Discover it® Chrome Review

Last Updated on May 13, 2026

Offer Rating

4.0/5

By Our Content Team

EDITOR

With a lengthy intro balance transfer APR and unique Cashback Match, the Discover it® Chrome credit card offers the best of both worlds. With a $0 annual fee and a straightforward rewards program, it’s an easy choice for budget-conscious consumers.

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Rates & Fees

Discover it® Chrome

4.0 BCC Score

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on Discover's secure site

Welcome Offer

Discover will match all the cash back you’ve earned at the end of your first year

Rewards Rate

2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. You'll still earn unlimited 1% cash back on all other purchases.

Intro APR

0% Intro APR for 6 Months and 0% Intro APR for 18 Months, then 17.49% - 26.49% Variable APR

Annual Fee

Credit Score Needed

Good, Excellent

Card Brand

Discover

INTRO OFFER: Unlimited Cashback Match for all new cardmembers. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards.
Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. You'll still earn unlimited 1% cash back on all other purchases.
Get a 0% intro APR for 18 months on balance transfers. Then 17.49% to 26.49% Standard Variable APR applies, based on credit worthiness.
Redeem cash back for any amount
No annual fee.
Terms and conditions apply.

Pros

Discover will match all the cash back you’ve earned at the end of your first year
0% Intro APR for 18 Months on balance transfers and 0% Intro APR for 6 Months on purchases, then 17.49% - 26.49% Variable APR
No annual fee, no foreign transaction fees, and award-winning customer service

Cons

There is a 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
A quarterly cap on the 2% cash back applies

OUR EXPERT REVIEW

Why We Like It

The Discover it® Chrome credit card is designed for consumers who spend a lot on gas and at restaurants. It comes with a solid rewards rate of 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. You'll still earn unlimited 1% cash back on all other purchases.

In addition to the cash back rewards, Discover it® Chrome offers a lengthy 0% Intro APR for 18 Months on balance transfers. After that, the ongoing APR is 17.49% - 26.49% Variable APR depending on your creditworthiness. This card also comes with no annual fee and no foreign transaction fees.

New cardholders will also benefit from the lucrative intro offer: Discover will match all the cash back you’ve earned at the end of your first year. This clever rewards structure can be especially beneficial for consumers who don't want to have to spend a hefty amount on their card during the first 3 months in order to receive a bonus offer. And on the flip side, the fact that there's no limit to the amount of the Cash Back Match means that this card can be extremely rewarding if you're a big spender.

Pros & Cons

Pros

Discover will match all the cash back you’ve earned at the end of your first year
0% Intro APR for 18 Months on balance transfers and 0% Intro APR for 6 Months on purchases, then 17.49% - 26.49% Variable APR
No annual fee, no foreign transaction fees, and award-winning customer service