The latest offering from Discover, the Discover it® chrome credit card actually has two different offers available to applicants. Both are great offers and very attractive to just about anyone. Let’s take a look at what the Discover it Chrome has to offer and you can decide for yourself which offer you like best!
Annual Fees? Nope!
The Discover it® chrome has no annual fee, ever. This makes the Discover it card, in all of its forms and various offers, pretty nice for anyone looking for a great everyday credit card. When you learn about all of the perks that you get for free, you will be impressed!
Two Great Offers to Choose From!
The Discover it Chrome credit card currently has two different offers to choose from, both offering a great introductory APR. The first offer allows you to enjoy a 0% APR for the first 14 months that you have the Discover it Chrome card, on all purchases and balance transfers. After that, you will pay 10.99-22.99% APR, depending on the prime rate and your credit history.
The second offer gives you 6 months of 0% introductory APR on purchases, with an APR of 10.99-22.99% after that period expires. For balance transfers, there is a 0% introductory APR period that lasts for a full 18 months, if you make the balance transfer prior to September 10, 2014. After the introductory rate expires, you pay 10.99-22.99% APR.
Both offers have a 3% balance transfer fee.
Great Options for Earning Cash Back
For both of the current Discover it Chrome offers, you will earn 1% cash back on all purchases. There are bonus categories of gas stations and restaurants—which you will earn 2% cash back for every purchase, for up to $1,000 in quarterly purchases.
Great Options for Redemption
With the Discover it® chrome , you have many options for redeeming your cash back rewards. Get a check mailed to you, get a statement credit, use the cash back at Amazon for online purchases, or use the online shopping portal, ShopDiscover.com, to find some amazing deals that will really maximize your ability to redeem your cash back—with a 5-20% bonus rate!
Track Your Credit Score
Like the other great Discover products, the Discover it Chrome offers cardholders the opportunity to keep careful track of their credit score by putting the FICO score on every statement, every month. As soon as your credit score changes, for better or worse, you will know about it!
This is great if you are working on building up your credit score, because you can watch it rise! But, perhaps even more importantly, you will immediately know if there is any problem that is negatively affecting your credit score so that you can promptly address any issues.
Always Great Discover Service
Discover is well recognized for outstanding customer service. Customers are treated well, and able to get the answers that they need, any time they need them.
The Discover it® chrome is yet another great addition to the Discover family of credit cards. With two great offers to choose from, you really can’t go wrong. Decide which one might work better for you, it might depend on how much money you intend to transfer from another card (if that is a priority for you). If you are not going to be transferring a balance, then the first offer (0% APR for 14 months) is most likely going to be the best deal.