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of Discover it® cashback* and Discover it® chrome* have many superficial similarities. foreign transaction feeunlimited cashback welcome bonus, same introductory APR, but a completely different reward structure.
For most people discover cashback Discover it Cash Back’s flagship rotating rewards category offers greater rewards than Discover it chrome. That said, Discover it chrome may be a better choice for commuters looking for consistent reward rates at gas stations and restaurants, or for certain viewers who prefer simplicity and predictability.
which card is better?
| feature | winner |
|---|---|
|
Annual fee |
tie |
|
reward |
discover cashback |
|
welcome bonus |
tie |
|
Getting started with APR |
tie |
|
personalization |
discover cashback |
Referral offerIntro Offer: Unlimited Cashback Matches – Only from Discover. Discover will automatically match any cashback earned at the end of his first year. There is no minimum spend or maximum reward. You can convert $150 cash back to $300.
April14.99% – 25.99% variable
Referral Purchase APR0% for 15 months
Recommended credit good/excellent
- Activate to earn 5% cash back on your daily purchases at various quarterly locations including Amazon.com, grocery stores, restaurants and gas stations, up to a quarterly maximum.
- Automatically earn 1% unlimited cashback on all other purchases.
Annual fee$0
Trial balance transfer APR0% for 15 months
Balance transfer APR14.99% – 25.99% variable
Balance transfer fee 3% initial balance transfer fee, up to 5% fee for future balance transfers (see conditions)*
late fee No late payment for the first time. Then up to $41.
foreign transaction fee none
- Activate to earn 5% cash back on your daily purchases at various quarterly locations including Amazon.com, grocery stores, restaurants and gas stations, up to a quarterly maximum.
- Automatically earn 1% unlimited cashback on all other purchases.
Referral offerIntro Offer: Unlimited Cashback Matches – Only from Discover. Discover will automatically match all cashback earned at the end of his first year!There is no minimum spend or maximum reward. Just a dollar vs dollar match.
April14.99% – 25.99% variable
Referral Purchase APR0% for 15 months
Recommended credit average/good/very good
- Earn 2% cash back on purchases totaling up to $1,000 each quarter at gas stations and restaurants.
- Automatically earn 1% unlimited cashback on all other purchases.
Annual fee$0
Trial balance transfer APR0% for 15 months
Balance transfer APR14.99% – 25.99% variable
Balance transfer fee 3% initial balance transfer fee, up to 5% fee for future balance transfers (see conditions)*
late fee No late payment for the first time. Then up to $41.
foreign transaction fee none
- Earn 2% cash back on purchases totaling up to $1,000 each quarter at gas stations and restaurants.
- Automatically earn 1% unlimited cashback on all other purchases.
Annual fee
Winner: Draw
Both cards have the same annual fee of $0.and both offer comparable benefits Recommended credit cards with no annual fee — Competitive reward programs, welcome bonuses, and referral APRs that reduce interest on purchases or balance transfers.
reward
Winner: Discover it cashback
Discover it cashback earns 5% cashback on daily purchases through categories that rotate quarterly for up to $1,500 (1% thereafter) spent each quarter. This makes rewards a little less predictable, but usually includes basic things like purchases from gas stations, grocery stores, and popular retailers. and earn 5% cash back on purchases up to $1,500 (1% thereafter) with your digital wallet. Otherwise, you will earn 1% on all other purchases.
A drawback of the Discover it Cash Back Rewards Program is that the rewards categories must be manually activated every quarter. It’s not a deal breaker — Discover will send you a reminder by email — but you have one more thing to track.
Discover it chrome’s rewards program is not very competitive. Gas stations and restaurants offer 2% cash back on quarterly total purchases up to $1,000 (1% thereafter) and 1% cash back on all other purchases.of best restaurant credit card When best petrol credit card We offer up to 5% back, but not all of them limit your earnings.
welcome bonus
Winner: Draw
Both cards offer the same potential welcome bonuses, but in the end, the rewards program on the card that fits your budget is the best.
All Discover cards offer an Unlimited Cashback Match as a welcome bonus (referred to as Discover Match’s “Unlimited Bonus” on Discover It® Miles* cards). Essentially, Discover equates to all cashback earned in his first year, but he has to wait a year to receive it.Still, it best welcome bonus Available in light of its endless possibilities.
Getting started with APR
Winner: Draw
Both cards offer the same introductory APR, just like the welcome bonus. 0% interest on first purchase for 15 months, Balance transfer, with a subsequently variable APR from 14.99% to 25.99%.this can help you finance a big purchase, cover emergency costs Or avoid interest on existing repayments credit card debt.
Both cards offer the same conditions regarding balance transfers. A 3% credit transfer fee (see conditions) is available. Most of the time it’s the standard rate. balance transfer credit cardAfter that, the balance transfer fee increases to an exorbitant 5% (see terms).
personalization
Winner: Discover it cashback
It’s a small thing, but few credit cards offer design choices. But Discover It Cash Back offers images of popular hobbies and symbols, picturesque landscapes and initials. Alternatively, you can choose a solid design in the color of your choice. Discover it Chrome has no design options.
Conclusion
Discover it Cash Back is a better choice for most people. There is a Discover it Chrome Beat reward. Discover it chrome is a little simpler because you don’t have to manually activate reward offers, but low reward rates at gas stations and restaurants, combined with spending caps, leave something to be desired.
Frequently Asked Questions
*All information regarding Discover it Cash Back, Discover it chrome, Discover it Miles and Capital One Savor Cash Rewards credit cards is independently collected by CNET and has not been reviewed by the issuer.
The editorial content on this page is based solely on the objective and independent evaluation of our writers and is not influenced by any advertising or partnership. It is not provided or commissioned by any third party. However, we may receive compensation for clicking links to products or services offered by our partners.
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