Credit Score: 810 Credit Limit: 15000 Age: 35-44

Income On Application: $130000

Posted 01/25 2018

My score was over 800 and I was surprised I only got $15k as my starting credit since I have higher limits on my other cards. I got this card for the gas and dining 2% rewards. After I got this card, I concentrated all my spending on it and earn a nice double cash back after the first year.

But I do not use this card anymore. I am a Sam's Club member and their Mastercard gives much better rewards. For example, you earn 4% on gas (up to $6,000 limit a year - which is better than the $1000 quarterly cap of the Discover Chrome). You also earn 3% cash back on dining vs 2% on this card.

Discover's customer service is really fantastic and as many have said here, the app is great. Updates happen quickly and almost instantaneously. However, the rewards aren't as great as many cards. The quarterly cap IMO ruins the cash back.

 

Credit Score: 724 Credit Limit: 12000 Age: 25-34

Posted 06/08 2016

Like others here, I had to pick between the Chrome and the IT. I ended up choosing the Chrome because the 5% categories that change did not appeal to me. The customer service is excellent and the app is good as well.

However, after a year with the card, I discovered the Costco Visa. Since I am a Costco member, I decided to get that card instead because it offered better rewards on gas and restaurants. With the Chrome, you earn 2% for gas and restaurants for up to $1,000 in these spending within a quarter. I have 2 cars (one SUV) and spend about $80 a week on gas. That works out to about $320 a month or $1,280 a quarter. So I would already bump up to my limit just on has. The Costco Visa gives me 4% on gas for up to $7000 a year. And also 3% at restaurant. And 2% at Costco.

I have now stopped using the Chrome and use the Costco card instead.