Discover did a brave thing some time ago and rebranded their cards under the ‘it’ name.
Their boldness paid off with a card that carried less fees than most and was also more forgiving to consumers. All with a cash back thrown in.
Well Discover is at it again. They have introduced the Discover it Chrome.
What is Chrome? Follow along in our Discover it Chrome review…
How is the Discover it Chrome Different From the Original ‘it’?
The Chrome series of cards is geared for people who travel on the road. You get a card that’s more focused in its cash back rewards. Now you get 2% cashback on up to $1,000 in combined purchases at restaurants and gas stations every quarter.
See that? Your bonus is now concentrated with restaurants and gas stations. This is awesome if you drive a lot and love going on road trips.
The original ‘it’ cards gave you a higher cashback bonus, 5%, but they were on rotating categories that changed every quarter. It’s a nice cashback bonus but you really only maximize the bonus if you purchase whatever is in the rotating category. With the Discover it Chrome you get a smaller cashback, 2%, but you always know what it is going to be in. That’s your trade-off.
The Chrome still offers up 1% cashback in all other categories.
Chrome Still Has Many of the Great Features That Made ‘it’ Popular
As I mentioned in the beginning, the ‘it’ cards did a nice job in creating a consumer-friendly card.
You get no annual fee, no overlimit fee, no foreign transaction fee (which averages about 3% in many other cards), and no late fee on your first late payment. Your purchases will also be monitored for fraud and you won’t be responsible for any fraud purchases. And if they see a purchase that looks fishy to them they’ll shoot you an email/text/call to alert you.
You also get access to a free FICO® score online and on your monthly statement. This is a nice perk to help you track your score, a very valuable number in your finances.
Their customer service is 100% based in the U.S. and you’ll get a human being 24/7.
The Three Options for the Discover it Chrome
Discover it Chrome comes in three flavors…
Discover it® Chrome
Here you are getting all of the great options I’ve talked about above as well as a 0% intro APR for purchases and balance transfers for 14 months. After that you have a variable APR that will currently fall between 10.99%-22.99%. There’s a 3% fee on balance transfers.
Discover it® Chrome
This version differs in the 0% intro APR. Now you’re getting 18 months of 0% intro APR on balance transfers. This is nice of you’re carrying a credit balance on another card and you’d like to knock it out faster. With 0% APR your payments go to the principle rather than interest.
You also get 0% intro APR in purchases. After the intro rates you have the same variable APR as the card above.
Discover it® Chrome for Students
This version of the card is for…wait for it…students! Here you get a 0% intro APR for 6 months on purchases. After the intro period ends you have a variable APR that’s currently between 12.99%-21.99%.
As I said earlier, if you travel by car often or just eat out a lot (or get lots of gas) then the Discover it Chrome has a nice bonus of 2% cashback that you know will always be there. Of course this doesn’t apply to everyone so make sure this is a bonus structure that you can maximize.
You also get all the great consumer-friendly features, such as their no fees and free FICO score, that makes the ‘it’ card so nice.
If you’re interested in the original Discover it Card tae a look at our review.
*I know you’re smart but I’ll tell you this anyway — make sure you read through the card details to make sure this card fits your needs and you understand the terms and conditions. Be aware that the terms may change after this article’s publication.