Discover it® Chrome Reviews

Approval Odds

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5.0 out of 5 stars
6 Reviews

From Cardholders in the last year

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Application Process

4 out of 5 stars

Customer Service

4 out of 5 stars

5 5

These reviews were written by current and former cardholders in the last year.

Feb 10, 2018
A great first start!
liber8 Cardholder

New members get match back on everything earned in the first year! Secured credit card is the way to go if first starting out. After a year of keeping a good card you get automatically transferred to a cardholder. They send you a check of your deposit. No annual fee! I love my discover card!

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Jan 14, 2018
My first "good credit" credit card
bwebb38804 Cardholder

 Ive been working on rebuilding my credit for 3 years now. My scores started in the 500 range and are now above 700. Ive been getting pre-approvals in the mail for this card for 2 months. I bit the bullet and applied and was immediatly approved with a $6500 limit, 0% APR for 18 months and $0 annual fee. The online application process was flawless and easy. I got approved immediately, none of that "pending further review" BS. This gave my ego a boost knowing that im finally on the right track with my credit. 

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Feb 22, 2018

How did you get your credit score up from a 500

Jun 17, 2017
New to credit? Look no further.
Verapera Cardholder

I moved to the U.S for college and didn't have any credit history at all when decided to apply for a secured version of Chrome to get started. After 6 months of on-time payments and responsible utilization, Discover automatically returned my deposit, in effect unsecuring the card. I applied for a credit limit increase the next month and was approved for one of $2,500, just like that (note that I am making a modest income working part-time, but still able to report something. Increase amount likely varies depending on how much you can report). In contrast, 10 months into my credit history, I am stuck with Capital One's secured card -- there is no established program for graduation from secured to unsecured, and my deposit will not be returned unless the account is closed. It doesn't bother me as such given that I knew what I signed up for, but it demonstrates the fact that Discover offers a much better launch pad for beginners than other banks. 

I recently did a product change and turned this card into a Discover it with the revolving 5% cash back categories. No issues there -- I can continue using the same card and they're still matching my cash back after the first year. 

Bottom line:

- Offers relatively generous rewards for beginners

- Friendly, competent customer service

- Secured version can be graduated to a regular credit card after as short as six months provided that it is used responsibly

- Can be turned into another Discover card, should your needs change

- Offers a free credit TU score, which is a huge help if you're just getting started with credit

I can 100% recommend this card and Discover!

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Jun 09, 2017
Great Card!!
kgmorris Cardholder

After trying to start rebuilding my credit, I was able to get a Discover card, got a $1400 limit to start, after three months they bumped it to $1600.  

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Jun 02, 2017
Absolutely AMAZING!

I applied for this card the day I turned 18. No credit history, nothing. Was approved with a credit limit of $1,000. Was originally going to use this card for gas and groceries but the cash back is so rewarding that I use my card for every purchase now and have racked up over $150 in cash back in a year just spending like I normally do. Also there are no tricks to the cashback either, available for you yo use whenever, however you please. I also cannot say enough about Discover's customer service. Available by phone 24/7 with no annoying dial tones, a real person picks up immediately every time and is always ready to help. The app is user-friendly and makes payments uber easy. Cannot say enough good things about this card. For a first card you cannot go wrong. I want to open another credit card but Discover's customer service has spoiled me so much that I do not want to deal with other credit card companies. Rest easy with Discover, there is no funny business going on here or anybody trying to scam you. 

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May 25, 2017
Discover It great card
ladybekool Cardholder

My Discover It card finally is a unsecured card after 1 year and 1 month. My deposit was retuned and given a credit limit increase. My score went from a 558 to a 678 fico and still climbing. Made all my payments on time and never late. I like their match rewards at the end of the year plus no annual fee. Great customer service. Thanks Discover for being in my wallet.

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Sample Size: 4,163
Data Created: February 02, 2015

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