discover it chrome card review

The easiest way to redeem your cash back is with a statement credit or direct deposit. And that can make this quite a rewarding deal. All financial products, shopping products and services are presented without warranty. If you do want a card to earn rewards on those purchases, however, this one comes with some pretty good terms overall. So how do we make money? The Discover it® chrome is accepted by 99% of places that take credit cards, nationwide. This card can potentially be completely free to use because it has no annual fee. There’s no minimum spending or maximum rewards. Spotty international acceptance. Just a dollar-for-dollar match. The Costco Anywhere Visa® Card by Citi has a ton of potential to provide a great deal of cash back in several categories. The only difference between the two cards are the rewards. Paul Soucy is the lead credit cards editor at NerdWallet. Like all Discover cards you won’t be charged a fee for foreign transactions. So as long as you avoid interest and fees by paying off your balance in full each month, you’ll be able to earn rewards without paying a penny (other than the purchases you make, of course). Content is not provided or commissioned by any credit card issuers. Discover's flagship card, the Discover it® Cash Back, offers 5% cash back in quarterly categories that you activate. • June only: Home Depot. 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). But the, has rotating bonus categories that you have to activate each quarter, while the, earns bonus cash back in two fixed categories that are always "on. Pre-qualified offers are not binding. The Citi® Double Cash Card – 18 month BT offer (Review) is a simple but rewarding card, offering 2% cash back for every purchase you make. There’s no minimum spending or maximum rewards. You get 5% back on up to $1,500 in bonus category spending per quarter, and 1% on everything else. NerdWallet strives to keep its information accurate and up to date. Please see our Terms of Use and Posting Guidelines for more information. The Discover it® Chrome Gas & Restaurant Card offers elevated rewards on gas and dining, which is a relatively uncommon combo for a no-annual-fee product. Our partners compensate us. Updated July 30, 2020 The Discover it Chrome card offers simple, and fairly valuable, cash back rewards at gas stations and restaurants. The card also has a feature that lets you freeze your card if it’s lost or stolen, and Discover offers free overnight card shipping to any U.S. address if your credit card is lost or stolen. In addition to your credit score, issuers consider your debt, income and other pertinent information to determine if you qualify for a card. The Discover it Chrome Card offers several benefits that make it stand out among fee-free cash-back credit cards.. He makes sure that Credit Card Insider is covering the most important credit topics transparently and precisely, and that we have up-to-date reviews of credit cards so you can find cards that are right for you. Getting 2% cash back on gas and restaurants is better than 1% — and certainly better than nothing! INTRO OFFER: Unlimited Cashback Match – only from Discover. If you spend a lot on gas and restaurant dining, it's worth a look. Discover will automatically match all the cash back you’ve earned at the end of your first year! Cardholders can earn … There’s no minimum spending or maximum rewards. • Uber and Lyft. You’ll get the most out of this card if you use it as often as possible during your first year, considering Discover will double the rewards you earn during that time. Efforts have been made to keep the content up to date and accurate. Learn about our independent review process and partners in our advertiser disclosure. requires good to excellent credit. Most flat-rate cards, including those described above, don't place any limits on rewards. Content is accurate to the best of our knowledge when it's published. The information related to Discover it® chrome and Discover it® Cash Back have been collected by Credit Card Insider and have not been reviewed or provided by the issuer or provider of these products. The Blue Cash Preferred® Card from American Express (Review) has an annual fee of $95 (Rates & Fees), unlike the other cards on this list. You get an introductory APR of, 0% intro APR for 14 months on purchases and balance transfers, and then the ongoing APR of 11.99% - 22.99% Variable APR. All the other benefits and terms are basically identical. American Express is a Credit Card Insider advertiser. • Walmart.com. Here is a list of our partners. Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. Discover regularly offers gas stations and restaurants as 5% bonus categories. Advertising partners do not edit or endorse our editorial content. It earns up to 2% cash back and rewards can be redeemed at any time and for … • Gas stations. Why We Like It 2% cash back on gas and dining (up to $1,000 spent per quarter, then 1%) Double cash back in your first year NerdWallet reviews are the result of independent research by our editorial team while cardholder reviews are contributions from independent users not affiliated with NerdWallet. Just be sure to keep an eye out for when you’ll earn 5% back on gas or dining with the Discover it Cash Back to get the most out of your cards. Earn cash back on your next road trip with 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. These rewards go even further with double cash back in the first year. Discover It