Discover it Cash Back vs. Discover it chrome – WalletHub

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The Verdict: There isn’t a clear winner between Discover it® Cash Back and Discover it® chrome. They’re both good in their own way. But they’re just different, having been designed with different types of users in mind. Discover it® Cash Back has a high (5%) bonus cash back rate that applies to the first $1,500 spent in designated categories that change every three months and require activation. Discover it chrome is more consistent but has a lower ceiling, giving you 2% bonus cash back on the first $1,000 spent per quarter in the same categories – gas and restaurants – all the time.

Discover it Cash Back and Discover it chrome are nearly identical in all other categories, though. Both offer 1% cash back on other purchases. Both double all the cash back you’ve earned at the end of the first year. Neither charges an annual fee or a foreign transaction fee. And you won’t get either without a good or excellent credit score.

You can learn more about how the two stack up against one another in various categories below.

SIDE BY SIDE COMPARISON

	Discover it® chrome Sponsored Card (183) Proceed Rates & Fees	Discover it® Cash Back Sponsored Card (1,301) Proceed Rates & Fees
General
Network	Discover	Discover
Credit Card Company	Discover	Discover
Min Credit Required	Excellent or Good	Excellent or Good
Annual Fee	$0	$0
Purchases
Intro APR	0%	0%
Intro APR Period	14 months	14 months
Regular APR	11.99% - 22.99% Variable	11.99% - 22.99% Variable
Transfers
Intro APR	0%	0%
Intro APR Period	14 months	14 months
Regular APR	11.99% - 22.99% Variable	11.99% - 22.99% Variable
Transfer Fee	3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*	3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
Rewards
Reward Type	Cash Back	Cash Back
Reward Bonus	N/A	N/A
Reward Cap	No	No
Reward Details	INTRO OFFER: Unlimited Cashback Match – 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. Just a dollar-for-dollar match. Earn cash back on your next road trip with 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically. Redeem your cash back for any amount, any time. Cash rewards never expire.	INTRO OFFER: Unlimited Cashback Match – 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. You could turn $150 cash back into $300. Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically. Redeem cash back in any amount, any time. Rewards never expire. Use your rewards at Amazon.com checkout.
Penalties
Max Late Fee	$40	$40
Max Overlimit Fee	See Terms	See Terms
Max Default APR	None	None
Cash
Cash APR	24.99% Variable	24.99% Variable
Cash Advance Fee	Either $10 or 5% of the amount of each cash advance, whichever is greater	Either $10 or 5% of the amount of each cash advance, whichever is greater
Other
Additional Info	100% U.S. Based Customer Service available any time. Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more. Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free. No annual fee. Discover is accepted nationwide by 99% of the places that take credit cards.	#1 Most Trusted Credit Card according to Investor’s Business Daily. No annual fee. Discover is accepted nationwide by 99% of the places that take credit cards.
One-time Setup Fees	None	None
Foreign Transaction Fee	0%	0%
Grace Period	See Terms	See Terms

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