Some customers say they’ve received automatic credit limit increases after several months. If you’re not satisfied with your credit limit, you could request an increase online by signing in to your account or by calling 1 (800) 347-2683 . This is how they treat customer loyalty. Check out some of our best picks! Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. You can apply now for the Discover it chrome securely on Discover’s website, by following the link below. Only Discover automatically matches all the cash back youv'e earned at the end of your first year.3, Get a $20 statement credit each school year your GPA is 3.0 or higher for up to the next five years.4. 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). Content is not provided or commissioned by any credit card issuers. Enjoy our low APR … Some customers say they’ve received automatic credit limit increases after several months. Discover it® chrome Credit Card Interest Rates & Fees; Introductory APR for Purchases: 0% introductory APR for 14 months: 0% introductory APR for 14 months: Introductory APR for Balance Transfers: 0% introductory APR for 14 months: 0% introductory APR for 14 months: Purchase APR: 11.99% to 22.99% Variable based on your creditworthiness and other factors: 11.99% to 22.99% Variable based on your … You can get in touch with their representatives by phone, email, or live online chat. Here's the alternative lineup: For Credit Card; If you are … Brendan has been writing about personal finance for over eight years, and is now taking on the challenge of bringing high quality credit education to the masses. I was so pleased that Discover gave me a starting limit of $4000. With the Discover it® chrome, cardholders are limited to earning the higher cashback rate to the first $1,000 in combined gas station and restaurant purchases each quarter. Discover’s customer service department will also be able to tell you, and you can reach them at: 800-347-2683. … 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). Builds credit with responsible use: Discover reports your credit history to the three major credit bureaus so it can help build your credit if used responsibly. 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 12.99% - … Discover It Chrome Card Bonuses & Rewards. The starting Discover it chrome credit limit is $500. For starters, if you have an on-campus meal plan and don’t have a car, the bonus cash back at restaurants and gas stations might not be valuable to you. The Discover it chrome credit card, for example, offers somewhat lower fees than many of its competitors and it offers some of the safest terms available. The first year put about 30k of medical on it paid the balance off every month. I already have a Discover IT card with a 30k limit. Discover's customer service is really fantastic and as many have said here, the app is great. You are not able to apply for the old Discover cards — the only cards available on Discover’s website are the new “it” cards, which offer better rewards and features. An extended warranty is a credit card feature offered by Visa, Mastercard, Discover and American Express that will match and exceed the length of a manufacturer’s warranty on eligible purchases. With Discover, you can redeem rewards for cash in any amount, any time*, apply it as a credit toward your bill,  deposit to your bank and more. Discover it® chrome cardholders benefit from earning 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, then 1%. Read our comparison chart below. Some cards offer miles or points, but some people may prefer earning cash back rewards. Hi I have Discover card since 2016 started with cl of 9k and now have credit line of 25,500. No Need to Have Excellent Credit. There's no purchase minimum and no limit to how much we'll match. Restaurant purchases include only those made at merchants classified as full-service restaurants, cafes, cafeterias and fast food locations. However this feature of the card is still questionable because there is a $1000 limit in each quarters of the year. Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee. There’s a solid See Terms introductory APR for both purchases and balance transfers, offering a competitive amount of time compared to other reward cards. You can use the Discover mobile app to set alerts, view your FICO® Score for free6 and more, all from your smartphone, tablet or wearable. These rewards go even further with double cash back in the first year. The Discover it Student chrome credit limits differ from cardholder to cardholder, so we’re unfortunately unable to answer that question. But yours could be more, since credit limits are determined based on one's credit score, income and overall creditworthiness. And if you want to earn some cash back too (who doesn’t? The gift card option actually provides more than $1 back for every $1 you’ve earned, making it the most potentially rewarding method. Your credit limit is determined by your creditworthiness, with a minimum limit of $500. 18%. Credit Card Insider receives compensation from advertisers whose products may be mentioned on this page. Visit the Discover Credit Resource Center for, Learn browser has not been updated. All spending above that limit earns an unlimited 1% cash back. 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. The security deposit must be at least $200, and it will fund your credit limit. How does cash back work on a credit card? Perhaps you recently landed a nice raise at work, reduced your credit utilization, or simply, you’ve had your Discover card account for a while now and have always paid on time — it may time to explore how to increase the credit limit on that Discover card. web browser. Starting credit limit of up to £1,000, you could get your first increase after your 5th statement and further increases every 5 months, up to £4,000. The credit limits on the Chase Sapphire Reserve® card are even higher, with forum visitors routinely reporting lines of $50,000 to $80.000. This generally means a credit score of 690 or better. The Costco Anywhere Visa® Card by Citi has a ton of potential to provide a great deal of cash back in several categories. For rates and fees of the Blue Cash Preferred® Card from American Express, please click here. Gas stations; Restaurants (including cafes, takeout, delivery and fast-food) on up to $1,000 in combined purchases each quarter. Discover originally had a line of credit cards that included Discover More Card, Discover Open Road Card and Discover® Motiva Card. They’ll