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Discover it® Chrome Card

Simplify your debt and save money on interest

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Discover Cashback Chrome Card

Our lowest intro balance transfer APR

% intro APR‡ for months on balance transfers

% intro APR‡ for months on purchases

% Intro fee on balances transferred by
Then % to % Standard Variable Purchase APR applies

Up to % fee for future balance transfers will apply.

‡See rates, rewards, fees, and other cost information

No annual fee, plus

2%
Cash Back

Earn 2% Cashback Bonus® at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically.†† Plus, earn unlimited 1% cash back on all other purchases.

Unlimited
Cashback Match

Get an unlimited dollar-for-dollar match of all the cash back you earn at the end of your first year, automatically. There is no limit to how much we'll match.2

Redeem
with ease

Your cash back never expires. Redeem your rewards for cash at any time.3

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99% nationwide acceptance — Discover is accepted nationwide by 99% of the places that take credit cards.9

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Benefits that don't just talk the talk

Online Privacy Protection.

We’ll help you regularly remove your personal info from select people-search websites that could sell your data. It’s free, activate with the Discover app.10

Freeze it® on/off switch for your account

If you misplace your card, you can prevent new purchases, cash advances, and balance transfers in seconds with the Freeze it® on/off switch on our mobile app and website.4

FICO® Credit Score for free

Viewing your Credit Scorecard will never impact your FICO® Score.5 Learn More

100% U.S. Based Customer Service.

You can talk to a real person from our customer service team any time.11

Tap to pay.

It's fast and easy to pay with your contactless Discover Card.

Accepted where you love to shop nationwide.

Discover is accepted nationwide by 99% of the places that take credit cards.9

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Questions about credit card balance transfers

You may find balance transfer offers when you consider opening a new credit card account. In other cases, an existing credit card account might give you a balance transfer offer to use with your current line of credit. Either way, it’s important to know that even if you open a new account with a balance transfer offer, your account may not always be eligible for balance transfers. Balance transfers will depend upon your creditworthiness and other factors.

Yes, potential new cardmembers can apply for a Discover it® Cash Back Card and take advantage of a balance transfer offer. This lets you move balances from your existing credit card accounts to a new Discover credit card account. If you’re already a Discover Cardmember, you can log in to your account online to see if you have a credit card balance transfer offer available to you to transfer outstanding debt with other companies to your Discover Card.

A balance transfer is a method of debt consolidation where you combine existing credit card debt and other qualifying debts within one single credit card. This can happen at account opening using a balance transfer offer, or as a promotion from your current credit card issuer.

You can review your balance transfer offer to learn how long it will take for your other debts to be moved to your new account, but the timing may depend on the status of your debt accounts or the ways that they are paid.

 

Once you take a balance transfer offer, you have a set amount of time that the balance is subject to the intro promo APR. That amount of time is defined with the original balance transfer offer. Once that time is up, if you haven’t repaid the transferred amount, it is subject to the standard APR.

If you accept a balance transfer offer, the credit card account will combine the other debts that you want to consolidate, up to the available credit line, and add them to the new account’s balance. You then pay the new account to repay the outstanding balance. This is especially helpful if you have high-interest debt that is more than you can pay in one billing cycle: by using a lower-interest intro rate balance transfer offer, you can pay down your debt over time without accruing as much interest.

 

There are different ways that your outstanding debts may be consolidated within a new account. Some credit card issuers may allow you to deposit the money that you need into your checking account so that you may pay your creditors. In other cases, to take a balance transfer offer you must provide the account information where your other debts are held, and the balance transfer account will pay those creditors directly from your new account. 

 

In both cases, your new credit card account will have an outstanding balance equal to the amount that you transferred, any transfer fees, and any interest that you have accumulated per the intro APR.

Chrome Gas & Restaurant Credit Card

Intro purchase APR is x% for x months from date of account opening then the standard purchase APR applies. Intro Balance Transfer APR is x% for x months from date of first transfer, for transfers under this offer that post to your account by then the standard purchase APR applies. Standard purchase APR: x% variable to x% variable, based on your creditworthiness. Cash APR: x% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or x% of the amount of each cash advance, whichever is greater. Balance transfer fee: x% Intro fee on balances transferred by and up to x% fee for future balance transfers will apply. Annual Fee: None. Rates as of . We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.

