Which is better for you comes down to if you want a high cash back rate but ever-changing categories you need to sign-up for quarterly or a lower rate and consistency. Variable APRs will vary with the market based on the Prime Rate. However, some activity will continue, including bills that merchants mark as recurring, as well as returns, credits, dispute adjustments, delayed authorizations (such as some transit purchases), payments, Discover protection product fees, other account fees, interest, rewards redemptions and certain other exempted transactions. Discover it Chrome for Students has no annual fee or foreign transaction fee. Credit Card Insider has not reviewed all available credit card offers in the marketplace. Or you can donate rewards to a charitable cause. User ID. To protect your account security, Restaurant purchases include only those made at merchants classified as full-service restaurants, cafes, cafeterias and fast food locations. Plus, you can redeem rewards for gift cards starting at only $5 and get an added bonus on every card. You earn cash rewards, called Cashback Bonus, by using your Card to make purchases. It earns 2% cash back at restaurants and gas stations, on up to $1,000 in combined purchases per quarter (then 1%). Discover it® Chrome for Students reviews and complaints. Get full access on-the-go with your smartphone, tablet or wearable. Discover will match the cash back you’ve earned in year 1 and provide you an intro APR on purchases and balance transfers (then the standard APR of See Terms applies). Credit Card Insider and CardRatings may receive a commission from card issuers. Discover it chrome always gives 2% cash back on your first $1,000 spent on gas and restaurant purchases per quarter. The Discover it® Student Cash Back is one of the most rewarding student credit cards. Appointment Only Monday - Thursday 9:00 am to noon (please call in advance) Appointment Services Notary, New Accounts, Wires and Loan Requests. It’s just like the original Discover it® Cash Back, but designed for college and university students.. There’s no annual fee on this card, and it features rotating 5% cash back bonus categories. Acceptance: According to the Feb 2021 issue of the Nilson Report. The Discover it Chrome card is an easy way to earn some cash back on gas and at restaurants. Understanding a Cash Advance. more in the Discover Help Center. Cash APR: 24.99% variable. DISCLAIMER: All information posted to this site was accurate at the time of its initial publication. Discover provides credit line increases to some customers. When Cash advances always cost the greater of $10 or 5%. Standard purchase APR: 12.99% variable to 20.99% variable, based on your creditworthiness. Advertiser relationships do not affect card ratings or our Editor’s Best Card Picks. When you click on any ‘Apply Now’ button, the most up-to-date terms and conditions, rates, and fee information will be presented by the issuer. How does a gas & restaurant cash back card work? A list of these issuers can be found on our Editorial Guidelines. Where can you use a gas & restaurant cash back card to earn rewards? And the staff are very helpful if you ever have an issue or a question on the bill. Credit Card Insider and CardRatings may receive a commission from card issuers. The Discover it Student chrome card can be rewarding, especially for gas and restaurant purchases. 1 Plus, you automatically earn unlimited 1% cash back on all other purchases. Action required: Update Rates as of August 31, 2020. Advertiser relationships do not affect card ratings or our Best Card Picks. Touch device users, explore by Purchases made at Gas Stations include only merchants in the category that sell automotive gasoline that can be paid for either at the pump or inside the station. Activate and we'll send you an alert if your Social Security number is found on any of thousands of Dark Web sites.6, If you misplace your card, freeze your account on our mobile app or website to prevent new purchases, cash advances and balance transfers.7. Discover it® chrome doesn’t have rotating bonus categories. While branded cards may only let you earn cash back rewards at their branded stores, the Discover gas & restaurant cash back credit card allows you to earn 2% cash back at gas stations and restaurants1 on up to $1,000 in combined purchases each quarter. your browser, We noticed that you're using an old version of your internet For travelers that want more flexibility when they stop for gas, a rewards credit card that offers extra cash back at more than one gas station can greatly expand your rewards. Easily message us for customer service right from our app. Intro purchase APR is 0% for 12 months from date of account opening then the standard purchase APR applies. With no annual fee, this card is a convenient way to pay for those common purchases, where you’ll get 2% cash back (up to $1,00 spent per quarter). The 2% cash back that the Discover it chrome offers on the first $1,000 in gas and restaurant purchases that you make each quarter (combined) is almost double the market-average earning rate for a cash rewards card, according to WalletHub’s latest Credit Card Landscape Report. Compare student