Purchases made through third-party payment accounts, mobile or wireless card readers, virtual wallets or similar technology will not be eligible if the technology does not provide sufficient transaction details for rewards qualification. Discover It Chrome Card Bonuses & Rewards. The chrome card also rewards commuters and frequent road trippers with 2 percent cash back on gas. No purchase minimums. With the Discover it chrome card, you earn 2% cash back on gasoline and restaurant spending on the first $1,000 each quarter, so potentially up to $80 back during the year, plus 1% cash back on all other spending. With good account management like paying on time and staying within your limit, the credit limit on your account may increase over time—specifically, you may qualify for an increase after your 5th statement and then … Instead, it offers a much simpler rewards system. MAKE YOUR CREDIT FUTURE SHINE WITH THE CHROME CARD MAKE YOUR CREDIT FUTURE SHINE WITH THE CHROME CARD. But with the Discover it® Chrome, you also won’t pay foreign transaction fees or a late fee on your first late payment. If you’re not satisfied with your credit limit, you could request an increase online by signing in to your account or by calling 1 (800) 347-2683. Enjoy our low APR … 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 12.99% - … For rates and fees of the Blue Cash Preferred® Card from American Express, please click here. Now after over a year, my limit has increased to $9000. Discover It has several cards in the family with similar names. Consumer Rating: Lowest: 546 . Card Category . No annual fee Apply Now. However, credit score alone does not guarantee or imply approval for any credit card offer. With that having been said, initial credit limits for student cards are usually low, often around $500 to $2,000. 4 Star . That’s $500 less than the spending cap on the Discover it® Cash Back. 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. If you do want a card to earn rewards on those purchases, however, this one comes with some pretty good terms overall. The Discover IT Chrome For Student credit card is a credit card for students, that offers a lot more then most other student credit cards which we will discuss in this review. more in the Discover Help Center. What’s more, there’s no penalty APR, which can be as high as 29.99% with other credit cards. 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. 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. This card is pretty forgiving if you mess up: There is no penalty APR, and your first late fee will be waived. How Do I Apply for the Discover it chrome? Happy customers also say they’ve found Discover support to be quick and helpful. Discover is a large credit union as well as the third largest credit card brand in the United States. The Citi® Double Cash Card – 18 month BT offer (Review) is a simple but rewarding card, offering 2% cash back for every purchase you make. See rewards terms and conditions. Overall Rating: Discover gave me a $1000 limit when they approved me. It is not the bank advertisers' responsibility to ensure all posts are accurate and/or questions are answered. Discover it® chrome cons. browser has not been updated. Reasonable efforts are made to maintain accurate information, though all credit card information is presented without warranty. The extended warranty from your credit … Referral reward statement credit amounts range from $50 to $100 and maximum annual referral amount will be stated in individual referral offers upon login. Cardholders aren’t charged a late fee the first time they miss a payment (after your first late payment, an up to $40 late fee applies) and they won’t get hit with a massive penalty rate if they repeatedly fall behind. Best at gas stations and restaurants. Discover’s customer service is there to help, and they do a pretty good job at it compared to most credit card issuers. And if you use the Discover it chrome credit card, how do you like it? Take a look at all the benefits attached to your card. Just be sure to keep an eye out for when you’ll earn 5% back on gas or dining with the Discover it Cash Back to get the most out of your cards. One Good Grade Reward per School Year, per account, up to a maximum of five (5) consecutive years from the date your account is opened. This benefit may change or end in the future. After that, the variable APR will be 13.99% – 23.99%, based on your creditworthiness. A different student credit card that offers a higher cash back rate on every … The thinking typically is, if a cardholder has paid their bills on time in the past, odds are they’ll do so in the future.If you’ve never missed a payment in over twenty years of credit card use, in the eyes of the credit card companies you’re probably lower of a non-payment threat. Maybe another rewards card would suit you better. Even if this is your first non-secured credit card, there’s a real chance that you can pass muster, as long as you prove that you … Use the Discover it Cash Back where you’ll earn 5% cash back, and the Discover it Chrome for your gas and restaurant purchases. BOA and Citi have approved me for cards with $700 and $1000 limits. The first year put about 30k of medical on it paid the balance off every month. For starters, if you have an on-campus meal plan and don’t have a car, the bonus cash back at restaurants and gas stations might not be valuable to you. ), … If JavaScript is disabled, The Discover it® Student chrome rewards cardholders with 