look at your income, source of income, and monthly rent or mortgage payments while determining your creditworthiness. Terms of Good Grade Reward Offer are subject to change. You’ll be able to monitor your FICO Score 8 based on your TransUnion credit report, and thanks to Discover’s Cashback Match, your rewards will be doubled for the first year. Credit Card Insider and CardRatings may receive a commission from card issuers. Credit Card Insider has not reviewed all available credit card offers in the marketplace. However, that also means you have a chance of being denied even if your scores are equal to, or higher than, those ranges. You earn a full 2% Cashback Bonus® on your first $1000 in combined purchases at Gas Stations (stand-alone), and Restaurants each calendar quarter. ADVERTISER DISCLOSURE: Credit Card Insider is an independent, advertising supported website. The Discover it® Student chrome rewards cardholders with 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, then 1%. 4 Star . How can I responsibly use a Discover Student Card? To learn more, visit Discover.com/FICO. Discover® Identity Alerts are offered by Discover Bank at no cost, only available online, and currently include the following services: (a) daily monitoring of your Experian® credit report and an alert when a new inquiry or account is listed on your report; (b) daily monitoring of thousands of Dark Web sites known for revealing personal information and an alert if your Social Security number is found on such a website. Updated: May 26, 2020 . That flat rate is the main attraction. The Bottom Line . That means instead of the usual 2% you’ll get on gas and dining and 1% everywhere else, you’ll earn 4% and 2% respectively. What's your discover credit limit and credit score? Discover Bank is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. You'll They usually have a low credit limit with some minor rewards. However, the information should be listed on your monthly statement. Those who usually get student credit cards are often young, broke, and haven’t had a chance to establish credit yet. Citi Flex Plan offers are made available at Citi’s discretion. 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. Limits on higher rewards rate. Discover doesn’t explicitly market the Discover it Chrome card as a remedy for bad credit, nor as a tool for building credit. The cash back is great and Discover customer support is fantastic. If you’re not satisfied with your credit limit, you could request an increase online by signing in to your account or by calling 1 (800) 347-2683. Both Discover it Cash Back and Discover it chrome require good credit for approval, which means you have the best chances with a score of 670+. Discover; Credit Cards; Discover it ® Secured; Discover it ® Secured Credit Card Build or rebuild your credit with responsible use. Maybe another rewards card would suit you better. Credit Card Insider receives compensation from some credit card issuers as advertisers. Freeze it®: When you freeze your account, Discover will not authorize new purchases, cash advances or balance transfers. The Discover IT Chrome For Student credit card is a credit card for students, that offers a lot more then most other student credit cards which we will discuss in this review. Discover it Chrome Student Consumer Reviews, Credit Score and Income Needed, Credit Limits 22 Reviews. Take a look! LOL Mine is about 18 months old and started at a measly $2500 but is at a slightly-less-measly $8000 now. Best of all, Discover will double the total amount of cash back earned in the first year of card use. But we want to finance a large project with the 14 months no interest. Discover has fifty million cardholders in the United States with a range of card options and offers ranging from student cards, cash back rewards cards, to travel rewards cards.If you have a Discover card, you may be wondering about increasing the limit on your card.. A credit card limit is the amount that you … However, credit score alone does not guarantee or imply approval for any credit card offer. Other than that, both cards will be issued with the same set of benefits. But Chase doesn’t publish a credit limit for this card, so the ceiling probably matches or exceeds the Preferred card’s high of half a million smackeroos. Discover It has several cards in the family with similar names. ), … All the other benefits and terms are basically identical. Best at gas stations and restaurants. As with any credit card issuer, Discover … Discover Card does not assign MCCs to merchants. 1-11-2016 Update: They eventually bumped my credit limit to $3,500. Got a 3k limit right after Chase gave us 10k. Purchases at Gas Stations and Restaurants over the quarterly cap, and all other purchases, earn 1% cash back. Is Discover it Chrome a good cc? You automatically earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Discover it Chrome Rewards Program. Perhaps you recently landed a nice raise at work, reduced your credit utilization, or simply, you’ve had your Discover card account for a while now and have always paid on time — it may time to explore how to increase the credit limit on that Discover card. Making all your payments on time is a great start to responsible credit use. The Discover it® chrome card fits better for people that are looking to get approved with fair credit, enjoy eating at restaurants and fill up gas constantly to commute to work. But you can request a credit limit increase if you’re unhappy with your starting limit. Please contact your tax advisor. Discover it® Chrome: Drawbacks and Downsides . The quarterly cap IMO … If you spend a large amount on gas and dining each month, the Discover it Chrome credit card can help put some money back in your wallet. After that, the variable APR will be 13.99% – 23.99%, based on your creditworthiness. The only difference between the Discover it chrome and the Discover it® Cash Back (Review) are the rewards. Your Chrome credit card for students earns 2% Cashback - automatically - at: on up to $1,000 in combined purchases each quarter.1. the display of rates and APRs. 99% nationwide acceptance — Discover is accepted by 99% of the places across the country that take credit cards.9. This information is intended for and only provided to Primary account holders who have an available score. Discover is a large credit union as well as the third largest credit card brand in the United States. Purchases made at Gas Stations include only merchants in the category that sell automotive gasoline that can be paid for either at the pump or inside the station. And avoid paying interest on purchases by paying your balance in full by the due date each month. 