The Discover card just released a new version of its wildly successful it card, called the Discover it chrome. This new card features 1% cash back on all purchases, plus another 1% back on gas and dining charges, on up to $1,000 each quarter of eligible spending.

The it Chrome offers 12 months of interest free financing on both new purchases and balance transfers with a 3% balance transfer fee.

Lets see how this new offer compares with the regular Discover it card:

  • Double all the cash back you've earned at the end of your first year automatically—only for new cardmembers*
  • 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.
  • 0% intro APR on purchases & balance transfers for 12 months—then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • New Freeze It℠ on/off switch lets you prevent new purchases, cash advances & balance transfers on misplaced cards in seconds by mobile app & online.*
  • Free FICO® Credit Score on statements, online & by mobile app.* And 100% U.S.-based service any time.
  • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on first late payment & paying late won't raise your APR.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text and never responsible for unauthorized purchases on your Discover card.
  • *See rates, rewards, free FICO® Credit Score terms & other info by clicking "Apply."
Purchases Intro
Balance Transfers Intro
Regular APR
Annual Fee
Credit Needed

0% for 12 months*

0% for 12 months*

10.99% - 22.99% Variable*

$0

Excellent Credit


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Travelers to foreign countries are learning that EMV smart chips are quickly becoming the standard. At first, cards needed one of these chips to be read at kiosks such as those that sell train tickets. Now, these card readers are increasingly common in restaurants and stores where employees are just as likely to insert your card into their chip reading machine as they are to swipe it. Furthermore, this trend is continuing in Canada and Mexico, not just overseas.

So what should travelers do when they need a card that features an EMV smart chip, but also offers promotional financing on new purchases and balance transfers? Here are some of the top cards that Citi offers with both.

  • 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 12.99% - 22.99% based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • No late fees - Ever
  • No penalty rate - Ever
  • No annual fee - Ever
  • Save time when you call with fast, personal help, 24 hours a day.
Purchases Intro
Balance Transfers Intro
Regular APR
Annual Fee
Credit Needed

0%* for 21 months*

0%* for 21 months*

12.99% - 22.99% (Variable)*

$0*

Excellent Credit



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