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, then 1%. The minimum credit limit a Discover it® cardholder will receive is $300, and no cardholders reported a Discover it® credit limit above $20,000 (though we’ve personally heard otherwise, with one cardholder reporting a credit limit of $25,500). Credit Card Insider receives compensation from advertisers whose products may be mentioned on this page. Gift cards are the most rewarding way to redeem because you’ll get at least $5 added to the gift card value. Discover and other lenders may use different inputs, such as FICO® Credit Scores, other credit scores and more information in credit decisions. Statement credits are used to lower your balance, and direct deposits will simply wind up in your bank account. See Discover.com/FICO about the availability of your score. For complete details of any products mentioned, visit bank or issuer website. Don't waste your time with these clowns. Calendar quarters are defined as the three-month periods beginning January 1, April 1, July 1, and October 1. No Need to Have Excellent Credit. You will not be notified whether a specific referral was approved or declined. But if you’re not a Costco member and don’t ever plan on becoming one, you should look elsewhere. Acceptance: According to the Feb 2020 issue of the Nilson Report. The Double Cash’s rewards can be converted to ThankYou points, where they could potentially be worth more than 1 cent each through transfers to airline partners. American Express is a Credit Card Insider advertiser. 72%. Your Chrome credit card for students earns 2% Cashback - automatically - at: on up to $1,000 in combined purchases each quarter.1. Discover used to be really good but their rewards are lagging behind. If you prefer not to receive your FICO® Credit Score just call us at 1-800-DISCOVER (1-800-347-2683). Home; Feed Home; DISCOVER; DISCOVER BIN Checker Check if a card is of DISCOVER type. Discover it® chrome. You earn a full 2% Cashback Bonus® on your first $1000 in combined purchases at Gas Stations (stand-alone), and Restaurants each calendar quarter. If you’re not satisfied with your credit limit, you could request an increase online by signing in to your account or by calling 1 (800) 347-2683 . You also earn 3% cash back on dining vs 2% on this card. Discover it® chrome cardholders benefit from earning 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, then 1%. TU: 743 . There are no charges for foreign transactions. Secure Account Log In. 1 Plus, you automatically earn unlimited 1% cash back on all other purchases. Credit Card Insider has partnered with CardRatings for our coverage of credit card products. In 2013, Discover discontinued those cards and launched its line of “it” cards. But you should commit to always using your card responsibly. 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. I was so pleased that Discover gave me a starting limit of $4000. If you spend a large amount on gas and dining each month, the Discover it Chrome credit card can help put some money back in your wallet. Your first late payment also gets a pass. However, that also means you have a chance of being denied even if your scores are equal to, or higher than, those ranges. There’s also a version of the Blue Cash Preferred with no annual fee, which provides 3% cash back at U.S. supermarkets (up to $6,000 spent per year) and 2% cash back at gas stations and select U.S. department stores: the Blue Cash Everyday® Card from American Express (Review) (Rates & Fees). Cardholders can call Discover's main number (1-800-DISCOVER, or 1-800-347-2683) in order to make their request orally. Discover has an A+ rating from the Better Business Bureau (BBB) and it’s been accredited by the agency since 1989. Not doing so could harm your credit rating and make obtaining credit more difficult. The quarterly cap IMO … However, the information should be listed on your monthly statement. DISCLAIMER: All information posted to this site was accurate at the time of its initial publication. This card offers 2 percent cash back on up to $1,000 in combined purchases at gas stations and restaurants each quarter with a $0 annual fee. Some issuers will apply a penalty apr if you go over your credit limit or make a late payment, but Discover will not. On the surface, the Discover it® Cash Back and Discover it® chrome look similar – they have the same simple exterior with the words “Discover it” emblazoned across the front.. Discover's customer service is really fantastic and as many have said here, the app is great. Content is accurate to the best of our knowledge when it's published. This information is intended for and only provided to Primary account holders who have an available score. Heads up: What you should consider before applying for Discover it® Student chrome. However this feature of the card is still questionable because there is a $1000 limit in each quarters of the year. To learn more, visit Discover.com/FICO. For all other purchases, you’ll earn 1 percent cash back. Freeze it®: When you freeze your account, Discover will not authorize new purchases, cash advances or balance transfers. Every eight months, Discover will review your account and credit history for responsible use and may refund your deposit. Restaurants (including cafes, takeout, delivery and fast-food), You can use the Discover mobile app to set alerts, view your FICO, Free Social Security number alerts: we'll monitor thousands of Dark Web sites when you sign. And that can make this quite a rewarding