Discover it® Chrome Credit Card Review: Credit limit, Rewards

Discover it® Chrome Credit Card Review

The Discover it® Chrome Credit Card is a low-maintenance credit card with great cashback deals for restaurants and gas. Click through to read our full review!

The Discover it® Chrome Credit Card is perfect for people who want to earn cashback on their major credit card expenses, including dining out and gas. It has no annual fee, and offers 2% cashback on up to $1,000 worth of purchases at gas stations and restaurants every quarter, as well as 1% cashback on all other purchases.

The Discover it® Chrome Credit Card also offers a generous Cashback Match deal, which matches all of your earned cashback rewards over your first year of use. You’ll essentially get double your cashback value at the end of the first year.

The Discover it® Chrome Credit Card is an excellent card for someone who's never had a credit card before, or someone who wants to build their credit while also earning cashback on their purchases. The fixed reward categories make it a simple card to use, and there's no minimum redemption amount.

For a more detailed look at its rewards and features, read on to see exactly what the Discover it® Chrome Credit Card has to offer.

The Discover it® Chrome Credit Card: Pros and Cons

Rewards system in a nutshell

There is only one type of reward available with the Discover it® Chrome Credit Card, and that’s cashback. The cashback bonus is applied automatically to all your purchases, with no spending minimum needed to unlock it. You get 1% cashback on anything you use your credit card for, and 2% if you use it at qualifying gas stations or restaurants, with the quarterly spending cap of $1,000.

You can redeem your cashback bonuses in a variety of ways:

• Apply it to your card balance
• Send it to your bank account
• Use it as payment on Amazon or PayPal
• Donate it to charity
• Exchange it for a gift card with selected Discover partners

Also, at the end of your first year holding the card, Cashback Match doubles all your cashback for that year.

For example, if you earned a total of $2,000 in cashback rewards in your first year, Discover will match that dollar for dollar, giving you another $2,000 cashback at the end of the year.

Who can benefit from getting the Discover it® Chrome Credit Card?

Two types of users would benefit most from the Discover it® Chrome Credit Card’s features. The first type is someone who’s just getting their first credit card. Since the card’s cashback bonus applies to all purchases (and counts double for gas stations and restaurants), you can use it anywhere to build your credit and still get cashback on your spending. The lack of APR penalties and 0% APR for the first 15 months (17.24% - 28.24% Variable after that) also means you’re able to start using your credit card right away without accruing interest fees, and your interest rate won’t be affected by slightly late payments.

The second is someone who wants a credit card for use at both gas stations and restaurants. This way, you can take advantage of the Discover it® Chrome Credit Card’s best cashback bonus features, while also maintaining your existing line of credit and its associated rewards. However, while this card offers a nice bonus for both gas and restaurants, if you spend significantly more on one or the other (gas or eating out), there are better cards out there. Also, if you spend more than $1,000 on gas and restaurants in a quarter, you might be better off with a general 1.5% cashback card, since the Discover it® Chrome Credit Card only offers 2% cashback on the first $1,000 spent in each quarter.

Are there any other benefits?

The Discover it® Chrome Credit Card also comes with a few added perks. The Discover Mobile App lets you use your phone to track your accounts and billing, redeem your rewards, check your FICO score, and even message Discover’s customer service team directly.

It’s also covered by Discover’s comprehensive security suite, which includes a host of features designed to keep your credit card details and sensitive information safe. For example, you can activate an alert system that will notify you if your Social Security number is ever found on the Dark Web. If you lose your card for any reason, you can also freeze your account using the website or the Discover Mobile App. And any unauthorized purchases on your card are covered by Discover’s $0 Fraud Liability Guarantee, so you’ll never be responsible for fraudulent charges.

Other credit cards offer many similar features to these, but it’s still good to know that you’re protected when using the Discover it® Chrome Credit Card.

Conclusion

On the whole, the Discover it® Chrome Credit Card is a great, no-frills option for people who want to build their credit, or just take advantage of the card’s 2% cashback bonus on purchases at restaurants and gas stations.