Discover Bank Discover it® Chrome Gas & Restaurant Credit Card

Nationwide

Availability

Review details with the company before applying

APRs change over time and are specific to the applicant. Check rates before applying.

Web

discover.com

Phone

(800) 347-2683

Purchase interest rate and fees

17.49% – 28.24%*

*As of Dec. 31, 2024. Advertised purchase APRs change over time and are specific to the applicant, based on your credit score. Check rates before applying.

Here are typical APRs for different credit scores for this card:

Credit score	Median purchase APR	Comparison to other cards
620-719	26.24%	2 dollar sign symbols Pay average interest
720+	23.24%	2 dollar sign symbols Pay average interest

After opening the credit card, the purchase APR is variable, meaning it can go up or down based on the index listed in the details below. Learn more about APRs in general and about fixed versus variable APRs.

0% for 15 months

If a card has promotional interest, ensure you’re on track to pay off the balance within the promotional period, or you could end up owing more in interest than the original purchase amount. Learn more about introductory APR offers.

Foreign transaction fee: None
Minimum finance charge: A minimum interest payment of $0.50 is required to avoid additional fees
Grace period: 25 days until interest begins to accrue on purchases
Balance computation method: daily balance including current transactions
Purchase APR index: The purchase APR varies depending on the value of the prime index

Learn more about how credit card interest is calculated.

Fees

$0

Late fee: $41 for a late payment within six billing cycles of another late payment
Late fee policy details: $0.00 for first occurrence $30.00 if not charged a late fee within last six billing cycles $41.00 otherwise
Over-limit fee: None
Optional Identity Theft Protection: $15 (Monthly)
Returned Payment Fee: $30 ($30 if not charged a returned payment fee during any of the prior six billing periods. Otherwise, $41. As of 7/27/2024 the returned payment fee is $30 for all occurrences.)

Rewards and perks

Cash back and other

Other rewards: Sign-on Bonus - statement credit after $500 in purchases in the first three months Refer A Friend - Refer a friend and get a statement credit for each friend who becomes a cardmember. Cashback Match - Get an unlimited dollar-for-dollar match of all the

Services

Access to Free Credit Scores
Credit card registration
Discounts on purchases of goods and services (non travel related)
Identity theft protection coverage; New inquiry & account alerts; Social Security Number Dark Web Alerts; Request data removal from select people-search sites

Card features

Contactless Payments
Chip card
Fee-free foreign transactions
Mobile wallet provisioning (for example, Apple Pay)

Did you know: If you carry a balance on your credit card, interest and fees typically exceed the value of any rewards earned. Learn why rewards may not be as beneficial as they seem.

Balance transfer interest rate and fees

0%*

+

3%

*As of Dec. 31, 2024. Advertised balance transfer APRs change over time. Check rates before applying.

After 15 months, any remaining unpaid balance on your account will be subject to interest charges based on your purchase APR.

Cash advance interest rate and fees

29.24% – 29.99%*

+

5% ($10 minimum)

*As of Dec. 31, 2024. Advertised cash advance APRs change over time. Check rates before applying.

The median cash advance APR for this card is 29.99%.

The cash advance fee is charged for each cash advance.

Did you know: If you use your card to transfer a balance or get a cash advance, you may have to start paying interest on some or all of your total balance, including new purchases, as of the date of the transaction.