deal. You’ll get the most out of this card if you use it as often as possible during your first year, considering Discover will double the rewards you earn during that time. Find list and ranges of DISCOVER BINs. The first year put about 30k of medical on it paid the balance off every month. browser to access this page. Gas Stations affiliated with supermarkets and supercenters may not be eligible. The Discover it chrome offers excellent first-year rewards on gas and dining thanks to its Cashback Match, along with nice intro rates. be unable to log in to Discover.com in the future if your However, it’s no secret that this card’s qualification standards aren’t as onerous as those of some competing cash back credit cards. Using your secured card will build a credit history with the three major … The Discover it® Student chrome can help you build credit while earning you cash back on your purchases. Making all your payments on time is a great start to responsible credit use. Some cards offer miles or points, but some people may prefer earning cash back rewards. Credit Card Insider has not reviewed all available credit card offers in the marketplace. Only Discover automatically matches all the cash back youv'e earned at the end of your first year.3, Get a $20 statement credit each school year your GPA is 3.0 or higher for up to the next five years.4. 18%. The only difference between the two cards are the rewards. Restaurant purchases include only those made at merchants classified as full-service restaurants, cafes, cafeterias and fast food locations. If you're a student building credit, the Discover it® Student chrome is an excellent starting point on your credit journey. Discover it Chrome earns 2% cash back on gas station and restaurant purchases, up to $1,000 in total spending per quarter. Head over to the Rewards tab to check out the 2020 rewards calendar. Advertising partners do not edit or endorse our editorial content. There’s a solid See Terms introductory APR for both purchases and balance transfers, offering a competitive amount of time compared to other reward cards. And avoid paying interest on purchases by paying your balance in full by the due date each month. Customers will see up to a year of recent scores online. Many credit cards offer rewards that you earn as a percent of your purchases. Password However, there is no 0% APR offer like there is with the Chrome. Get all the details in our review. Please contact your tax advisor. To see a list of Frequently Asked Questions, visit discover.com/freealerts. Monitoring your credit report does not impact your credit score. These extra bits of information could potentially lead to your approval, even if your scores are lower than what’s recommended. Read our comparison chart below. All other purchases also earn an unlimited 1% cash back. Use BIN lookup app to search specific DISCOVER BIN. The Discover it Cash Back is a rotating categories card that offers a 5% bonus on a different category each … Plus, earn unlimited 1% cash back on all other purchases like books, groceries and college staples with the student Discover® card designed for your lifestyle in college and beyond. This compensation may influence the selection, appearance, and order of appearance of the offers listed on the website. Discover It is an excellent cash back credit card with no annual fee and low interest rate. What’s the credit limit of the Discover it chrome? Discover it® Chrome for Students reviews and complaints. Discover’s customer service department will also be able to tell you, and you can reach them at: 800-347-2683. Happy customers also say they’ve found Discover support to be quick and helpful. Earn a $250 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months. Like all Discover cards you won’t be charged a fee for foreign transactions. The card offers 2% cash back on gas station and restaurant purchases on up to $1,000 spent in combined purchases each quarter (1% after that), and 1% cash back on all other purchases. If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month. For students who do most of their spending in the same categories all year long, the Discover it Student chrome is a solid choice. The cash back is great and Discover customer support is fantastic. credit card advice. All Credit Cards See if you're pre-approved. ... Once you hit this $1,500 limit, the cash back percentage drops back down to 1%. So you can earn no more than $80 in bonus rewards per year. The offers that appear on Credit.com’s website are from companies from which Credit.com receives compensation. autocomplete results are available use up and down arrows to The Costco Anywhere Visa® Card by Citi has a ton of potential to provide a great deal of cash back in several categories. