4.2 / 5
- Welcome
- 50,000 points
- Annual fee
- $0
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Discover · rewards
Discover it Chrome
3.9 / 5
Discover Cashback Bonus · Personal card
The 2% category is narrow and capped at $1,000 a quarter, but doubling your entire first year of cash back with no minimum spend is real value on a card that charges no annual fee.
At a glance
- Welcome bonus
- No welcome bonus
- No spend requirement
- Annual fee
- $0
- Purchase APR
- 17.49% to 26.49%
- Intro: 0% for 15 months
- FX fee
- None
- BT intro: 0% for 15 months
Editorial
Our take
The 2% category is narrow and capped at $1,000 a quarter, but doubling your entire first year of cash back with no minimum spend is real value on a card that charges no annual fee.
Verdict
Pros & cons
Pros
- First-year cash back matched dollar-for-dollar, no cap
- 0% intro APR for 15 months on purchases and balance transfers
- No annual fee
- No foreign transaction fees
Cons
- 2% category capped at $1,000 in combined spend per quarter
- No lump-sum welcome bonus beyond the match
- Requires good to excellent credit
Earnings
Earn rates
| Category | Rate | Notes |
|---|---|---|
| Gas stations & restaurants | 2% | Combined quarterly cap of $1,000 in purchases, then 1%·cap $1,000 |
| All other purchases | 1% |
Benefits
Key benefits
Cashback Match
Discover automatically doubles all the cash back you earn during your first 12 months as a cardmember.
0% Intro APR
Pay 0% APR on purchases and balance transfers for 15 months, useful for a big purchase or paying down debt.
No Annual Fee
Keep the card open for free, no annual fee ever.
No Foreign Transaction Fees
Use the card abroad without extra fees.
Fit
Who this is best for
- Cash back beginners who want a simple no-fee card
- People who spend steadily on gas and restaurants
- Anyone planning a 0% intro APR purchase or balance transfer
FAQ
Frequently asked questions
What is the Discover it Chrome welcome bonus?
Discover automatically matches all the cash back you earn in your first year as a cardmember, with no minimum spend and no limit on the match.
Does the Discover it Chrome charge an annual fee?
No. The Discover it Chrome has a $0 annual fee.
Does the Discover it Chrome have a foreign transaction fee?
No. The Discover it Chrome charges no foreign transaction fee, so it works well for international purchases.
Does the Discover it Chrome offer a 0% intro APR?
Yes. The card offers an intro APR of 0% for 15 months on purchases. The ongoing purchase APR is 17.49% to 26.49% variable.
Who is the Discover it Chrome best for?
Cash back beginners who want a simple no-fee card. People who spend steadily on gas and restaurants. Anyone planning a 0% intro APR purchase or balance transfer.
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