- 0% Intro APR* on balance transfers for 18 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. A fee of 3% applies for each balance transferred.
- 0% Intro APR* on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
- 2% cash back on up to $1,000 in combined purchases at restaurants and gas stations every quarter - no sign-ups needed*. 1% cash back on all your other purchases.
- No annual fee, no overlimit fee, no late fee on your first late payment and no foreign transaction fee*.
- Free FICO® Credit Score online and on your monthly statement so you can track your score's progress*.
- Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases.
- 100 % U.S. based customer service - anytime, day and night.
- *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply".
4.9 / 5.0 (23 votes)
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Information - Rates - Fees

Intro APR:
0%*
Applied Towards:
Purchases
Balance Transfer
Intro Period:
18 months on BT*
APR:
10.99% - 20.99%*
APR Type:
variable
Annual Fee:
$0*
Issuer:
Card Network:
Card Category:
Consumer (Regular)
Card Type:
Instant Decision Card
Low Interest Credit Card
No Foreign Transaction Fee Credit Card
Reward Card
Credit Needed:
Excellent*
Grace Period:
25 Days*
Min Finance Charge:
$0.50
Late Payment Fee:
$0.00*

Balance Transfers

Balance Transfer:
Yes
Transfer Fee (%):
3.00%

Cash Advances

APR on Cash Advances (%):
24.99%

Review by

The Discover it chrome Card - 18 Month Promotional Balance Transfer leaves you to manage balances transferred another credit card over a 2 year period. To qualify for this offer the balance transfer must take place before the expiration of a time limited offer.

Other transfers made afterwards will be charged a variable APR rate including a 5% balance transfer fee that's applied even during the offer. Purchase transactions also benefit with a 6 month 0% intro APR. Cash advances are not included.

There is no annual fee.

Cardholders are treated to a cashback bonus program rewarding up to 1% on all purchases and 5% cashback on purchases in select categories. Turn cashback to bigger rewards as you redeem them for instant eCertificates and gift cards.

Features

Most attractive:
- Long term introductory rate
- No annual fee
- Rewards program
- Special benefits
Least attractive:
- No bonus cash back

Rewards & Benefits

Reward Types:
Cash Back Reward Cards
Gas Reward Cards
Universal Reward Cards
Reward Unit:
Cash
Rewards:
- 2% cash back on up to $1,000 in combined purchases at restaurants and gas stations every quarter - no sign-ups needed*.
- 1% cash back on all your other purchases.
Expiration:
None*
Yearly Limit:
None
Other Benefits:
- Internet account related services
- Fraud and security protection services
- $500,000 in travel accident insurance
- Discounts on products and services at participating merchants and retailers
- Auto rental insurance
- Turn your Cashback Bonus into bigger rewards every time you redeem for gift cards or instant eCertificates from over 100 brand-name Partners
Online Access:
Yes!
Credit Reporting:
Yes

The information provided for Discover it® chrome Credit Card - 18 months intro is believed to be accurate at the time of evaluation (Oct 1, 2014). We strongly advise visitors to review the terms and conditions to verify accuracy of the information posted prior to applying for the product.

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