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. However, once that year ends and the original reward rates kick in, the Double Cash has the potential to be more rewarding than the Discover it Chrome. This generally means a credit score of 690 or better. {rating} average out of {total} ratings on the App Store as of {date}. Ensuring you always make your credit card payments on time is … Student Chrome Card; Secured Card; Business Card; You are here. Advertiser relationships do not affect card ratings or our Best Card Picks. Your payment history — which can account for a significant percentage in credit scoring models — is another measure of your creditworthiness. So as long as you avoid interest and fees by paying off your balance in full each month, you’ll be able to earn rewards without paying a penny (other than the purchases you make, of course). In order to qualify for good credit, your credits scores would need to fall within the ranges of 670–739 for FICO and 700–749 for VantageScore. You can use the Discover mobile app to set alerts, view your FICO® Score for free6 and more, all from your smartphone, tablet or wearable. Balance transfer fee. To earn cash back, pay at least the minimum due on time. But your cash back and benefits will be a bit limited compared to some other reward cards out there. Any time ask for credit increase got it with no problems. The Discover it® chrome requires good to excellent credit. What do I need to do to apply for a Discover Card? Discover was my first credit card and to this day, it remains my favorite card. Discover it® chrome doesn’t have rotating bonus categories. You can get in touch with their representatives by phone, email, or live online chat. Discover it® Chrome Gas & Restaurant Credit Card: learn about its APR, fees, benefits, and cash back program. Provide all required application information. Credit Card Insider receives compensation from some credit card issuers as advertisers. * To build your credit rating and be considered for credit limit increases, use your card sensibly, stay within your credit limit and pay your monthly minimum payment on time. Good Grade: Good Grade Reward only available to new cardmembers on or after 7/23/2015 who indicate on their application that they are currently enrolled in college, and whose accounts are current and remain open when the Good Grade Reward is requested. By: Ashley Dull . Citi Flex Plan offers are made available at Citi’s discretion. The credit limits on the Chase Sapphire Reserve® card are even higher, with forum visitors routinely reporting lines of $50,000 to $80.000. There’s no annual fee for the Costco card but you will need to be a Costco member to use it. Brendan has been writing about personal finance for over eight years, and is now taking on the challenge of bringing high quality credit education to the masses. It’s a similar card to the Discover it® Cash Back (Review), which has 5% cash back rotating categories (on up to $1,500 spent per quarter, then 1%; activation required). Keep in mind credit card issuers will consider other factors as well. Best of all, Discover will double the total amount of cash back earned in the first year of card use. 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more). Discover doesn’t explicitly market the Discover it Chrome card as a remedy for bad credit, nor as a tool for building credit. Student credit cards are designed for students to begin establishing a credit for themselves. Not a fan of the Discover it Chrome? Any time ask for credit increase got it with no problems. Those are nice features to have, especially for people who are new to credit cards. Discover it Student chrome. Then when I got sick and piled up medical debt, they slashed my credit limit in half. In this article, you will know all you need to know about the Discover it Chrome. Perhaps you recently landed a nice raise at work, reduced your credit utilization, or simply, you’ve had your Discover card account for a while now and have always paid on time — it may time to explore how to increase the credit limit on that Discover card. That’s total, not $1,000 per category. Blue Cash Preferred® Card from American Express, Blue Cash Everyday® Card from American Express, Gas Stations, Wholesale Clubs, Select Streaming Services, 2% cash back at gas stations and restaurants, on up to $1,000 spent per quarter (then 1%), Introductory APR for purchases and balance transfers (See Terms for See Terms then See Terms), After the first year the rewards aren’t too impressive, Cashback Match: Get double cash back for the first year, provided at the end of the first year, As a statement credit to reduce your balance, Directly into a bank account of your choice, Pay with rewards at select retailers, like Amazon.com, U.S. supermarkets (up to $6,000 spent annually), $250 statement credit for spending $1,000 in the first 3 months. Bin Check. So if you like the rewards on both, you might consider using them in tandem. the display of rates and APRs. The Discover it® chrome requires good to excellent credit. Please give us two billing cycles to process your request. The starting Discover it chrome credit limit is $500. This promotional offer may not be available in the future and is exclusively for new cardmembers. The Discover it® Student chrome is a good option to help college and university students improve their credit. Cashback Match: Only from Discover, as of December 2020. The gas and restaurant cash back is … DW's is 23 years old next month and at $28,000 - no idea of the SL. Discover's two main avenues for making a credit limit request are: By phone . The website does not include all financial services companies … Is Discover it Chrome a good cc? 5 Star . Discover it® Chrome is a rewards credit card for students that reports to the three major credit bureaus, so you can build credit with responsible use.2. 