Discover it Chrome Review

July 29th, 2015

At the beginning of 2014, Discover cleaned out its closet of an entire range of reward credit card offerings and began to offer just a single card called “Discover it.” This card tried to do all things well, and was very successful. It offered a competitive rewards program, attractive promotional financing offers, and highly regarded customer service.

  • 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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Anyone with experience with credit cards and award travel will eventually find out that earning airline miles is relatively easy. Spending them is actually the hard part. In recent years, airlines have drastically reduced the number of award seats that they make available at the lowest mileage levels. Instead, travelers are asked to redeemed the miles for two or three times the number of miles that are advertised.

No, I do not want to redeem 50,000 miles for a $300 domestic round trip flight

Between discounted airfare and high priced awards, many travelers are now finding that their miles are worth less than a penny each. At those rates, they might as well sign up for a competitive cash back award, and fly when and where they want on their own dime (and earn more worthless miles for doing so!).

  • For a limited time, earn 75,000 AAdvantage® bonus miles after making $7,500 in purchases in the first 3 months of account opening*
  • Admirals Club® membership for you with guest privileges*
  • 10,000 Elite Qualifying Miles from American Airlines after $40,000 spent in purchases each calendar year*
  • Receive a statement credit, up to $100 every 5 years, as reimbursement for your application fee for Global Entry or TSA Pre✔®*
  • No Foreign Transaction Fees on purchases*
  • Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines and US Airways purchases and 1 AAdvantage® mile for every $1 spent on other purchases*
  • First checked bag is free on domestic American Airlines and US Airways itineraries for you and up to eight companions traveling with you on the same reservation*
Purchases Intro
Balance Transfers Intro
Regular APR
Annual Fee
Credit Needed

N/A*

N/A*

15.24% (Variable)*

$450

Excellent Credit



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Should You Apply For The New Discover It Chrome?

July 24, 2015

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 […]

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Citi’s Balance Transfer Credit Cards With EMV Smart Chips

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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 […]

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Rewards Pro – How To Book An Award Flight

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A lot of credit card users are tired of reward cards that earn frequent flier miles. They come to this conclusion after trying, and failing to use their miles for a trip they want to go on.  Nevertheless, there is a community of reward enthusiasts that are consistently able to find the award flights they […]

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The Importance Of Checking Your Credit Score

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Your good credit is one of the most valuable assets you have. Having a strong credit report will help you to qualifying for loans at the lowest interest rates, be approved for new credit cards, and even help pass a pre-employment background check. In the past, Americans might only have found out about their credit […]

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How To Avoid Balance Transfer Fees

July 15, 2015

0% APR balance transfer offers can be incredibly valuable. These offers allow cardholders to open up a new credit card account, and transfer their existing balances to it to avoid all interest charges during the promotional financing period. But the biggest downside of these offers is that nearly all of them require the payment of […]

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Citi Simplicity’s Stunning Financing Offer

July 13, 2015

In recent years, credit cards have offered promotional financing for as long as 18 months. But now, Citi has surpassed its rivals by offering 21 months of interest free financing on both new purchases and balance transfers, with a 3% balance transfer fee.

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