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Disvover Chrome vs Discover it..?

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leirbad4
Valued Member

Disvover Chrome vs Discover it..?

Hello all,

 

Ive been trying to get a discover card since i started building credit but no luck. I recently applied for the discover it back in july and was denied due to too many new accts (chase freedom in june and quicksilver in april and barclayscard in feb) Anyways I want to know if anyone out there knows if the discover chrome card is easier to get than the discover it card?

 

thanks 

Message 1 of 24
23 REPLIES 23
Closingracer99
Valued Contributor

Re: Disvover Chrome vs Discover it..?

I think the only differences is the rewards system... Honeslty I would Wait. The Freedom card is great since it has basically the same 5% categories as the Discover card but I find the Q4 with Discover is better imo 


My Cards: Amex BCE: $9,000, Amex Hilton HHonors: $2,000, Amex ED: $12,000, Barclays NFL extra points: $3,000, Bank of America MLB cash rewards: $17,000, BBVA compass NBA Amex triple double rewards: $17,000, Chase Amazon: $1,000, Chase Freedom: $9,000, Chase Sapphire: $5,000, Chase Slate: $5,000, Chase Disney: $4,000, Citi Double Cash: $5,400, Citi AA plat: $5,500, Citi Simplicity: $3,000, Citi Thank you preferred: $8,800, Capital one GM: $2,000, Capital one PlayStation: $3,000, Gamestop: $1,150, Amazon Store: $5,000, Ebay MasterCard: $5,000, American Eagle Storecard: $750, Macy's: $500
EX: 744, TU:750, EQ: 740
Message 2 of 24
DFStudent
Valued Member

Re: Disvover Chrome vs Discover it..?

Based on my experience with Discover, I would have to say more than likely no it's not easier to get. If they have denied your app for the IT so recently, they are more than likely going to deny you now... but of course this is no guarantee. You have more inq's now, your AAoA would have decreased with all the new TLs, etc. Is it really worth a HP so soon after you already applied for a Discover card? 

    $12,400              $20,000           $10,000             $6,000               $4,700               $5,800            $1,050 (AU)
Suncoast CU VISA - $2500, BOA BBR VISA - $1000 || EX - 778 (12/13), EQ - 764 (12/13), TU - 763 (12/13) || Grad Student
Message 3 of 24
peaceonearth
Established Contributor

Re: Disvover Chrome vs Discover it..?


@leirbad4 wrote:

Hello all,

 

Ive been trying to get a discover card since i started building credit but no luck. I recently applied for the discover it back in july and was denied due to too many new accts (chase freedom in june and quicksilver in april and barclayscard in feb) Anyways I want to know if anyone out there knows if the discover chrome card is easier to get than the discover it card?

 

thanks 


The difference between the Chrom and the regular it, is in the Rewards and cash back. If you have the rigular Discover it,  you can convert to the Chrome at anytime.

Message 4 of 24
maiden_girl
Valued Contributor

Re: Disvover Chrome vs Discover it..?

The Discover chrome card has no rotating categories. It has 2% cash back on gas and restaurants standard without signup and 1% on everything else. You can earn extra points buy shopping through shopDiscover. Discover IT has the rotating categories and 5% cash back each quarter. Discover chrome is similar to Discover student card.

As of 2017, rebuilding...
Message 5 of 24
MidnightJester
Frequent Contributor

Re: Disvover Chrome vs Discover it..?

How about both?? Eventually someone will try to get one for a extra Discover BT or some other offer.

Message 6 of 24
Themanwhocan
Senior Contributor

Re: Disvover Chrome vs Discover it..?


@MidnightJester wrote:

How about both?? Eventually someone will try to get one for a extra Discover BT or some other offer.


For that matter, has anyone tried to get a second Discover It card?





TU-8: 804 EX-8: 805 EQ-8: 788 EX-98: 767 EQ-04: 752    
TU-9 Bankcard: 837 EQ-9: 823 EX-9 Bankcard: 837
Total $443,800
Message 7 of 24
maiden_girl
Valued Contributor

Re: Disvover Chrome vs Discover it..?


@Themanwhocan wrote:

@MidnightJester wrote:

How about both?? Eventually someone will try to get one for a extra Discover BT or some other offer.


For that matter, has anyone tried to get a second Discover It card?


I know when the IT came out...people had a MORE and IT card instead of calling to change the MORE to IT. Two IT cards seem pointless to me. Even if one is offering 2% cash back on gas and food all the time.

As of 2017, rebuilding...
Message 8 of 24
taxi818
Super Contributor

Re: Disvover Chrome vs Discover it..?

Well They told me on phone yesterday. cannot have it and chrome. but i could have Discover it and discover more card at same time.

that card is worse. .025 of 1 percent until you spend 3000 bucks. then base is 1 percent

The discover it is the best hands down.

Message 9 of 24
bigblue7722
Valued Contributor

Re: Disvover Chrome vs Discover it..?

i would def wait it out OP you already have the freedom and thats a better card. However, The IT card is much better than the chrome card. I dont understand what discover was thinking with the chrome card.

AMEX PRG NPSL,Lowes $17000,Capital One venture card $12,000,Us Airways mastercard $9500,Fidelity Amex $9000, Discover it $8000, Capital One Venture One $7500, BOA 123 rewards $7500 CSP $6000, Capital One Quicksliver $5500, Amazon Store card$5000,Barclay
Card Ring $5000 Chase Marriott $5000,Chase Hyatt $5000, Sallie Mae Mastercard $4400, Paypal smart connect $4000,Chase Freedom $3200, Capital one Quicksliver visa $3000, Chase IHG Rewards $2300, Chase Southwest Premier $2000, Citi Double Cash $1500, AMEX BCE $1000

Last app July 22nd 2015- No apps for two years.
Message 10 of 24
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