Discover it Cash Back vs. Chrome: Cash Back Is More Polished
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Discover’s primary cash-back credit cards, the Discover it® Cash Back and the Discover it® Chrome, are kissing cousins. The cards have the same annual fee and the same bonus offer for new cardholders, while they differ on their rewards structures and their introductory APR periods.
For those looking to transfer a balance, the Discover it® Chrome stands out with a longer period to pay down that debt. For those looking to finance a big purchase over time, the Discover it® Cash Back is the more compelling option. For everyone else, the decision will likely be based on their distinct rewards structures. The Discover it® Cash Back is a rotating bonus category card, while the Discover it® Chrome primarily rewards gas and dining expenses.
Certainly, the Discover it® Chrome is a fine choice for people with lengthy car commutes and a preference for eating out rather than cooking at home. But unless you're doing a lot of spending in the gas and dining categories, the Discover it® Cash Back will probably be the better option.
Here’s how to decide between these two credit cards from Discover.
» MORE: Best Discover credit cards
on Discover's website, or call 800-347-0264
on Discover's website, or call 800-347-0264
INTRO OFFER: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
INTRO OFFER: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
5% cash back in categories that change each quarter (category activation required), on up to $1,500 in spending per quarter.
Unlimited 1% cash back on other purchases.
2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter.
Unlimited 1% cash back on other purchases.
0% intro APR for 15 months on purchases and balance transfers, and then the ongoing APR of 18.74%-27.74% Variable APR
0% intro APR on Purchases for 6 months and 0% intro APR on Balance Transfers for 18 months, and then the ongoing APR of 18.74%-27.74% Variable APR
Why the Discover it® Cash Back is better for most people
Higher rewards rate
The Discover it® Cash Back has a bonus cash back rate of 5%, but the Discover it® Chrome tops out at 2%. For that simple reason, the Discover it® Cash Back card is the superior pick for most people. Cardholders can get 5% back on purchases in the bonus categories each quarter, up to the quarterly maximum of $1,500. (After hitting the max, cardholders will earn 1% in those categories.) Better still, the bonus categories tend to reward cardholders for everyday spending on groceries, restaurants, gas stations and more.
Here are the current bonus categories:
Discover bonus rewards categories for 2024 | |
|---|---|
Q1 (Jan. 1–March 31) |
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Q2 (April 1–June 30) |
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Q3 (July 1–Sept. 30) |
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Q4 (Oct. 1–Dec. 31) |
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To get the 5% rate, cardholders must "activate" or opt in to the bonus categories for each quarter, preferably before the new quarter begins because the 5% rate doesn’t apply retroactively. Say you opt in to the Q3 bonus categories on July 10, nine days after the beginning of the quarter on July 1. Only purchases in those bonus categories made on or after July 10 will earn the 5% rate.
Cardholders may activate the bonus categories on Discover.com, via the reminder email sent by Discover, the mobile app, or by calling 800-347-2683.
Rewards redemptions are the same for Discover it® Cash Back and Discover it® Chrome. Rewards may be redeemed at any time for as little as 1 cent ($5 minimum for gift cards). Options include a statement credit, deposit to a checking or savings account, gift card, donation to select charities, or redeem at participating merchants. Rewards for both cards do not expire as long as the account is in good standing.
Longer intro APR period for purchases
If you've got a big purchase coming up and would benefit from having a long time to pay it down without interest, the Discover it® Cash Back is the much better option.
Who might prefer the Discover it® Chrome
Heavy spenders on gas and dining
Discover aptly markets the Discover it® Chrome as a “gas and restaurant credit card,” so if you tend to spend a lot in those areas, the Chrome card will reward you more consistently for those purchases than the Discover it® Cash Back.
Chrome cardholders will earn 2% back at gas stations and restaurants up to the combined quarterly cap of $1,000. Purchases beyond the $1,000 limit only earn 1% until the quarter resets. Also note that gas from supermarkets, supercenters and wholesale clubs may not qualify for the 2%.
Check out the earning potential of the Discover it® Cash Back vs. the Discover it® Chrome based on spending in the bonus categories. The numbers are based on the assumption that bonus categories are maxed out each quarter.
Cash back from one quarter | Cash back from all four quarters | Cash back match after one-year account anniversary | |
|---|---|---|---|
Discover it® Cash Back | $75. | $300. | $600. |
Discover it® Chrome | $20. | $80. | $160. |
As you can see, the Discover it® Cash Back easily beats the Discover it® Chrome. While it’s unlikely that you’ll max out the bonus categories every quarter, the table nevertheless shows that picking the right card for your spending habits and aligning spending with the quarterly bonus categories can reap meaningful rewards.
» SEE: Best credit cards for gas
Those who prefer low-maintenance rewards
Activation is not required to get 2% back on gas and dining out with the Discover it® Chrome, a major selling point for those who don’t want to keep track of quarterly bonus categories that change every year.
Consumers looking for a balance transfer
The balance transfer offer on the Discover it® Cash Back is pretty good, but the offer on the Discover it® Chrome is even better.
Which card should you get?
The Discover it® Cash Back gives big rewards for everyday spending, and that often includes gas and restaurants, which are the only two bonus categories for the Discover it® Chrome. Given the rewards structures for the two cards, the Discover it® Chrome simply can’t compete with the earning potential of the Discover it® Cash Back. However, if you can’t be bothered with rotating bonus categories and activation deadlines, the Discover it® Chrome offers a simpler path to earning cash back. Want to keep it simple but earn even more rewards? The Wells Fargo Active Cash® Card earns 2% cash back on all purchases, no matter the category, with no activation required. » COMPARE: Best 2% cash back credit cards
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