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Discover it® Chrome Gas & Restaurants
Discover it® Chrome Gas & Restaurants
- 16.74% to 27.74% variable based on creditworthiness and Prime Rate Regular Purchase APR
- 16.74% to 27.74% variable based on creditworthiness and Prime Rate Balance Transfer APR
- 29.74% variable based on the Prime Rate Cash Advance APR
- 0% for 15 months from date of account opening Intro Purchase APR
At a Glance
The Discover It Chrome Gas & Restaurants Card is a simple cash back credit card that offers improved savings on fill-ups and chow downs. The card earns 2% cash back on purchases at gas station and restaurant purchases and 1% back on everything else. Discover also matches the total amount of cash back earned after the first year, meaning cardholders get double their money back automatically. The card also features 0% intro APR on balance transfers and purchases for the first 15 months and no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 2% cash back at gas stations and restaurants on up to $1,000 per quarter
- 1% cash back on all other purchases
- Discover will match all cash back earned by the cardholder at the end of their first year of card use; there is no limit to the amount of cash back that will be matched
- Cash back rewards never expire
- Get a free Credit Scorecard with your FICO® Credit Score
- No annual fee
- Intro Purchase APR: 0% for 15 months from date of account opening
- Regular Purchase APR: 16.74% to 27.74% variable based on creditworthiness and Prime Rate
- Intro Balance Transfer APR: 0% for 15 months from date of first transfer
- Balance Transfer APR: 16.74% to 27.74% variable based on creditworthiness and Prime Rate
- Balance Transfer Transaction Fee: Intro fee of 3% of the amount of each transfer for transfers that post to your account by June 10, 2022 with the 0% intro APR balance transfer offer described above. After that, 5% of the amount of each transfer
- Cash Advance APR: 29.74% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Late Payment Penalty Fee: None the first time you pay late. After that, up to $41
- Return Payment Penalty Fee: Up to $41
- You want to earn 2% back on gas and restaurant purchases all year
- You don’t want to pay an annual fee
- You want to take advantage of Cashback Match – only from Discover
- You prefer a card with no foreign transaction fees
- You want 0% intro APR on purchases and balance transfers for 15 months
Discover it® Secured
Discover it® Secured
- 27.74% variable based on the Prime Rate Regular Purchase APR
- 27.74% variable based on the Prime Rate Balance Transfer APR
- 29.74% variable based on the Prime Rate Cash Advance APR
At a Glance
The Discover it® Secured card is ideal for cardholders hoping to build or rebuild their credit. Responsible use will not only raise their credit score, but it will also earn them 2% cash back at restaurants and gas stations on up to $1,000 in combined purchases each quarter.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 2% cash back at restaurants or gas stations on up to $1,000 in combined purchases each quarter. Plus 1% cash back on all other credit card purchases
- Discover automatically matches all the cash back you've earned at the end of your first year
- Easily view your FICO® Credit Score on monthly statements, mobile and online for free
- Automatic account reviews begin after 7 months of use to see if cardholders can transition to an unsecured line of credit and have their deposit returned
- No annual fee
- Regular Purchase APR: 27.74% variable based on the Prime Rate
- Intro Balance Transfer APR: 10.99% for 6 months from date of first transfer for transfers that post by June 10, 2023
- Balance Transfer APR: 27.74% variable based on the Prime Rate
- Balance Transfer Transaction Fee: 3% of the amount for each transfer that posts at the promotional rate. After that, 5% of the amount of each transfer
- Cash Advance APR: 29.74% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Late Payment Penalty Fee: None the first time you pay late. After that, up to $41
- Return Payment Penalty Fee: Up to $41
- Minimum Deposit Required: $200
- You want to build or rebuild your credit with Discover
- You want 2% cash back at gas stations and restaurants
- You don’t think you should pay an annual fee to boost your credit score
NHL® Discover it®
NHL® Discover it®
- 16.74% to 27.74% variable based on creditworthiness and Prime Rate Regular Purchase APR
- 16.74% to 27.74% variable based on creditworthiness and Prime Rate Balance Transfer APR
- 29.74% variable based on the Prime Rate Cash Advance APR
- 0% for 18 months from date of account opening date Intro Purchase APR
At a Glance
The NHL Discover It is a cash back credit card that offers enhanced earning potential in a selection of rotating categories, but with an NHL touch. Cardholders earn 5% back on purchases in categories that rotate each quarter, and 1% on all other purchases. The card also features 0% intro APR for the first 15 months on purchases and balance transfers, Discover’s 100% U.S.-based customer service, and no foreign transaction fees and no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Save 10% at Shop.NHL.com with the code ITPAYS. Save 10% on your NHL.TVTM subscription when you use your Discover card
- Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate. Plus unlimited 1% cash back on all other purchases
- Discover automatically matches all the cash back you've earned at the end of your first year—only for new cardmembers
- View your FICO® score for free on monthly statements, mobile, and online
- Choose your team, show your pride - all 31 team logos are available as card art
- No annual fee
- Intro Purchase APR: 0% for 18 months from date of account opening date
- Regular Purchase APR: 16.74% to 27.74% variable based on creditworthiness and Prime Rate
- Intro Balance Transfer APR: 0% for 18 months from date of first transfer
- Balance Transfer APR: 16.74% to 27.74% variable based on creditworthiness and Prime Rate
- Balance Transfer Transaction Fee: 3% of the amount of transfers that post at the promotional rate. After that, 5% of the amount of each transfer
- Cash Advance APR: 29.74% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Late Payment Penalty Fee: None the first time you pay late. After that, up to $41
- Return Payment Penalty Fee: Up to $41
- You want to earn 5% back on select categories each quarter, including restaurants, gas stations, select rideshares, and online shopping.