credit cards. Call 970-668-0186 For complete details of any products mentioned, visit bank or issuer website. This benefit may change or end in the future. The Discover it® Chrome Card lets you redeem for cash in any amount, any time4 as a statement credit or a direct deposit to your bank account. So, you’re trying to decide between the Discover it® Cash Back and the Discover it® chrome. It is accepted everywhere and when there is a problem, The Discover staff is so helpful to resolve it. The Discover it® Student chrome card is a good option for students to learn how to handle credit. Redeem your rewards for cash in any amount, any time.4 Get gift cards from popular brands — all with an added bonus. Where most cards have an introductory bonus in the form of “spend a certain amount to get a certain reward,” Discover will instead double the total amount of cash back you earn in your first year, a great deal for new cardholders. Instead, it offers a much simpler rewards system. Are there limits on the cash back you can earn with a Discover it, How can you redeem your cash back with a Discover it. Even if you make purchases at a merchant of items that appear to fit in a rewards category, the merchant may not have an assigned MCC in that rewards category. We’ll give you an unlimited dollar-for-dollar match of all the cash back you earned at the end of your first year, {rating} average based on {total} ratings on the App Store as of {date}, Activate free Social Security number alerts. Borrowing cash on your card is a cash advance. Maximizing the Benefits of Your Restaurant Credit, Visit the Discover Credit Resource Center for, Follow Us on Twitter opens in a new window, Like Us on Facebook opens in a new window, Contact with Us on LinkedIn opens in a new window, ACCREDITED BUSINESS opens in a new tab Opens in a new window, Member FDIC opens in a new tab Opens in a new window, Learn Your score, key factors and other credit information are available on Discover.com and cardmembers are also provided a score on statements. Low 2% Category Spending Caps . In some cases, Discover may instantly approve your online credit card application. FICO® Credit Score Terms: Your FICO® Credit Score, key factors and other credit information are based on data from TransUnion® and may be different from other credit scores and other credit information provided by different bureaus. Close . The extra cash back will be awarded at the end of the first year. With Discover it ® Chrome, you automatically earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Customers will see up to a year of recent scores online. When you click on any ‘Apply Now’ button, the most up-to-date terms and conditions, rates, and fee information will be presented by the issuer. You’ll appreciate the cash back on gas station and restaurant purchases and much more with Discover it® Chrome. Best at gas stations and restaurants. Secure Account Log In. Cash advances usually come with very high fees. The Discover it Chrome is a decent option for people with good credit, although it’s not as rewarding as many other cards. A regular rate of See Terms will follow that. You can get cash with your Discover card in three easy ways: (1) cash advance into checking, (2) ATMs, and (3) banks and credit unions. So they’re perfect for gas station or restaurant purchases and still rewarding for other places you shop. Cashback Match: Only from Discover, as of February 2021. See rewards terms and conditions. Credit Card Insider receives compensation from some credit card issuers as advertisers. Discover it® Chrome offers 2% cash back at Gas Stations and Restaurants, on up to $1,000 in combined purchases each quarter.1 And you’ll earn unlimited 1% cash back on all your other purchases automatically. Amazon is not a sponsor of this promotion. Gas Stations affiliated with supermarkets and supercenters may not be eligible. There’s no minimum spending or maximum rewards. Content is not provided or commissioned by any credit card issuers. The Discover it® chrome offers up to 2% cash back on your purchases and Discover doubles your rewards earned in the first year with no limit. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Certain digital wallet transactions qualify for 2% Cashback Bonus, for more information see Discover.com/digitalwallets. Earn rewards while building a credit history. Amazon, the Amazon.com logo and the smile logo are trademarks of Amazon or its affiliates. Redeem Any Amount Any Time: We will credit your account with your cash back bonus balance if your account is closed or has not been used in 18 months. Please Note: JavaScript is not enabled in your Discover will automatically match all the cash back you’ve earned at the end of your first year! touch or with swipe gestures. If you have a large balance on another account that’s accruing interest, you can transfer it to this card and get over a year to pay it off at no interest. Content is not provided or commissioned by any credit card issuers. Discover it® Student chrome: Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. Credit Card Insider has not reviewed all available credit card offers in the marketplace. With the Discover it® Chrome you’ll earn 