Discover it Chrome Card Review With Pro And Cons – 17 Points

1. Discover it chrome offers solid bonus on gas and restaurants with outstanding sign up bonus that matches your reward at end of first year.

2. Pros:

No annual fee
No foreign transaction fee
Redeem cash back any time
Intro apr for purchase and balance transfer
Easier to get approved for
Bonus cash back categories
Sign Up bonus

3. Cons:

Discover cards may not widely accepted outside us.
$20 cap in bonus saving each quarter

4. Reward Rate:

2% cash back on gas station and restaurant purchases, up to $1,000 in combined category purchases per quarter; ( No need to activate categories)
unlimited 1% cash back on all other purchases, including favored category purchases above the cap

5. Sign Up Bonus:

Matches all of your cash back at the end of the card’s first year

6. Annual Fee:

$0

7. Intro Apr:

0% for 14 months on purchase and balance transfer

8. Regular APR:

14.24% – 25.24% (V)

9. Credit Needed:

Good to excellent

10. Foreign Transaction Fee:

$0

11. Balance Transfer Fee:

3%

12. Other Notable Features:

Account on and off switch
No penalty APR
No late fee for the first late payment
No overlimit fee
Free FICO® credit score
Free social security number alerts

13. Customer Experience:

24/7 customer service?: Yes
Online chat available?: Yes
Google Play Store mobile app rating: 4.6/5
Apple Store mobile app rating: 4.8/5

14. This card worth considering if you are looking for your first credit card with low spending habit.

15. Go for discover it chrome card:

If you spend lot of money on gas and restaurant purchase
If you like intro bonus cash back match offer
If you want take advantage of intro apr on purchase and balance transfer

16. Max Late Fee:

$39

17. Cash Advance Fee:

5% (min $10)

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