- You don’t want to pay an annual fee or foreign transaction fees
- You want to support your favorite NHL team
- You want a card where Discover will match all the cash they earn for the first year
Discover it® Chrome for Students
Discover it® Chrome for Students
- 17.74% to 26.74% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 17.74% to 26.74% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.74% variable based on the Prime Rate Cash Advance APR
- 0% for 6 months from date of account opening date Intro Purchase APR
At a Glance
The Discover it Chrome for Students is a student credit card and cash back rewards card that allows college students to earn 2% cash back on gas and restaurants, plus 1% cash back on everything else. In addition to not having to worry about an annual fee, students who maintain a GPA of 3.0 or higher will receive a $20 statement credit each school year.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Get $20 statement credit each school year your GPA is 3.0 or higher for up to next five years
- Earn 2% cash back at gas and restaurants on up to $1,000 in combined purchases each quarter. Plus 1% cash back on all other purchases
- Discover matches all the cash back you've earned at the end of your first year, automatically
- Cash back rewards do not expired and can be redeemed at any time
- 0% intro APR on purchases for 6 months
- No annual fee, no late fee on first late payment. No APR change for paying late
- Intro Purchase APR: 0% for 6 months from date of account opening date
- Regular Purchase APR: 17.74% to 26.74% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 10.99% for 6 months from date of first transfer
- Balance Transfer APR: 17.74% to 26.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: 3% of the amount of each transfer posted at the promotional rate. After that, 5% of the amount of each transfer
- Cash Advance APR: 29.74% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Late Payment Penalty Fee: None the first time you pay late. After that, up to $41
- Return Payment Penalty Fee: Up to $41
- You're planning on commuting to college
- You plan to eat out rather than in the cafeteria
- You want a card that rewards a good school year, as your GPA can get you extra savings
- You want to take advantage of Cashback Match – only from Discover
- You don’t want to pay an annual fee
Discover it® Student Cash Back
Discover it® Student Cash Back
- 17.74% to 26.74% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 17.74% to 26.74% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 2974% variable based on the Prime Rate Cash Advance APR
- 0% for 6 months from account opening date Intro Purchase APR
At a Glance
The Discover it Student Cash Back card is ideal for college students hoping to earn 5% cash back on rotating categories and 1% unlimited cash back on everything else. All the cash back they’ve earned at the end of their first year will automatically be matched by Discover.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee, and no late fee on the first late payment. No APR change for paying late.
- Discover automatically matches all the earned cash back at the end of the first year, with no limit to the amount that is matched
- $20 statement credit when GPA is 3.0 or higher every school year for up to five years
- Cash back rewards can be redeemed at any time and never expire
- Earn 5% cash back on everyday purchases at different places each quarter, up to the quarterly maximum when you activate
- Earn 1% cash back on all other eligible purchases automatically
- 0% intro APR on purchases for 6 months
- Intro Purchase APR: 0% for 6 months from account opening date
- Regular Purchase APR: 17.74% to 26.74% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 10.99% for 6 months from date of first transfer
- Balance Transfer APR: 17.74% to 26.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Up to 5% of the amount of each transfer
- Cash Advance APR: 2974% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Late Payment Penalty Fee: None the first time you pay late. After that, up to $41
- Return Payment Penalty Fee: Up to $41
- You want to earn 5% back in rotating categories
- You plan on using your card to purchase products online
- You expect to earn a 3.0 or higher GPA
- You do't want to pay an annual fee
- You want a card with no foreign transaction fees
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Discover Credit Cards
Discover is one of the most popular credit card issuers in the United States. The company, which also offers full banking services, currently has nearly 40 million credit cardholders, making it the number nine card issuer in the nation.
Benefits That Comes with All Discover Cards
Discover cards are unique in that they all offer similar benefits. This simplicity is one of the most robust features of these cards, along with the first year Cashback Match. All cards feature:
| Fraud Protection | Freeze It credit lock | Cardmember Inquiry Services |
| No annual fee | No foreign transaction fees | No over-the-limit fees |
Equally impressive about the bank is their customer service. Discover uses U.S.-based customer service specialists whoa re available 24/7. The bank’s customer service always receives rave reviews from both customers and critics, who laud their fast answering times, ease of access, and friendly personnel.