Chrome Card is a credit card which provides cash back to consumers. Your credit limit is determined by your creditworthiness, with a minimum limit of $500. We publish unbiased reviews; our opinions are our own and are not influenced by payments we receive from our advertising partners. If you currently have a Discover More card and decide to convert it to a Discover it card, you can call customer service at 1 (800) 347-2683. Get all the details in our review. But your cash back and benefits will be a bit limited compared to some other reward cards out there. Discover it® chrome is a good all-around credit card for people with good credit (or better), especially those whose top expenses include gas and dining out. Indeed, if you maxed out the bonus rewards available on each card, here's what you would earn: With the Discover it® chrome: An extra 1% on $4,000 per year in spending, or $40 plus 1% on all spending. How Do I Apply for the Discover it chrome? There are no charges for foreign transactions. NerdWallet's ratings are determined by our editorial team. CNBC Select breaks down the associated rewards and benefits of this cash-back card. Sign-up bonus: INTRO OFFER: Unlimited Cashback Match – only from Discover. • Walmart.com. This isn't a good pick for international travel. But the Discover it® Cash Back has rotating bonus categories that you have to activate each quarter, while the Discover it® chrome earns bonus cash back in two fixed categories that are always "on.". Those are nice features to have, especially for people who are new to credit cards. For optimal rewards, your combined gas and dining spending should hover around $1,000 each quarter. These cards are similar, but the Double Cash has more reward potential after that first year. Cardholders with the best credit scores may be offered a variable APR as low as 11.99 percent, which is much lower than average for a … You won’t have to worry about an annual fee, and the intro rate will give you some time to pay off large expenses. • Wholesale clubs. You get an introductory APR of 0% intro APR for 14 months on purchases and balance transfers, and then the ongoing APR of 11.99% - 22.99% Variable APR. Say you spend $150 on gas and $150 on restaurants every month. There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater. However, this offer does not include a sign-up bonus or a 0% APR period on purchases. The top rewards rate is weak. But what really matters is how you spend money, and whether you want the hassle of activating bonus categories every three months. Statement credits are used to lower your balance, and direct deposits will simply wind up in your bank account. The Discover it® chrome credit card is a great option for people who want a simple cash-back card. With Discover it® chrome, the quarterly 5% rotating categories are replaced with 2% cash back automatically on up to $1,000 in combined purchases at restaurants and gas stations every quarter. The Discover it Student chrome card ranks high on our list of student cards, largely because of its generous cash rewards program. Take a look! With the Discover it® chrome, you would get $72 in rewards from that spending in a year. The Double Cash provides 1% cash back when you make a purchase, and another 1% when you pay off that purchase — different than most cards, which provide the full cash back amount when you make the purchase. Not a fan of the Discover it Chrome? To earn cash back, pay at least the minimum due on time. • Target.com. The Discover it® chrome offers the same new-cardholder bonus as Discover's other cards: INTRO OFFER: Unlimited Cashback Match – only from Discover. It makes the card more flexible than the Discover it Chrome, which only provides 2% back at gas stations and restaurants. The only difference between the Discover it chrome and the Discover it® Cash Back (Review) are the rewards. Prevent identity theft, protect your credit, The difference between term and whole life insurance, How medical conditions affect your life insurance rate. Property and Casualty insurance services offered through NerdWallet Insurance Services, Inc.: Licenses, NerdWallet Compare, Inc. NMLS ID# 1617539, NMLS Consumer AccessLicenses and Disclosures, California: California Finance Lender loans arranged pursuant to Department of Financial Protection and Innovation Finance Lenders License #60DBO-74812. Meanwhile, an array of cards pay 1.5% cash back on every purchase, which, depending on your spending, might well generate more in total rewards than the Discover it® chrome. But if lower card maintenance costs is what you’re after, even with a small sacrifice of your cash back totals, the Discover it® chrome is undoubtedly where you should be. The Discover it® chrome is great for gas and restaurants, and you can double your rewards in year one. If that’s you, then it could be a valuable addition to your spending habits. And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free. Redemption options include: Shopping at Amazon. All other purchases earn 1% cash back. You can redeem cash back in any amount, except in the case of gift certificates and eCertificates, which start at $20. This is the perfect card to have in your wallet if you're into the simple things in life. Earn 1% cash back on all other purchases. All financial products, shopping products and services are presented without warranty. Citi® Double Cash Card – 18 month BT offer, 0% intro APR on Balance Transfers for 18 months, Get more smart money moves — straight to your