Card Review & Application

Discover it chrome Credit Card - 18 months intro


out of 5

- 0% Intro APR* on balance transfers for 18 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. A fee of 3% applies for each balance transferred.
- 0% Intro APR* on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
- 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.
- No annual fee, no overlimit fee, no late fee on your first late payment and no foreign transaction fee*.
- Free FICO® Credit Score online and on your monthly statement so you can track your score's progress*.
- Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases.
- 100 % U.S. based customer service - anytime, day and night.
- *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply".

Introductory APR: 0%*
Introductory Period: 18 months on BT
APR on Purchases: 10.99% - 20.99% (variable)*
Annual Fee: $0*
Card Issuer: Discover Bank
Card Network: Discover®
Card Category: Consumer (Regular)
Card Type: - Instant Decision
- Low Interest Rate
- No Foreign Transaction Fee
- Reward Card
Credit Needed: Excellent*

With the Discover it chrome Card - 18 Month Promotional Balance Transfer individuals with balances on high interest credit cards can not only take advantage but saving hundreds if not thousands of dollars on interest payments. The Discover More is a promotional credit card that promises instant savings to cardholders that take advantage. With just more than their good name to protect, Discover has come up with a enticing idea for many customers with already accumulating debt.

On Discover's 18 Month Balance Transfer credit card you'll have the full 24 months to pay up any balances transferred to the card account. A regular APR is then charged on any balances remaining after the initial period. Do not forget that this credit card only delivers no interest rates on balance transfers. If you do transfer balance from another credit card you still have to pay a 5% balance transfer fee, which in real world terms can be a lot cheaper than when the balance is charged interest.

Purchase transactions on the it chrome Card are also treated to a six month intro APR period. A regular variable rate kicks in on end of the intro period determined by an applications credit rating during the application process. Should a late payment occur, a penalty APR may be applied to new purchases and balance transfers. Cash advance transactions are charged 5% transactions fee and variable APR rates not included in the intro APR offer.

Discover promises cash rewards on all your purchases. You can earn up to 1% cash back after your total purchases for the year exceed $3,000. In addition, the rewards program offers 5% cash back in categories that change from time to time like gas, groceries, travel, restaurant, home improvement and more. With no expiration date, rewards can be left to accumulate and when you feel comfortable, you'll redeem your cashback bonuses for gift cards or instant eCertificates. The grace period on this credit card is 23 days with transactions in foreign currency charged a 2% foreign transaction fee.

Current Discover card members are exempt from this card offer. The minimum credit required to apply is excellent. This is a time-limited offer so hurry up and get one for yourself today. This card offer includes Excess Collision Damage Waiver Insurance and Scheduled Air Travel Accident Insurance. See cardmember agreement for details.

Discover lets you choose from several different card designs on the applications page. There is no annual fee on this card offer.

The review prepared by . Opinions expressed therein are solely those of the reviewer.

Reward Types: - Cash Back Rewards
- Gas Rewards
- Universal Rewards
Reward Unit: Cash
Rewards: - 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.
Expiration: None*
Yearly Limit: None
Other Benefits: - Internet account related services
- Fraud and security protection services
- $500,000 in travel accident insurance
- Discounts on products and services at participating merchants and retailers
- Auto rental insurance
- Turn your Cashback Bonus into bigger rewards every time you redeem for gift cards or instant eCertificates from over 100 brand-name Partners
Credit Reporting: Yes
Online Account Access: Yes
Introductory APR: 0%*
Applied Towards: Purchases, Balance Transfer
Introductory Period: 18 months on BT*
APR on Purchases: 10.99% - 20.99% (variable)*
Annual Fee: $0*
Grace Period: 25 Days*
Min Finance Charge: $0.50
Late Payment Fee: $0.00*
Balance Transfer: Yes
Transfer Fee (%): 3.00%
APR Cash Advances: 24.99%

We do not offer online application for this card at the moment.

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* The information provided for Discover it® chrome Credit Card - 18 months intro is believed to be accurate at the time of evaluation (Oct 1, 2014). We strongly advise visitors to review the terms and conditions to verify accuracy of the information and fees posted prior to applying for the product.

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