in seconds by mobile app & online.*
    • Free FICO® Credit Score on statements, online & by mobile app.* And 100% U.S.-based service any time.
    • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on first late payment & paying late won't raise your APR.*
    • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text and never responsible for unauthorized purchases on your Discover card.
    • *See rates, rewards, free FICO® Credit Score terms & other info by clicking “Apply.”

    For People with

    • Double all the cash back you've earned at the end of your first year automatically - only for new cardmembers*
    • 2% cash back on up to $1,000 in combined purchases at restaurants and gas stations every quarter-no sign-ups needed.* 1% cash back on all your other purchases.
    • 0% intro APR on purchases & balance transfers for 12 months-then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
    • New Freeze It SM on/off switch lets you prevent new purchases, cash advances & balance transfers on misplaced cards in seconds by mobile app & online.*
    • Free FICO® Credit Score on statements, online & by mobile app.* And 100% U.S.-based service any time.
    • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on first late payment & paying late won't raise your APR.*
    • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text and never responsible for unauthorized purchases on your Discover card.
    • *See rates, rewards, free FICO® Credit Score terms & other info by clicking “Apply.”

    If you use one of these credit cards, how do you like it? Leave your own review of the Discover it card or the Discover it chrome, we’d love to hear from you!

    Discover It chrome is currently available by referral with a $50 Cashback Bonus when you make your 1st purchase within 3 months. It has no annual fee, includes Cashback Match at the end of your first 12 billing cycles, and lets you redeem your Cashback Bonus in any amount for a statement credit or an electronic deposit to your bank account. You get a 2% Cashback Bonus at gas stations and restaurants on up to $1000 in combined purchases each quarter, and 1% Cashback Bonus on all other purchases—with no limit on how much you can earn. Once you have this card, you can refer it to your friends and receive another $50 Cashback Bonus for each who accepts it, up to 10. So there is a potential for $550 in Cashback Bonus in addition to what you earn (and then double) from your spending!

    You are welcome to use my referral link (I may receive a Cashback Bonus myself).

    For People with

    For People with

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