Have you ever imagined earning cashback on everyday purchases, like at gas stations and restaurants, without having to pay an annual fee? With the Discover it Chrome credit card, this is possible, and you always come out ahead.
In addition, it comes with many other benefits that surprise customers every day. Through the Mastercard network, it can be used in hundreds of countries around the world and perfectly caters to different spending profiles.
Here, you will get to know up close everything this payment method has to offer. Keep reading, and by the end, find out how to apply for yours today!
Meet the Issuer
The Discover it Chrome is issued by Discover Financial Services, one of the leading financial institutions in the United States. Founded in 1985, the company stands out for offering a range of innovative financial products with a focus on customer experience.
Discover is committed to transparency and security, ensuring that its customers enjoy practical and accessible solutions. The company offers everything from credit cards to full banking services, always with the promise of making their users’ financial lives easier.
With a strong reputation in the market, Discover continues to expand its customer base, providing financial tools that reliably and efficiently meet the needs of modern consumers.
Main Benefits of the Card
Cashback on restaurants and gas stations: The Discover it Chrome offers 2% cashback on select categories, such as restaurants and gas stations, up to $1,000 in spending per quarter. Once this limit is reached, spending in these categories generates 1% cashback.
Cashback on all other purchases: In addition to 2% on selected categories, the card offers 1% cashback on all other purchases, with no spending limit. This means that when using the card for everyday purchases like clothing, electronics, or services, you continue to accumulate rewards without worrying about restrictions.
Cashback Match in the first year: One of the most attractive offers of the Discover it Chrome is the “Cashback Match” in the first year. During the first 12 months of using the card, the cashback you accumulate is automatically doubled by Discover. For example, if you earn $100 in cashback in the first year, Discover adds another $100, totaling $200.
 No annual fee: One of the biggest advantages of the Discover it Chrome is the waiver of the annual fee. While many credit cards charge an annual maintenance fee, the Discover it Chrome lets you enjoy all its benefits without this extra cost.
0% introductory APR: The Discover it Chrome offers a 0% introductory APR on purchases made during the first 6 months. This means that during this period, you can make purchases without being charged interest. After this period, the APR will vary according to your credit profile.
Fraud protection: Security is a priority with the Discover it Chrome credit card. The card offers continuous monitoring of transactions and fraud protection, with features like instant alerts for suspicious activity. If you notice anything unusual, you can freeze the card immediately.
Access to financial management tools: The Discover it Chrome offers a variety of online tools to help with financial management. You can track your spending in real time via the app or website, as well as receive payment reminders and transaction notifications.
Wide acceptance: The Discover it Chrome is widely accepted at millions of stores and websites around the world. While Discover has historically been more popular in the United States, the acceptance network is growing globally. This means you can use your card for both local and international purchases, without worrying about limitations.
Unlimited cashback rewards: An interesting feature of the Discover it Chrome is that, even in categories where the cashback is not 2%, you can continue accumulating rewards with no limits. There is no cap on how much you can earn in cashback, as long as you are within the 1% cashback categories.
Discover it Chrome Credit Card: Fees and Commissions
The Discover it Chrome credit card does not charge an annual fee, making it an economical option for users. The standard interest rate ranges from 18.24% to 27.24% APR, depending on the customer’s credit profile.
For balance transfers, there is a 3% introductory fee until July 10, 2025, and up to 5% for future transfers. In the case of cash advances, the fee is $10 or 5% of the amount, whichever is greater.
Fees and commissions are subject to change without notice. It is recommended to check the updated terms on Discover’s official website.
Card Limit
The credit limit for the Discover it Chrome is determined based on the applicant’s credit analysis. Factors such as credit history, income, and existing debts influence the definition of the limit.
With responsible use of the card, you can request increases in your credit limit over time. Discover periodically evaluates the customer’s profile to offer adjustments as needed.
Positive points
- Cashback on Everyday Purchases:Earn cashback on everyday purchases like gas and dining.
- No Annual Fee:The absence of an annual fee makes it more affordable compared to many other credit cards.
- Cashback Match in the First Year:>Take advantage of the Cashback Match feature, where Discover doubles your cashback.
Negative points
- Limited 2% Cashback Categories:The 2% cashback is limited to certain categories.
- Foreign Transaction Fees:Although the card is widely accepted, it may charge foreign transaction fees for international purchases.
- High APR After Introductory Period:The APR can become quite high after the introductory 0% APR period ends.
How to Apply for Discover it Chrome Credit Card
- Visit the official Discover website.
- Select the Discover it Chrome credit card.
- Click on “Apply Now.”
- Fill out the form with your personal information.
- Provide your income and employment status.
- Review the terms and conditions.
- Submit your application.
- Wait for the credit review.
- If approved, the card will be sent to you.
How to Contact Discover
For questions or support, contact Discover through the following channels:
- 1-800-347-2683
- 1-877-587-1605
The Discover it Chrome is an excellent option for those looking for a credit card with rewards in common categories, no annual fee, and additional benefits. If you value practicality and savings, consider applying for yours today and enjoy all the advantages it offers!