2% cash back at gas stations and restaurants for up to $1,000 spent each quarter (combined) and 1% cash back on all other purchases. Just a dollar-for-dollar match. Calendar quarters are defined as the three-month periods beginning January 1, April 1, July 1, and October 1. This information is intended for and only provided to Primary account holders who have an available score. You'll I've had this card for about 6 years now and the rewards are great. That’s total, not $1,000 per category. At first glance, the two cards seem pretty similar. The bonus points really add up quickly. Use Rewards at Amazon.com: For complete details on how to Pay with Cashback Bonus at Amazon.com see Amazon.com/CashbackBonus. What are the differences between Discover it. And we’ll automatically match all the cash back you’ve earned at … Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Monitoring your credit report does not impact your credit score. Discover Card provides quick and easy options to get cash anytime and anywhere. Identity alert services are based on Experian information and data which may differ from information and data at other credit bureaus. Discover has several card types depending on your needs. Reasonable efforts are made to maintain accurate information, though all credit card information is presented without warranty. be unable to log in to Discover.com in the future if your the display of rates and APRs. A balance transfer is a way to move debt from one card to another with the goal of saving money on interest. See Terms for See Terms, Best Balance Transfer Credit Cards of April 2021, Best Cash Back Credit Cards of April 2021, How to Transfer a Balance on a Credit Card, How to Get a Cash Advance with a Credit Card, See Terms for See Terms, Cashback Match: Get double cash back for the first year, provided at the end of the first year. Essentially, you’re borrowing cash from your credit card account instead of using your credit card or withdrawing money from your bank account to make a purchase. 0% Intro APR Discover it Chrome caps spending in its 2% gas-and-restaurant category at $1,000 per quarter, which adds up to $4,000 per year. Even worse, cash advances can signal to lenders that you’re being irresponsible with money. Only purchases made from merchants located in the United States are eligible for 2% Cashback Bonus. How can you find the best gas credit card for you? Discover it® Student chrome offers 2% bonus cash back on $1,000 in gas and restaurant purchases each quarter. Checking for pre-approval won't hurt your credit score. Discover it® Chrome Card account. In order to enjoy the full experience of the Discover Or turn $100 into $200. Credit Card Insider receives compensation from some credit card issuers as advertisers. Balance Transfers Discover gives you 2% cash back at gas stations and, restaurants on up to $1,000 in combined purchases each. This information is provided to you, the Cardmember, from us, Discover Bank, the issuer of your Discover it Chrome Card (the “Card”). The Discover it® Chrome for Students offers cash back rewards for students — 2% cash back at gas stations and restaurants, up to $1,000 each quarter (then 1%). Earn 5% cash back on everyday purchases at different places each quarter, up to the quarterly maximum when you activate. Purchases at Gas Stations and Restaurants over the quarterly cap, and all other purchases, earn 1% cash back. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment. You earn a full 2% Cashback Bonus® on your first $1000 in combined purchases at Gas Stations (stand-alone), and Restaurants each calendar quarter. browser to access this page. Automatically earn cash back on road trips and everyday spending. autocomplete results are available use up and down arrows to Discover® Identity Alerts are offered by Discover Bank at no cost, only available online, and currently include the following services: (a) daily monitoring of your Experian® credit report and an alert when a new inquiry or account is listed on your report; (b) daily monitoring of thousands of Dark Web sites known for revealing personal information and an alert if your Social Security number is found on such a website. Review: Discover it® Student chrome. How do I earn Cashback Bonus? Step 3 – Add any other required information and apply, when a hard inquiry will be placed on your credit report. On top of that, it provides cash back rewards at gas stations and restaurants. If you want flexibility from your gas station rewards or restaurant rewards, you may prefer the cash back program from Discover. Any opinions, analyses, reviews, or evaluations provided here are those of the author’s alone, and have not been reviewed, approved, or otherwise endorsed by the Advertiser. But you may prefer a credit card with extra cash back for gas station purchases across any brand of gas station. You can also use your rewards at checkout at Amazon.com* and with PayPal**. This information is intended for, and only provided to, Primary credit cardmembers whose accounts are open, in good standing and have an email address on file. Fees for balance transfers and cash advances. Yes. Cash Advances, shows details. Discover it® chrome. The Discover