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Consumer (Regular) Card Offer from Discover Bank.


Basic Information

  • 0% Intro APR* on balance transfers for 18 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. A fee of 3% applies for each balance transferred.
  • 0% Intro APR* on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
  • 2% cash back on up to $1,000 in combined purchases at restaurants and gas stations every quarter - no sign-ups needed*. 1% cash back on all your other purchases.
  • No annual fee, no overlimit fee, no late fee on your first late payment and no foreign transaction fee*.
  • Free FICO® Credit Score online and on your monthly statement so you can track your score's progress*.
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases.
  • 100 % U.S. based customer service - anytime, day and night.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply".

0%* Intro APR

18 months on BT*Intro APR Period

Excellent*Credit Needed

25 Days*Grace Period

$0.00*Late Payment Fee



APR:10.99% - 20.99%* Variable
Card Network:Discover®
Card Type:- Instant Decision Card
- Low Interest Credit Card
- No Foreign Transaction Fee Credit Card
- Reward Card

Card Review


Product Rating:
Ratings (5 out of 5)

The Discover it chrome Card - 18 Month Promotional Balance Transfer holds a lot of promise to qualified US residents with balance transfers to make. For a full 1.5 years cardholders who transfer their balance from other credit cards within the promotional period are treated to a 0% intro APR - quite a good amount of time to get things in order. Attached to the offer is another 0% intro APR application to purchases over a six month period.

Cardholders on this Discover it chrome are treated to a base 1% cashback bonus on all purchases and 5% cashback on select categories that change from time to time. As you spend your cashback bonuses accumulate and thankfully they have no expiration date so you can keep gathering them up til you have enough to redeem gift cards and eCertificates from your favorite retailers.

There is no annual fee.

The review is prepared by staff. Opinions expressed therein are solely those of the reviewer.

Rewards & Benefits

Reward Types:- Cash Back Reward Cards
- Gas Reward Cards
- Universal Reward Cards
Rewards:- 2% cash back on up to $1,000 in combined purchases at restaurants and gas stations every quarter - no sign-ups needed*.
- 1% cash back on all your other purchases.
Other Benefits:- Internet account related services
- Fraud and security protection services
- $500,000 in travel accident insurance
- Discounts on products and services at participating merchants and retailers
- Auto rental insurance
- Turn your Cashback Bonus into bigger rewards every time you redeem for gift cards or instant eCertificates from over 100 brand-name Partners
Credit Reporting:Yes

Card Finance & Rates

Introductory APR:0%*
Applied Towards:Purchases, Balance Transfer
Introductory Period:18 months on BT*
APR on Purchases:10.99% - 20.99%* Variable
Annual Fee:$0*

Balance Transfers

Balance Transfer:Yes*
Transfer Fee:3.00%

Cash Advances

APR on Cash Advances:24.99%

Notes

The information provided for the Discover it® chrome Credit Card - 18 months intro is considered to be accurate at the time of posting (Oct 1, 2014). However, we strongly advise site visitors to check the terms and conditions applicable to the product on the card issuers application page prior to completing an application.


Application Security

Please note that all applications feature secure SSL technology for your online protection.



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