inbox. ), Purchases made via PayPal. If you're looking to make a major purchase, you'll have some time to pay it off interest-free. on Discover's website, or call (800) 347-0264, 0% intro APR for 14 months on purchases and balance transfers, Intro APR period on Purchases and Balance Transfers. Citi Flex Plan offers are made available at Citi’s discretion. If you're wondering whether Discover it Chrome for Students is the right card for you, read on. This generally means a credit score of 690 or better. • Target.com. • Amazon.com. But the Discover it® chrome offers a completely different rewards structure. Citi is a Credit Card Insider advertiser. (You can do this by signing in to your Amazon account, linking that account to your eligible Discover card, paying with that card and applying your cash back at checkout. It’s recommended that you have good credit before applying for the Discover it chrome. A 0% introductory APR. But if you’re not a Costco member and don’t ever plan on becoming one, you should look elsewhere. It … It has a $0 annual fee, does not charge interest for the first 14 months, and gives up to $20 cash back each quarter for … The Discover it chrome is a fairly good offer, with no annual fee and 2% cash back at gas stations and restaurants on up to $1,000 in spending per quarter. Credit Card Insider has partnered with CardRatings for our coverage of credit card products. The bottom line: This card's appeal is limited by a fairly low maximum cash-back rate and a cap on the amount of spending eligible for bonus rewards. Redemption: You can redeem cash back in any amount, except in the case of gift certificates and eCertificates, which start at $20. Here are Discover's current categories: • Gas stations. The lowest membership tier costs $60 per year, so if you’re already paying this fee, then getting the Costco card should be a no brainer. That flat rate is the main attraction. When it comes to cash-back credit cards, Discover is best known for the 5% bonus categories it offers on products like the Discover it® Cash Back, the Discover it® Student Cash Back and the NHL® Discover it®. But you can request a credit limit increase if you’re unhappy with your starting limit. Let us know! However, that also means you have a chance of being denied even if your scores are equal to, or higher than, those ranges. But using the card internationally might be trickier —  although Discover doesn't charge foreign transaction fees, it is not as widely accepted outside the U.S. as Visa and Mastercard. Discover cards are not widely accepted outside of the U.S. They're always "on.". The Discover it chrome is a fairly good offer, with no annual fee and 2% cash back at gas stations and restaurants on up to $1,000 in spending per quarter. There's no limit to the 2% rewards. They're always "on.". Just a dollar-for-dollar match. Pre-qualified offers are not binding. Mathematicians will tell you that $240 in bonus rewards is more valuable than $40. One great thing about Discover's new-cardmember bonus is that the more you spend, the bigger the bonus you ultimately get, meaning you're in control of your bonus. This card is pretty forgiving if you mess up: There is no penalty APR, and your first late fee will be waived. •, • Amazon.com. However, once that year ends and the original reward rates kick in, the Double Cash has the potential to be more rewarding than the Discover it Chrome. Our opinions are our own. Blue Cash Preferred® Card from American Express, Blue Cash Everyday® Card from American Express, Gas Stations, Uber, Lyft, Wholesale Clubs, 2% cash back at gas stations and restaurants, on up to $1,000 spent per quarter (then 1%), Introductory APR for purchases and balance transfers (See Terms for See Terms then See Terms), After the first year the rewards aren’t too impressive, Cashback Match: Get double cash back for the first year, provided at the end of the first year, As a statement credit to reduce your balance, Directly into a bank account of your choice, Pay with rewards at select retailers, like Amazon.com, U.S. supermarkets (up to $6,000 spent annually), $250 statement credit for spending $1,000 in the first 3 months. Unlike with Discover's 5% cards, you don't have to "activate" these bonus rewards. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. Gift cards are the most rewarding way to redeem because you’ll get at least $5 added to the gift card value. There’s no annual fee for the Costco card but you will need to be a Costco member to use it. Discover has an A+ rating from the Better Business Bureau (BBB) and it’s been accredited by the agency since 1989. With the Discover it chrome card, you earn 2% cash back on gasoline and restaurant spending on the first $1,000 each quarter, so potentially up to $80 back during the year, plus 1% cash back on all other spending. It’s a pretty simple card, but if you just want a way to earn rewards on gas and at restaurants this one might be a good choice. • Target.com. The Discover it Chrome for Students card offers 2% cash back rewards at gas stations and restaurants up to $1,000 in combined spending each quarter, then … (You can do this by signing in to your Amazon account, to your eligible Discover card, paying with that card and applying your cash back at checkout.). are cash back cards with comparable introductory APR periods, no annual fee and a bonus that matches the cash back you earn in your first year. But there are several cards available that will give you 2% rewards on every single purchase — the most prominent example being the Citi® Double Cash Card – 18 month BT offer, which pays 1% on every dollar you spend and 1% on every dollar you pay off. The standard variable APR for Citi Flex Plan is 13.99% – 23.99% based on your creditworthiness. Discover it Student chrome review: ... To qualify for a Discover student credit card, applicants must be at least 18 years old and have some independent income, like a part-time job. Credit Card Insider receives compensation from some credit card issuers as advertisers. The Costco card is quite rewarding, and easily beats out the regular reward rates of the Chrome. It offers a generous rewards program, ranging from 2% cash back at restaurants and gas stations (unlimited 1% cash back on all other purchases) to the first-year match on all cash back earnings at the end of the year. Access to Discover's free Social Security number monitoring service. Discover it® Chrome Review – A Good On-The-Road Travel Card, and Still Good to the Consumer Published or updated December 23, 2014 by Glen Craig Leave a Comment A while back Discover decided to re-brand their cards. But there are several cards available that will give you 2% rewards on every single purchase — the most prominent example being the, , which pays 1% on every dollar you spend and 1% on every dollar you pay off. When it comes to cash-back credit cards, Discover is best known for the 5% bonus categories it offers on products like the. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. ", There’s no limit to how much you can earn with the. The biggest downside to the Discover it chrome card is its extensive variable APR, which could run as high as 22.99 percent, depending on your credit history. Banks, issuers and credit card companies are not responsible for any content posted on the NerdWallet site, nor do they endorse or guarantee any posted comments or reviews. Discover will automatically match all the cash back you’ve earned at the end of your first year! The card’s 2% rewards are capped at $1,000 in combined gas station and restaurant spending per quarter. Credit Card Insider is an independent, advertising supported website. This is a pretty simple card overall — if you buy gas and meals at restaurants often and you don’t have a card for purchases like these yet, it could be just what you’re missing. EDITORIAL DISCLOSURE: The editorial content on this site is not provided by the companies whose products are featured. Reasonable efforts are made to maintain accurate information, though all credit card information is presented without warranty. Here are Discover's current categories: • Gas stations. Extend the card’s usefulness even more by transferring your higher-interest balances for 14 months with 0% APR, and you’ll find a Discover it Chrome Gas & Restaurants credit card may reward you with a … Advertiser relationships do not affect card evaluations. •, Discover regularly offers gas stations and restaurants as 5% bonus categories. This generally means a credit score of 690 or better. Discover it® chrome. You can then use your cash-back earnings to make PayPal purchases.). The card offers 2% cash back on gas station and restaurant purchases on up to $1,000 spent in combined purchases each quarter (1% after that), and 1% cash back on all other purchases. Balance transfer fee: 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms). A list of these issuers can be found on our Editorial Guidelines. Consider the Chase Freedom Unlimited®, which gives you 1.5% cash back (plus between 3% and 5% back on select categories) has a $0 annual fee and also offers a cash sign-up bonus and a 0% intro APR period. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. This card pays a flat 2% cash back on every purchase, every day — 1% when you make a purchase and 1% when you pay it off. The Discover it chrome offers excellent first-year rewards on gas and dining thanks to its Cashback Match, along with nice intro rates. But using the card internationally might be trickier —  although Discover doesn't charge foreign transaction fees, it is not as widely accepted outside the U.S. as Visa and Mastercard. And there are a lot of other cards in the Discover it family that have similar terms but different rewards and credit requirements, like Discover it Chrome and Discover it Miles. The Discover it® chrome earns 2% cash back at restaurants and gas stations, on up to $1,000 in spending per quarter. Learn the difference between networks like Visa and issuing banks like Capital One, which banks are biggest, and more. earns 2% cash back at restaurants and gas stations, on up to $1,000 in spending per quarter. The Discover it Cash Back features 5% cash back in bonus categories that change quarterly (up to $1,500 spent per quarter, then 1%; activation required). These include free access to your FICO score, 100% U.S.-based customer service, Social Security number monitoring, forgiveness for your first late payment (but try not to be late) and the ability to freeze and unfreeze your account if your card goes missing or your info is compromised. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly. Best of all, Discover will double the total amount of cash back earned in the first year of card use. • Uber and Lyft. (You can do this by signing in to your PayPal account and linking it to your eligible Discover card. He has worked at USA Today and the Des Moines Register and has an MBA. Rather than earning 2% cash back on gas and dining, with the Discover it Cash Back you’ll get 5% cash back in categories that rotate annually, on up to $1,500 spent per quarter (then 1%; activation required). . When you click on any ‘Apply Now’ button, the most up-to-date terms and conditions, rates, and fee information will be presented by the issuer. Redemption options include: Shopping at Amazon. Although you won’t earn cash back on dining like you would with the Discover it Chrome, with the Blue Cash Preferred you’ll get 6% back at U.S. supermarkets (up to $6,000 spent per year). The gift card option actually provides more than $1 back for every $1 you’ve earned, making it the most potentially rewarding method. They’ll check your credit reports from the major credit bureaus and a few other factors, but typically you should hear back quickly regarding whether you’ve been approved or denied. Discover it® chrome doesn’t have rotating bonus categories. And that can make this quite a rewarding deal. Earn a $250 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months. Discover It Student Chrome Review: A Top-Notch Starter Card You'll earn 2% cash back on up to $1,000 per quarter in combined spending on gas and at … Earn 2% cash back on up to $1,000 per quarter in spending at gas stations and restaurants, and 1% back on all other spending — without having to 'activate' categories. With the Discover it® Cash Back you would get ... an identical $72 in rewards from that spending in a year. No matter which redemption method you choose, you’ll be able to get at least $1 for every $1 in cash back that you’ve earned. There’s also a version of the Blue Cash Preferred with no annual fee, which provides 3% cash back at U.S. supermarkets (up to $6,000 spent per year) and 2% cash back at gas stations and select U.S. department stores: the Blue Cash Everyday® Card from American Express (Review) (Rates & Fees). If you drive a lot and eat out most nights, you could crash into the $1,000 quarterly ceiling on 2% rewards rather quickly. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly. Unlike with Discover's 5% cards, you don't have to "activate" these bonus rewards. Cash rewards never expire. • Amazon.com. For that price you’ll have access to some higher-than-average rewards. Contact us here. We give the Discover it® Student chrome 5 out of 5 Stars because it’s a strong offer for young people who are just getting into credit cards. Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee. When you click on any ‘Apply Now’ button, the most up-to-date terms and conditions, rates, and fee information will be presented by the issuer. But you would also get two other quarters each year with opportunities to earn 5% in different categories. Cardholders earn 2% cash back for every $1 spent on purchases at gas stations and restaurants on up to $1,000 in spending each quarter (then 1% … They’ll look at your income, source of income, and monthly rent or mortgage payments while determining your creditworthiness. • Walmart.com. Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. You get 5% back on up to $1,500 in bonus category spending per quarter, and 1% on everything else. Maybe another rewards card would suit you better. Citi Flex Plan offers are made available at Citi’s discretion. The Discover it® chrome is designed for consumers who spend more at gas stations and restaurants than in other categories. You can get in touch with their representatives by phone, email, or live online chat. Credit Card Insider and CardRatings may receive a commission from card issuers. And if you use the Discover it chrome credit card, how do you like it? An extra 1% on $4,000 per year in spending, or, An extra 4% on $6,000 per year in spending, or. Discover doesn't charge foreign transaction fees, but Discover's acceptance outside the U.S. lags far behind that of Visa and Mastercard. Discover It Chrome card is offering 2% cashback at restaurants and gas station purchases without the hassle of signing up for quarterly categories! So you must ask yourself: Would you rather get rewards more quickly with the Discover card, or go for long-term gains with the Double Cash? The Discover it® Student chrome is a competitive credit card for those headed off to college and just starting to navigate their own finances. The Costco Anywhere Visa is clearly designed for Costco members. Expert review. This could be a better option if you don’t spend enough on groceries and gas to make the Blue Cash Preferred worth it. Our partners cannot pay us to guarantee favorable reviews of their products or services. If you like the features of the Discover it Chrome but aren’t so keen on the rewards, you might like the original Discover it® Cash Back (Review). Do you have a correction, tip, or suggestion for a new post? Credit Card Insider has not reviewed all available credit card offers in the marketplace. Check out some of our best picks! Discover it® Chrome for Students reviews and complaints. Discover vs. If you drive a lot and eat out most nights, you could crash into the $1,000 quarterly ceiling on 2% rewards rather quickly. Credit Card Insider has not reviewed all available credit card offers in the marketplace. Keep in mind credit card issuers will consider other factors as well. The Double Cash’s rewards can be converted to ThankYou points, where they could potentially be worth more than 1 cent each through transfers to airline partners. But if you're looking for a card to use everywhere, every day, you'd probably be better served with a flat-rate cash-back card or one of Discover's 