A Travel Credit CardĪlthough neither the Discover it® Chrome nor the Discover it® Cash Back charge foreign transaction fees, there are other no-annual-fee cards without foreign transaction fees that are better for frequent travelers. A card that earns 2% back on all your spending, without any categories to track or having to activate your elevated rewards each quarter, might be both a simpler and more lucrative option. Earning 1% on all other spending can easily be bested by multiple 2% cash-back cards. Outside of the quarterly bonus categories, neither card offers a compelling rate of rewards. The Discover it® Chrome card holder who can maximize the $1,000 quarterly spending cap on gas and groceries can potentially earn up to $80 per year in gas and grocery spending. The Discover it® Cash Back card holder who can maximize the card’s 5% bonus categories can theoretically earn up to $300 back in the 5% categories per year. Which card is right for you will ultimately depend on your spending habits and ability to manage the spending caps imposed by each card.įrom a pure math perspective, someone who can manage the Discover it® Cash Back card’s requirement to opt in to the bonus 5% categories each quarter and also maximize the $1,500 spending cap each quarter will score greater cash-back rewards than someone with the Discover it® Chrome card who can max out the grocery and gas bonus categories. Plus, earn unlimited 1% cash back on all other purchases – automatically. The Discover it® Cash Back card earns 5% cash back on everyday purchases at different places each quarter up to a quarterly maximum of $1,500 in spending when activated. Plus earn unlimited 1% cash back on all other purchases. The Discover it® Chrome card earns 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, automatically. Where they differ is in their rewards structures. Discover It Cashbackīoth the Discover it® Chrome and the Discover it® Cash Back cards carry no annual fee, have similar low intro APR offers and have the same first-year cash-back match offer from the issuer. Here is a list of our partners who offer products that we have affiliate links for.ĭiscover It Chrome Vs. While we work hard to provide accurate and up to date information that we think you will find relevant, Forbes Advisor does not and cannot guarantee that any information provided is complete and makes no representations or warranties in connection thereto, nor to the accuracy or applicability thereof. The compensation we receive from advertisers does not influence the recommendations or advice our editorial team provides in our articles or otherwise impact any of the editorial content on Forbes Advisor. Second, we also include links to advertisers’ offers in some of our articles these “affiliate links” may generate income for our site when you click on them. This site does not include all companies or products available within the market. The compensation we receive for those placements affects how and where advertisers’ offers appear on the site. First, we provide paid placements to advertisers to present their offers. This compensation comes from two main sources. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive compensation from the companies that advertise on the Forbes Advisor site. The Forbes Advisor editorial team is independent and objective.

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