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. These rewards go even further with double cash back in the first year. I decided to give Discover a shot and chose the Chrome rather than the IT because I did not fancy the 5% categories. What are the Discover it … DISCOVER IT CASH BACK VS DISCOVER IT CHROME: CREDIT REQUIRED. You automatically earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Discover it® Chrome. The Discover it® chrome, Discover it® Secured and Discover it® Student chrome cards offer 2% back at restaurants and at gas stations, subject to a spending cap. They usually have a low credit limit with some minor rewards. Both Discover it Cash Back and Discover it chrome require good credit for approval, which means you have the best chances with a score of 670+. However, the rewards aren't as great as many cards. Discover gives you a choice of several unique card designs when you apply to become a cardmember. Gas stations; Restaurants (including cafes, takeout, delivery and fast-food) on up to $1,000 in combined purchases each quarter. Average Score: 671. Purchases at Gas Stations and Restaurants over the quarterly cap, and all other purchases, earn 1% cash back. All other purchases earn 1% cash back with no cap. LOL Mine is about 18 months old and started at a measly $2500 but is at a slightly-less-measly $8000 now. Please Note: JavaScript is not enabled in your Citi is a Credit Card Insider advertiser. How does an extended warranty work? Checking for pre-approval won't hurt your credit-score. The card offers 2% cash back on gas station and restaurant purchases on up to $1,000 spent in combined purchases each quarter (1% after that), and 1% cash back on all other purchases. For example, you earn 4% on gas (up to $6,000 limit a year - which is better than the $1000 quarterly cap of the Discover Chrome). It makes the card more flexible than the Discover it Chrome, which only provides 2% back at gas stations and restaurants. They’ll look at your income, source of income, and monthly rent or mortgage payments while determining your creditworthiness. you must update your browser as soon as possible. ( 26103 BINs Found ) Bank Type Country BIN---- Credit United States: 391202---- Credit United States: 394579: Bank Of America: Credit United States: 650464- … DISCOVER IT CASH BACK VS DISCOVER IT CHROME: REVIEWS. Discover offers new cardmembers … Advertiser relationships do not affect card evaluations. 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. Total credit limit: 23,800 (AMEX, DISCOVER, VISA) Current limit too low. more in the Discover Help Center. You’ll also get double rewards in your first year, a nice bonus that applies to all the cash back you earn. Limits on higher rewards rate. 1. There's no purchase minimum and no limit to how much we'll match. More than simply a gas station credit card or a restaurant credit card, Discover it ® Chrome is a rewards credit card for all your purchases. 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. Content is not provided or commissioned by any credit card issuers. Existing Discover cardmembers and those who have opted out of receiving marketing communications from Discover are not eligible referrals. The standard variable APR for Citi Flex Plan is 13.99% – 23.99% based on your creditworthiness. 6% Cash Back on select U.S. streaming subscriptions. Updates happen quickly and almost instantaneously. How can I responsibly use a Discover Student Card? This could be a better option if you don’t spend enough on groceries and gas to make the Blue Cash Preferred worth it. Discover IT Chrome Card – Apply for Discover IT Chrome Credit Card Benefits » What is the Discover it, Chrome Card? The Costco card is quite rewarding, and easily beats out the regular reward rates of the Chrome. Do you have a correction, tip, or suggestion for a new post? It’s recommended that you have good credit before applying for the Discover it chrome. Discover it Chrome Rewards Program. Instead, it offers a much simpler rewards system. But you can request a credit limit increase if you’re unhappy with your starting limit. Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee. Discover it® chrome Credit Card Interest Rates & Fees; Introductory APR for Purchases: 0% introductory APR for 14 months: 0% introductory APR for 14 months: Introductory APR for Balance Transfers: 0% introductory APR for 14 months: 0% introductory APR for 14 months: Purchase APR: 11.99% to 22.99% Variable based on your creditworthiness and other factors: 11.99% to 22.99% Variable based on your … 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. Please allow up to 1-2 billing periods for the statement credit to post to your account after each referral is approved. They’ll check your credit reports from the major credit bureaus and a few other factors, but typically you should hear back quickly regarding whether you’ve been approved or denied. With the Discover it® chrome, cardholders are limited to earning the higher cashback rate to the first $1,000 in combined gas station and restaurant purchases each quarter. Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. Discover is accepted nationwide by 99% of the places that take credit cards. The lowest membership tier costs $60 per year, so if you’re already paying this fee, then getting the Costco card should be a no brainer. However, Credit Card Insider does not make any guarantees about the accuracy or completeness of the information provided. Discover; Credit Cards; Discover it ® Secured; Discover it ® Secured Credit Card Build or rebuild your credit with responsible use. The Discover it® chrome card fits better for people that are looking to get approved with fair credit, enjoy eating at restaurants and fill up gas constantly to commute to work. – 23.99 %, based on Experian information and data which may be mentioned on card! 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