Discover It® Credit Cards
Discover offers a unique range of credit cards that prize simplicity offer flashy rewards. That’s not to say, however, that their credit cards are short on value. Their cash back cards are on par with other offers from Capital One, Chase, and American Express.
Travel Cards
The bank offers a credit card specifically designed for those who travel. The Discover It® Miles Card earns 1.5X on all purchases. Rewards are applicable as statement credits towards travel purchases made with the card account, or for statement credits, cash back into associated accounts, gift cards, or purchases through Amazon.
The 1.5X points also equal 1.5% back, which places the card on par with several other excellent cash back credit cards, such as the Chase Freedom Unlimited or the American Express Cash Magnet Card.
Student Cards
Students who are new to credit have a lot to love when it comes to Discover credit cards. The bank offers two cards specifically for students: the Discover It® chrome for Students and the Discover It® Student Cash Back.
The chrome for Students Card earns 2% back on gas station and restaurant purchases, with all other purchases making an unlimited 1% back. The Student Cash Back Card is a student version of the regular It® Cash Back Card. That card earns 5% back on a rolling assortment of categories, and all other purchases earning unlimited 1% cash back.
Student credit cards are an excellent option for those new to credit, as they feature more relaxed credit requirements for applicants and more appropriate credit limits.
Cash Back Cards
Cash back is where Discover truly shines. The bank offers a vast assortment of cash back credit cards, including the student cards previously mentioned.
The assortment of the issuer’s cash back credit cards include:
- Discover It® chrome: The it® chrome earns 2% back on gas and dining and 1% back on all other purchases.
- Discover It® Cash Back: The Cash Back earns 5% back on the first $1,500 in purchases each quarter on a revolving set of categories. Every other purchase earns an unlimited 1% cash back.
- NHL Discover It®: The same card as the It® Cash Back but with the branding of the National Hockey League (NHL). Cardholders can choose a design from their favorite team and show their pride with every purchase.
Discover It® Cashback Match
All Discover credit cards come with the Cashback Match. This unique bonus means the bank matches all the earned cash back rewards a cardholder earns in their first year – dollar for dollar, with this being an offer that posts to your account automatically. That means that earning $500 in cash back is automatically doubled to $1,000. there is no set limit to the amount of cash back they’ll match, making this perk one of the best reasons to consider a Discover It® card.
This Cashback Match offer is only available to new cardmembers.
Discover It® Cash Back Calendar 2023
The Discover It® Cash Back, Student Cash Back, and NHL Discover It® all earn 5% on a revolving set of categories. The 5% earning rate applies for the first $1,500 in spending each quarter, for a maximum of $75 cash back. Those 5% categories vary year by year. The 5% cash back calendar are as follows:
| 5% Cash Back Category | |
|---|---|
| January – March 2023 | Grocery stores, drug stores, and select streaming services |
| April – June 2023 | Restaurants and wholesale clubs |
| July – September 2023 | TBD |
| October – December 2023 | TBD |
Other Discover Cards
Discover also offers credit cards for businesses and for those rebuilding their credit. The Discover It® Secured Card is a secured credit card based on their chrome Card. The secured version requires a minimum deposit of at least $200. The card also earns the same 2% back on gas and dining and 1% back on all other purchases.
It also gets the Cashback Match after the first year, a benefit hard to find in the secured credit card space. Cardholders can also get their security deposit returned in as few as six months, with the bank upgrading them to the unsecured chrome card – just for displaying responsible credit use.
Discover also offers the Discover It® Business Card. That card rewards businesses with 0% intro APR for the first year, unlimited 1.5% cash back, and Discover’s Cashback Match. For consumers that want in on the 0% intro APR game, the Discover It® Balance Transfer is a version of the It® Cash Back that also comes with a lengthy introductory APR offer.
Things to Consider Before Applying for Discover Cards
Before applying for a credit card from Discover, consider these factors:
- Global Acceptance: Discover charges no foreign transaction fees, which is always welcome. Unfortunately, Discover’s payment network doesn’t have the same universal acceptance as Visa or Mastercard. While Discover is making gains in this area, it still lags, especially outside of North America and some parts of Western Europe. American Express also faces this issue.
- Total Number of Cards: Like other issuers, Discover has rules concerning the total number of credit cards an account can hold. The bank currently limits cardholders to two Discover credit card products.
- Reward Categories: Pay attention to the reward categories and make sure you plan to spend in those categories. This is especially true for the Discover It® chrome Card. Make sure you spend enough on gas station and restaurant purchases. Otherwise, the Miles or Cash Back cards might offer better value.
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