Comparison (US)

Discover it® Cash Back vs Discover it® Chrome card: Which is the best?

If you are looking for a card with cash back rewards, you should compare two great option available on the market: Discover it® Cash Back or Discover it® Chrome! So, keep reading and check out their pros and cons!

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by Victória Lourenço

Published on 11/16/2021

Discover it® Cash Back or Discover it® Chrome: card comparison

Find out which card is best: Discover it® Cash Back or Discover it® Chrome! Source: Discover.
Find out which card is best: Discover it® Cash Back or Discover it® Chrome! Source: Discover.

If you are looking for a credit card that rewards your everyday spending habits, cards issued by Discover can be for you. But which one could better fit your needs? Discover it® Cash Back or Discover it® Chrome? Both of these cards offer generous rewards and benefits to cardholders. Also, they have no annual fees and some of the best cashback welcome bonuses for new cardholders.

However, the Discover it® Cash Back card may have some more generous cash back rewards for those that already have some experience in the credit card world. And the Discover it® Student Chrome card is for those in college and want to improve their credit scores. In this post, you will find a comparison of these cards’ features to help you find out which one is better suited for you!

How to apply for Discover it® Student Chrome?

The Discover it® Student Chrome credit card is a good choice for students who need a start in financial planning. See how to apply for it now!

How to get the Discover it® Cash Back credit card?

The Discover it® Cash Back card has no annual fee and up to 5% cash back rewards! Keep reading our post to learn how to apply!

Discover it® Cash Back Discover it® Chrome
Sign-up bonus*As a new cardholder, you will get all your cashback earned matched by Discover at the end of your first year.
*Terms apply.
You can get all your cash back earned matched by Discover at the end of the first year of account opening.
Annual fee$0.$0.
Rewards*Earn 5% cashback on spending categories that change quarterly.

Earn 1% cashback on every other purchase.

*Terms apply.
You can earn 2% cashback on up to $1,000 each quarter spent on combined categories, such as gas stations, restaurants, and more!

Earn 1% unlimited cashback on every other purchase.

*Terms apply.
Other perks*You can use your cashback rewards at Amazon.com.

Get gift cards and eCertificates.

Access your FICO score for free.

*Terms apply.
Low intro APR for 6 months.

Access your FICO credit score.

Get all your payment reports sent to all three major credit bureaus.

*Terms apply.
APR11.99% to 22.99% variable APR.12.99% to 21.99% variable APR.

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Discover it® Cash Back card

This Discover card has a high rewards rate! Source: Discover.
This Discover card has a high rewards rate! Source: Discover.

The Discover it® Cash Back card offers a very high rewards rate. You can get 5% cashback in rotating quarterly categories each quarter (up to $1,500 on purchases) and 1% cashback on every other purchase you make with the card. Also, as a new cardholder, you can get a welcome bonus where Discover will match all your cashback at the end of the first year.

With this card, you can make direct deposits into any account you like, shop at Amazon and with PayPay, and more! Moreover, there is no annual fee or foreign transaction fees. Also, you can get 0% intro APR for 14 months on balance transfers and purchases.

In addition, Discover sends free alerts with information about your Social Security Number if it is found on Dark Web sites. Also, you can turn your account on or off with the Freeze it® program. Plus, you will get a $0 Fraud Liability Guarantee. So, you will not be responsible for purchases you did not authorize on your card.

However, to get all the great benefits offered by this Discover card, you will need a very high credit score. To qualify, your credit score needs to range from 690 to 850 points (good to excellent score).

Discover it® Chrome card

This card is for students who want to improve their scores! Source: Discover.
This card is for students who want to improve their scores! Source: Discover.

The Discover it® Student Chrome card is for students who are looking to improve their credit scores. Also, it sends all of your monthly payments to all three major credit bureaus. So, this credit card will help you build credit while gaining cashback rewards. Plus, you will not have to pay an annual fee.

Moreover, the welcome bonus this credit card offers to its new cardholders is one of the best ones in the market. As a new cardholder, Discover will match all of your earned cash back at the end of your first year of account opening. In addition, you can earn cashback rewards with a rate from 1% to 2%.

So, you can earn 2% cashback for purchases made at gas stations and restaurants, including cafes, takeout, and delivery. Also, you can earn 1% cashback on every other purchase you make with the card.

In addition, you do not need a very high credit score to qualify to get this card. If you have a credit score ranging from 630 to 689, you can qualify for this Discover card. Also, this can be a bit of a downside, as college students do not usually have credit scores because they are at the beginning of their financial life.

However, this credit card can be very useful for those who started their financial life in the credit card world and are looking to improve their score to get other types of credit cards. Also, there is no late fee on your first late payment. So, this card has many features that can benefit those starting in the credit card world.

Benefits of Discover it® Cash Back

  • Get a 0% intro APR for 14 months on purchases and balance transfers.
  • There is no annual fee and no foreign transaction fees.
  • You can earn 5% cash back in rotating categories each quarter (up to $1,500 on purchases).
  • Access your FICO score for free. Also, you can earn 1% cash back on any other purchase.
  • Discover will monitor your Social Security Number and send you alerts if it is found on a Dark Web site.

Benefits of Discover it® Chrome

  • All your payment reports are sent to all three major credit bureaus.
  • There is no late fee on your first late payment.
  • You can get an intro APR of 0% on purchases for six months.
  • Earn 2% cash back rewards for combined category purchases each quarter. Also, get 1% cash back on every other purchase you make.
  • Get all your earned cash back matched by Discover at the end of your first year of account opening.

Disadvantages of Discover it® Cash Back card

  • This credit card has amazing rewards. However, you need a good to excellent credit score to qualify.

Disadvantages of Discover it® Chrome card

  • For a student starting in the credit card world, the rewards offered by this Discover card can be a bit complicated to understand.
  • You already need some experience in the financial world to qualify for this card because it accepts those with average credit scores.

Discover it® Cash Back  or Discover it® Chrome card: which you should choose?

If you want a credit card with solid cash back rewards and you are a student starting in the credit card world, maybe the Discover it® Student Chrome is best for you. However, if you already have some experience in the credit card world and a good credit score, maybe you will get more benefits from the Discover it® Cash Back card.

Therefore, both Discover cards offer amazing benefits. However, you need to understand your current financial situation to know which card fits your profile best. But if you want higher cashback rewards, the Discover it® Cash Back card is the best option. And if you cannot qualify for this Discover card, the Discover it® Student Chrome card is also a great initial option.

So, if you love cashback credit card rewards, there is another option for you. The Chase Freedom Unlimited® credit card has a high rewards rate, and there is no annual fee. Find out more about this card in our post below with a full review!

Chase Freedom Unlimited® credit card full review

No annual fee and no expiration date for cashback redemption? Check the Chase Freedom Unlimited® credit card full review out!

About the author

Victória Lourenço

Victória Lourenço is part of the finance writer team for The Mister Finance website. She is a translator and copywriter, having worked on finance topics for over four years. She has a goal to keep studying finances to help people learn more about how to use their credit cards, make loans, and use other money-related products in a way that they can find a more meaningful and healthy financial life!

Reviewed by

Aline Barbosa

Senior Editor

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