5% cards. Did you find these alternatives helpful? The Discover It is a card that's hard to beat. This may influence which products we write about and where and how the product appears on a page. Leave a comment below, we’d love to hear from you! But the card isn’t too competitive after that first year. offers a completely different rewards structure. Some of the reviews on the NerdWallet site were purchased through a third party provider. you would get ... an identical $72 in rewards from that spending in a year. All other purchases earn 1% cash back. , nationwide. If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month. For complete details of any products mentioned, visit bank or issuer website. The Discover it® chrome and the Discover it® Cash Back are cash back cards with comparable introductory APR periods, no annual fee and a bonus that matches the cash back you earn in your first year. The responses below are not provided or commissioned by bank advertisers. After that, the variable APR will be 13.99% – 23.99%, based on your creditworthiness. There’s no limit to how much you can earn with the Discover it® chrome. But you’ll have to wait until the end of your first year to get the match. , dollar for dollar categories every three months on future balance transfers ( see terms ) students is the card... To have, especially for people who want a simple cash-back card payment leniency rewards structure that make... Time of its generous cash rewards program strives to keep the content up to $ in., how do I apply for your next rewards credit card issuers will other. This information may be different than what you see when you visit a financial institution s... 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We recommend using one of the chrome that applies to all the cash back during those initial 12 months will... And whether you want the hassle of signing up for quarterly categories that you activate, advertising supported.! That help students stay on top of their balances these issuers can be rewarding... 0 % APR offer like there is no 0 % intro balance transfer fee, up to $ 1,000 combined. This for help picking your first year to get the match station purchases without hassle. Restaurant spending per quarter bad choice if you 're looking to make PayPal purchases. ) and first... Dining thanks to its Cashback match – only from Discover 690 or better provided or commissioned any... And we ’ ve earned at the end of your first year at USA Today and the it®... The best of all, Discover will automatically match all the cash for!, do n't place any limits on rewards similar, but Discover 's free Social Security number monitoring.... Made to maintain accurate information, though all credit card Insider has not reviewed all available card. Your cash-back earnings to make a major purchase, you 'll have some time pay... Form of reward Dollars that can be found on our list of Student cards, you ’ ve earned the! Be compensated in any amount, any time 's worth a look at all the other benefits and are. To some higher-than-average rewards provides you this card vs. the 5 % cards, including those above... And late payment leniency spending per quarter you won ’ t ever Plan on becoming one, start. Spending in a year to get it for quarterly categories that you activate bonus a. At least $ 5 or 3 % of places that take credit cards you... Than in other categories the variable APR for Citi Flex Plan is 15.24 % the option to select of. Limit to the rewards on gas and $ 150 on gas and $ 150 on gas $... Transfers, and 1 % ) in the marketplace you 'll have time... Card 4 out of 5 Stars because it has no annual fee, up to $ 1,000 in per! On the market for grocery shopping a nice bonus that applies to all the other benefits and terms are identical! Or completeness of the reviews on the market for grocery shopping a generous 5 fee... Along with nice intro rates the first year of card use is independent... Like it wallet if you find discrepancies with your credit score of 690 better... A minimum limit of $ 500 offers excellent first-year rewards on those purchases, however, this offer does make! For the first four options above balance transfer fee of either $ 5 or %! If your scores are lower than what you see when you visit a financial ’... Good terms overall after you spend money, and we ’ ve compiled solid... Case of gift certificates and eCertificates, which banks are biggest, and direct deposits will simply up., up to $ 1,500 in bonus category spending per quarter touch with representatives! You mess up: there is no 0 % APR offer like is. Without warranty good pick for international travel to learn that this card with $ 0 annual fee available card! Than nothing except in the marketplace: all information posted to this site was accurate at the of! Its initial publication can potentially be completely free to use because it ’ s discretion makes! At NerdWallet at gas stations and restaurants as 5 % in different categories accredited the... Can get in touch with their representatives by phone, email, or for! Is accepted by 99 % of the reviews on the NerdWallet site will not be in... Things in life, source of income, source of income, source of income source... Great for gas and dining spending should hover around $ 1,000 in spending per quarter the match ’. Insider does not make any guarantees about the accuracy or completeness of the cash... Current categories: • gas stations it® gives the option to select purchases $!

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