Discover it® Chrome
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Discover it® Chrome
The Discover it® Chrome card sets itself apart with an incredible 0% intro APR offer for 18 months (then 18.24% - 27.24% Variable APR) and no annual fee — making it a top pick for anyone looking for ample time to pay off credit card debt.
The fact that you can earn cash back rewards on top of that makes this card even more valuable.
Our Expert's Summary:
Simply put, if you’re looking to avoid interest on balance transfers for a long, long time – plus earn cash back rewards on top of that – then it’s hard to beat this card.
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Discover will match all the cash back you’ve earned at the end of your first year.
Intro APR
Purchases: 0%, 6 months
Balance Transfers: 0%, 18 months
Regular APR
Rewards 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. 1% unlimited cash back on all other purchases - automatically
Annual Fee
Welcome Offer INTRO OFFER: Unlimited Cashback Match for all new cardmembers–only from Discover. 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.
0% introductory APR for 18 months on Balance Transfers: One of the longest introductory periods we've come across, you'll get 0% intro APR for a full 18 months on Balance Transfers, which means you’ll have a year and a half to pay off your balance.
0% introductory APR for 6 months on Purchases: You’ll also get a 0% intro APR for 6 months on new purchases, which can be helpful if you plan on making purchases with the card.
2% cash back at gas stations and restaurants: Most cards with this long of a balance transfer period don’t also feature rewards. But not this card. You’ll earn 2% cash back at gas stations and restaurants, up to $1,000 in combined purchases each quarter. For everything else, you’ll earn unlimited 1% cash back.
Unlimited Cashback Match: At the end of your first year as a new cardholder, Discover will automatically match all the cash back you’ve earned with no cap. That means $300 in cash back your first year would become $600!
No annual fee: You won’t pay an annual fee to carry this card, so every dollar you earn in debt savings and cash back goes straight into your pocket.
A FICO® Score of at least 670 is recommended to apply for the Discover it® Chrome. It's a credit card for consumers with good to excellent credit.
If your priority is a long 0% intro APR period for a balance transfer, the Discover it® Chrome card is hard to beat. The added perks of cash back rewards and 0% intro APR on purchases are icing on the cake, especially for no annual fee. Offers like this don’t always last — so if it feels like the right fit, we recommend applying while it’s still available.
Our Credit Cards Experts
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