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Discover it® Chrome

Gas & Restaurant Card

Discover it cash credit card blue

We Match All Your Cash Back Your First Year

We automatically match all the cash back you've earned at the end of your first year on your credit card.2

2% Cash Back

2% cash back at gas and restaurants on up to $1,000 in combined purchases each quarter. Plus 1% cash back on all other credit card purchases.

Redeem Any Amount, Any Time

You can redeem your cash back for any amount at any time.3 And your cash back never expires.

Discover it® Chrome Card VS. Competitors

Compare Other Credit Cards to Discover it Chrome Card Chart
Discover it® Chrome Card Discover it cash credit card thumbnail Blue Cash Everyday® Card
from American
Capital One®
Cash Rewards
Citi®Thank You
Cash Rewards™
No Annual Fee Yes Yes Yes Yes Yes Yes
Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.2 Yes No No No No No
2% or more cash back in popular categories Yes Yes No No Yes Yes
1% cash back or more on all other credit card purchases Yes Yes Yes Yes Yes Yes
See Full Compare Chart

‡Cash back rewards - Citi® Thankyou Preferred: 2 points on every $1 spent on dining out and select entertainment, 1 point on every $1 on other purchases. Capital One Quicksilver® and Chase Freedom Unlimited®: 1.5% on all purchases. Bank Americard Cash Rewards™: 3% on gas and 2% on groceries & wholesale clubs up to a quarterly max; 1% on other purchases. American Express® Blue Cash Everyday® Card: 3% at supermarkets up to a yearly maximum; 2% at gas stations & select department stores; 1% on other purchases.Chart comparisons conducted by an independent research firm and based on competitor info compiled in March 2017.
†Some card issuers may only provide FICO® Credit Scores online or may provide a different credit score.
*According to the Feb 2017 issue of the Nilson Report.

Freeze your card Discover Freeze it

Freeze it® on/off switch for your account.

Now if you misplace your credit card, you can Freeze it to prevent new purchases, cash advances or balance transfers on your account. Freeze or unfreeze in seconds with our mobile app or website.4

Fico credit score meter

Track your recent FICO® Credit Scores for free online and on mobile5

Use your mobile app or online account to see recent FICO® Credit Scores in one easy-to-read chart, with Key Factors that help explain your score. Plus see your score on monthly statements.

Learn More About FICO® Credit Scores

Discover it cash credit card security

Looking out for you.

We monitor every purchase, every single day and let you know of any activity that looks suspicious with an email, text or phone call. And of course, we never hold you responsible for unauthorized purchases on your Discover card.

Discover U.S. Customer Service

100% U.S. -based customer Service.

Reach our live customer service any time you call. We won't waste your time trying to sell you other products when you call. Plus get powerful, fast mobile and online service. We overnight ship replacement cards for free to any U.S. street address at your request.6

All with no annual fee.

0% Intro APR for 14 months on purchases and balance transfers.

Then 11.74%-23.74% Standard Variable Purchase APR applies.

3% fee for each balance transfer.

See rates, rewards and other info
  • Intro purchase APR is 0% for 14 months from date of account opening; then the standard purchase APR applies. Intro Balance Transfer APR is 0% for 14 months from date of first transfer, for transfers under this offer that post to your account by August 10, 2017; then the standard purchase APR applies. Standard purchase APR: 11.74% variable to 23.74% variable, based on your creditworthiness. Cash APR: 25.74% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: 3% of the amount of each transfer. Annual Fee: None. Rates as of April 28, 2017. We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.
  1. Reviews: Discover it card's average "Overall Rating" based on reviews by cardmembers as seen at
  2. Cashback MatchTM : Only from Discover, as of March 2017. After the first 12 consecutive billing periods that your new account is open, we will match all of the cash back rewards you've earned and apply them to your account in the following one or two billing periods. If your account is closed or no longer in the cash back reward program at the time we calculate your potential award, your cash back will not be matched. You've earned cash back rewards when they have posted to your account by the end of the 12th consecutive billing period. This promotional offer may not be offered in the future. This exclusive offer is available only to new cardmembers.
  3. Redeem Any Amount Any Time: We will credit your account with your cash back bonus balance if your account is closed or has not been used in 18 months. See rewards terms and conditions.
  4. Freeze it:When you freeze your account, Discover will not authorize new purchases, cash advances or balance transfers. However, some activity will continue, including bills that merchants mark as recurring, as well as returns, credits, dispute adjustments, payments, Discover protection product fees, other account fees, interest, rewards redemptions and certain other exempted transactions.
  5. FICO® Credit Score Terms: Your FICO® Credit Score and key factors are based on data from TransUnion and may be different from other credit scores. This information is intended for and only provided to Primary cardmembers who have an available score. See about the availability of your score. Your score and key factors are available on and your score is provided on statements. You will see up to a year of recent scores online starting when you become a cardmember. Discover and other lenders may use different inputs, such as a FICO® Credit Score, other credit scores and more information in credit decisions. This benefit may change or end in the future. FICO is a registered trademark of the Fair Isaac Corporation in the United States and other countries.

    If you prefer not to receive your FICO® Credit Score just call us at 1-800-DISCOVER (1-800-347-2683). Please give us two billing cycles to process your request. To learn more, visit
  6. Free Overnight Card Replacement: Overnight shipping is not available to P.O boxes or addresses outside the U.S Carrier overnight shipping limitations apply that may impact the exact delivery date.

Cardmember Reviews


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