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). It makes the card more flexible than the Discover it Chrome, which only provides 2% back at gas stations and restaurants. To see a list of Frequently Asked Questions, visit discover.com/freealerts. It’s recommended that you have good credit before applying for the Discover it chrome. 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). There are no charges for foreign transactions. Purchases made through third-party payment accounts, mobile or wireless card readers, virtual wallets or similar technology will not be eligible if the technology does not provide sufficient transaction details for rewards qualification. The Discover it® chrome, Discover it® Secured and Discover it® Student chrome cards offer 2% back at restaurants and at gas stations, subject to a spending cap. The Discover it® chrome offers up to 2% cash back on your purchases and Discover doubles your rewards earned in the first year with no limit. Also, be sure to pay at least your minimum amount due each month. Because of that, credit card companies … Discover is accepted nationwide by 99% of the places that take credit cards. Use BIN lookup app to search specific DISCOVER BIN. you must update your browser as soon as possible. Refer-a-Friend eligible cardmembers will receive a statement credit referral reward if their friend applies for the specific offer sent via the link provided and is approved by December 31, 2021. The offers that appear on Credit.com’s website are from companies from which Credit.com receives compensation. Highest: 1000. But you should commit to always using your card responsibly. View Discover It rewards, benefits, and get credit card advice here. The Discover it® chrome Vs the Discover it® Student chrome credit cards are very similar, yet are best for two different types of people. The Discover it® chrome requires good to excellent credit. See Cashback Bonus Program Terms and Conditions for more information about your rewards. Discover has an A+ rating from the Better Business Bureau (BBB) and it’s been accredited by the agency since 1989. 2%. Touch device users, explore by All Credit Cards See if you're pre-approved. ... Once you hit this $1,500 limit, the cash back percentage drops back down to 1%. One Good Grade Reward per School Year, per account, up to a maximum of five (5) consecutive years from the date your account is opened. Provide all required application information. There’s no annual fee for the Costco card but you will need to be a Costco member to use it. Your account must be in good standing to receive your referral reward. ( 26103 BINs Found ) Bank Type Country BIN---- Credit United States: 391202---- Credit United States: 394579: Bank Of America: Credit United States: 650464- … Discover IT Chrome Card – Apply for Discover IT Chrome Credit Card Benefits » What is the Discover it, Chrome Card? You won’t have to worry about an annual fee, and the intro rate will give you some time to pay off large expenses. The Discover it® chrome requires good to excellent credit. There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater. Discover gives you a choice of several unique card designs when you apply to become a cardmember. This benefit may change or end in the future. However, this compensation also facilitates the provision by Credit.com of certain services to you at no charge. Your first year with the Discover it Chrome can be more rewarding than the Double Cash. However, some activity will continue, including bills that merchants mark as recurring, as well as returns, credits, dispute adjustments, delayed authorizations (such as some transit purchases), payments, Discover protection product fees, other account fees, interest, rewards redemptions and certain other exempted transactions. This compensation may influence the selection, appearance, and order of appearance of the offers listed on the website. Discover it® Chrome for Students reviews and complaints. User ID. 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. See rewards terms and conditions. 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. Chrome Credit Limits and Credit Increase: Your credit limit on a Chrome credit card will fall between £250 and £1,000, depending on your financial situation and credit history. Advertiser relationships do not affect card ratings or our Editor’s Best Card Picks. Please complete all fields below. Purchases that typically do not have a manufacturer’s warranty would not be eligible for an extended warranty. 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. TU: 743 . For all other purchases, you’ll earn 1 percent cash back. Advertising partners do not edit or endorse our editorial content. Let us know! But with the Discover it® Chrome, you also won’t pay foreign transaction fees or a late fee on your first late payment. You are not eligible to refer a friend if you have a Discover it® Secured Credit Card, or Discover it® Business Card. The Discover it® Student chrome is a simpler card than the better-known Discover it® Student Cash Back. All other purchases earn 1% cash back with no cap. A good card for consumers who like to spend their evenings and weekends dining out, the Discover it chrome credit card rewards restaurant-goers with 2 percent cash back on dining purchases and 1 percent cash back on general purchases. 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more). Discover it® Chrome is a rewards credit card for students that reports to the three major credit bureaus, so you can build credit with responsible use.2. The Discover it Cash Back is a rotating categories card that offers a 5% bonus on a different category each … Bin Check. We give the Discover it® chrome card 4 out of 5 Stars because it’s a good offer for no annual fee. The standard variable APR for Citi Flex Plan is 15.24%. Even if this is your first non-secured credit card, there’s a real chance that you can pass muster, as long as you prove that you … What’s the credit limit of the Discover it chrome? What’s more, there’s no penalty APR, which can be as high as 29.99% with other credit cards. Discover it® Chrome for Students reviews and complaints. browser to access this page. Credit Card Insider has partnered with CardRatings for our coverage of credit card products. 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