†† You earn a full 2% Cashback Bonus® on your first $1000 in combined purchases at Gas Stations (stand-alone), and Restaurants each calendar quarter. Calendar quarters begin January 1, April 1, July 1, and October 1. Purchases at Gas Stations and Restaurants over the quarterly cap, and all other purchases, earn 1% cash back. Gas Station purchases include those made at merchants classified as places that sell automotive gasoline that can be bought at the pump or inside the station, and some public electric vehicle charging stations. Gas Stations affiliated with supermarkets, supercenters, and wholesale clubs may not be eligible. Restaurant purchases include those made at merchants classified as full-service restaurants, cafes, cafeterias, fast-food locations, and restaurant delivery services. Purchases must be made with merchants in the U.S. To qualify for 2%, the purchase transaction date must be before or on the last day of the offer or promotion. For online purchases, the transaction date from the merchant may be the date when the item ships. Rewards are added to your account within two billing periods. Even if a purchase appears to fit in a 2% category, the merchant may not have a merchant category code (MCC) in that category. Merchants and payment processors are assigned an MCC based on their typical products and services. Discover Card does not assign MCCs to merchants. Certain third-party payment accounts and digital wallet transactions may not earn 2% if the technology does not provide sufficient transaction details or a qualifying MCC. Learn more at Discover.com/digitalwallets. See Cashback Bonus Program Terms and Conditions for more information.

  1. Discover® Identity Alerts (Alerts) are offered by Discover Bank at no cost, are available only online, and do not impact your credit score. The Alerts currently provide: (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. Alerts are only provided to Primary cardmembers who agree to receive them online and whose accounts are open, in good standing, have a Social Security Number, and an email address on file. This benefit may change or end in the future. Discover Bank is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. To see a list of Frequently Asked Questions, visit discover.com/freealerts.

  2. Cashback Match: Only from Discover as of March 2024. 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. You've earned cash back rewards only when they're processed, which may be after the transaction date. We will not match: rewards that are processed after your match period ends; statement credits; rewards transfers from Discover checking or other deposit accounts; or rewards for accounts that are closed. This promotional offer may not be available in the future and is exclusively for new cardmembers. No purchase minimums.

  3. Rewards Redemption: Rewards never expire. We reserve the right to determine the method to disburse your rewards balance. We will credit your Account or send you a check with your rewards balance if your Account is closed or if you have not used it within 18 months.

  4. Freeze it®: When you freeze your account, Discover will not authorize new purchases, cash advances or balance transfers (including checks). However, some activity will continue including charges from merchants where your card is stored or billed regularly, 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.

  5. FICO® Credit Score Terms: Your FICO® Credit Score, key factors and other credit information are based on data from TransUnion® and may be different from other credit scores and other credit information provided by different bureaus. This information is intended for and only provided to Primary account holders who have an available score. See Discover.com/FICO about the availability of your score. Your score, key factors and other credit information are available on Discover.com and cardmembers are also provided a score on statements. Customers will see up to a year of recent scores online. Discover and other lenders may use different inputs, such as FICO® Credit Scores, other credit scores and more information in credit decisions. This benefit may change or end in the future. FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.


    If you prefer not to receive your FICO® Credit Score just call us at 1-800-DISCOVER (1-800-347-2683). Please give us two billing cycles to process your request.

  6. Use Rewards at Amazon.com: For complete details on how to Pay with Rewards at Amazon.com see Amazon.com/DiscoverRewards. Amazon is not a sponsor of this promotion. Amazon, the Amazon.com logo, the smile logo and all related marks are trademarks of Amazon.com, Inc. or its affiliates. To redeem your rewards at checkout, you must select the Discover Card from which you want to redeem rewards. If you do not pay for your full purchase with rewards, you may use the Discover Card from which the rewards were applied or an Amazon.com Gift Card to pay for the remainder of your purchase. You may not use a credit card from an issuer other than Discover or another Discover credit card enrolled in Shop with Points in conjunction with the rewards transaction.

  7. Free Overnight Card Replacement: Free overnight shipping is not available to P.O. boxes or addresses outside the U.S. Carrier overnight shipping limitations apply that may impact the exact delivery date.

  8. Use Rewards with PayPal: For complete details on how to Pay with Rewards with PayPal see PayPal.com/Discover. Pay with Rewards with PayPal will be available for eligible credit cards on eligible purchases or rewards can be donated to support a charitable cause with PayPal Giving Fund. To learn more about Pay with Rewards, see terms and conditions.

    All reward redemptions are subject to Discover’s reward program terms. To redeem your rewards at checkout, you must select the Discover Card from which you want to redeem rewards. If you do not pay for your full purchase with rewards, you must use the Discover Card from which the rewards were applied to pay for the remainder of your purchase. You may not use a credit card from an issuer other than Discover or another Discover credit card enrolled in Pay with Rewards in conjunction with the rewards transaction.

    PayPal, and the PayPal logo are trademarks of PayPal and its Affiliates.

  9. Acceptance: According to the Feb 2023 issue of the Nilson Report.

  10. Online Privacy Protection: Online Privacy Protection is offered by Discover Bank at no cost and only available in the mobile app. About every 90 days we will scan at least 10 people-search sites for your online personal information and help you submit opt-out requests. Types of personal information found on these sites will vary.

  11. 100% U.S. Based Customer Service: You can reach a live agent any time by calling 1-800-Discover (1-800-347-2683). Certain specialized customer service agents may not be available 24/7.