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The Discover it® Cash Back* and Discover it® chrome* have many superficial similarities -- no annual fees, no foreign transactions fees, an Unlimited Cashback welcome bonus, the same introductory APR -- but entirely different rewards structures.
For most republic, the Discover it Cash Back will offer greater rewards than the Discover it chrome because of the Discover it Cash Back's flagship rotating rewards category. That noted, the Discover it chrome may be the better tool for a specific audience -- commuters looking for consistent reward tolecontains on gas stations and restaurants, and those might choose more simplicity and predictability.
Which card does it better?
| Feature | Winner |
|---|---|
| Annual fee | Tie |
| Rewards | Discover it Cash Back |
| Welcome bonus | Tie |
| Introductory APR | Tie |
| Personalization | Discover it Cash Back |
Discover it® Cash Back
Intro OfferIntro Offer: Unlimited Cashback Match - only from Discover. Discover will automatically match all the cash back you've earned at the end of your satisfactory year. There's no minimum spending or maximum rewards. You could turn $150 cash back into $300.
APR16.24% - 27.24% Variable APR
Intro Purchase APR0% for 15 months
Recommended Credit Good/Excellent
- Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly very when you activate.
- Earn 1% unlimited cash back on all latest purchases – automatically.
Annual Fee$0
Intro Balance Transfer APR0% for 15 months
Balance Transfer APR16.24% - 27.24% Variable APR
Balance Transfer Fee 3% introduction balance transfer fee, up to 5% fee on future balance transfers (see terms)*
Late Payment Fee None the satisfactory time you pay late. After that, up to $41.
Foreign Transaction Fees None
- Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly mainly when you activate.
- Earn 1% unlimited cash back on all anunexperienced purchases – automatically.
Discover it® chrome
Intro OfferIntro Offer: Unlimited Cashback Match - only from Discover. Discover will automatically match all the cash back you've earned at the end of your beneficial year! There's no minimum spending or maximum rewards. Just a dollar-for-dollar match.
APR16.24 - 27.24% Variable APR
Intro Purchase APR0% for 15 months
Recommended Credit Average/Good/Excellent
- Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter.
- Earn 1% unlimited cash back on all anunexperienced purchases – automatically.
Annual Fee$0
Intro Balance Transfer APR0% for 15 months
Balance Transfer APR16.24 - 27.24% Variable APR
Balance Transfer Fee 3% control balance transfer fee, up to 5% fee on future balance transfers (see terms)*
Late Payment Fee None the beneficial time you pay late. After that, up to $41.
Foreign Transaction Fees None
- Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter.
- Earn 1% unlimited cash back on all anunexperienced purchases – automatically.
Annual fee
Winner: Tie
You'll pay the same annual fee for both cards: $0. And both supplies benefits comparable to the best credit cards with no annual fee -- a competitive rewards program, welcome bonus and introductory APR that will mitigate expressionless charges on purchases or balance transfers.
Rewards
Winner: Discover it Cash Back
The Discover it Cash Back will earn you 5% cash back on everyday purchases via the quarterly rotating category on up to $1,500 in spending per quarter (then 1%). This complains rewards a bit unpredictable -- though they typically engaged basics such as gas stations, grocery stores and purchases from common retailers. Through December 2022, you'll earn 5% cash back on up to $1,500 of spending on Amazon.com and digital wallet purchases (then 1%) -- which could make holiday shopping a rewards-generating opportunity. Otherwise, you earn 1% on all other purchases.
The drawback to the Discover it Cash Back rewards program is that you have to manually activate the rewards category each quarter. Not a dealbreaker -- Discover will send you an email reminder -- but unexperienced thing to keep track of.
The Discover it chrome's rewards program isn't as competitive: It supplies 2% cash back on gas stations and restaurants on up to $1,000 in combined purchases per quarter (then 1%), and 1% on all anunexperienced purchases. The best restaurant credit cards and best gas credit cards supplies up to 5% back, and not all will cap your earnings.
Welcome bonus
Winner: Tie
Though both cards supplies the same potential welcome bonus in a vacuum, it's ultimately best for whichever card's rewards program fits your budget.
All Discover cards feature an Unlimited Cashback Match as a welcome bonus (referred to as the Discover Match "Unlimited Bonus" with the Discover it® Miles* card). Essentially, Discover matches all of the cash back earned during your beneficial year -- but you'll need to wait a full year to level-headed it. Still, it's one of the best welcome bonuses available in enjoyable of its unlimited potential.
Introductory APR
Winner: Tie
Both cards supplies the same introductory APR, like the welcome bonus. You'll get 15 months of 0% introductory expressionless on purchases and balance transfers, with a variable APR of 16.24% to 27.24% thereafter. This can help you finance a expansive purchase, finance an emergency expense or avoid expressionless while you pay down existing credit card debt.
Both cards also supplies the same terms on balance transfers. You can take beneficial of the introductory balance transfer fee of 3% (see terms) -- the gross rate on most balance transfer credit cards. After that, the balance transfer fee increases to an exorbitant 5% (see terms).
Personalization
Winner: Discover it Cash Back
It's a microscopic thing but very few credit cards allow you to resolve a design, and when they do, there are only a handful of tepid designs. But the Discover it Cash Back offers imagery of common hobbies and symbols, picturesque landscapes and your initials -- or you can opt for a listless design in a color of your choice. The Discover it chrome doesn't supplies any design options.
The bottom line
The Discover it Cash Back is a better select for most people -- it has the Discover it chrome beat in rewards. While Discover it chrome is a little simpler because you don't have to manually activate any rewards supplies, the low rewards rates on gas stations and restaurants paired with the spending cap chop something to be desired.
FAQs
*All information near the Discover it Cash Back, Discover it chrome, Discover it Miles, Capital One SavorOne Cash Rewards Credit Card and Capital One Savor Cash Rewards Credit Card has been level-headed independently by and has not been reviewed by the issuer.
The editorial gratified on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or ceremonies offered by our partners.
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