it® chrome and the Discover it® Cash Back are cash back cards with comparable introductory APR periods, no annual fee and a bonus that matches the cash back you earn in … Step 2 – Select your customized pre-approved card offer. Discover Card is the best! For instance, the Discover it® chrome card provides a higher cash back rate on purchases made at gas stations and restaurants, up to a set limit in combined purchases each quarter. You also have a chance to earn $20 in cash back each school year (up to 5 years) if your GPA is 3.0 or higher. Please complete all fields below. with Cashback Match. … 99% nationwide acceptance — Discover is accepted by 99% of the places across the country that take credit cards.3. browser has not been updated. The Discover it chrome is a fairly good offer, with no annual fee and 2% cash back at gas stations and restaurants on up to $1,000 in spending per quarter. Credit Card Insider has partnered with CardRatings for our coverage of credit card products. Restrictions, limitations and/or fees may apply according to your card holder agreement. The Discover it® Student chrome features 2% cash back at gas stations and restaurants up to $1,000 in combined purchases each quarter. When I have a question, they find the answer immediately. at gas stations and restaurants on up to $1,000 in combined purchases each quarter.1. No purchase minimums. Get a cash advance from your Visa®, Mastercard® or Discover® card. All other purchases earn 1% in cash back. Gas & restaurant cash back cards generally are credit cards that feature a higher cash back rate on qualified purchases at gas stations or restaurants than the cash back rate for all other purchases. EDITORIAL DISCLOSURE: The editorial content on this site is not provided by the companies whose products are featured. With the Discover it® Chrome credit card, you automatically earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter.1 Plus you’ll earn unlimited 1% cash back on all other purchases automatically. 2 Builds credit with responsible use : Discover reports your credit history to the three major credit bureaus so it can help build your credit if used responsibly. Contact the branch at XXX.XXX.XXXX for more details. Never be responsible for unauthorized purchases on your credit card, thanks to $0 Fraud Liability. for 14 months on purchases and balance transfers. And that can make this quite a rewarding deal. The tap to pay feature is added comfort and the IT card is accepted everywhere I shop. A gas company may have their own credit card with extra rewards at their own gas stations. Pre-Approval Offers. See Discover.com/FICO about the availability of your score. web browser. We'll match all the cash back rewards you've earned on your credit card from the day your new account is approved through your first 12 consecutive billing periods or 365 days, whichever is longer, and add it to your rewards account within two billing periods. Rewards are added to your Cashback Bonus account within two billing periods. Your Freeze it®: When you freeze your account, Discover will not authorize new purchases, cash advances or balance transfers. Credit Card Insider has partnered with CardRatings for our coverage of credit card products. We will not match: rewards that are processed after your match period ends; statement credits; rewards transfers from Discover checking or other deposit accounts; or rewards for accounts that are closed. New to credit cards? This promotional offer may not be available in the future and is exclusively for new cardmembers. Earn cash back rewards for college and beyond while practicing responsible credit habits with this Discover it ® card for students. Reasonable efforts are made to maintain accurate information, though all credit card information is presented without warranty. Secure your line of credit by making an electronic cash deposit, refundable in as little as 8 months. We will apply payments at our discretion, including in a manner most favorable or convenient for us. You’ll pay a 3% fee for each balance transfer. PayPal: PayPal, the PayPal logo are trademarks of PayPal or its Affiliates. some of the functionality on our website will not work, such as Will Discover give me a credit line increase? Discover refunds deposits two ways: 1) automatic monthly reviews at 8 months to see if your account qualifies to "graduate" after showing responsible use of all your credit over time, or 2) when you close your account and pay in full we will return the security deposit to you. Credit Card Insider is an independent, advertising supported website. Efforts have been made to keep the content up to date and accurate. The Discover it Chrome is a decent option for people with good credit, although it’s not as rewarding as many other cards. If you’re not approved instantly, you may need to provide documentation or speak with an agent to verify application information. You can find all APR rates at the rates & fees table below… Discover It Chrome Card is providing good amount of cash back for gas and restaurant. You've earned cash back rewards only when they're processed, which may be after the transaction date.

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