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Chase Sapphire Reserve® vs Discover it Chrome

Compare Rewards, Interest Rates, Fees, and Benefits

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Chase Sapphire Reserve is an ultra premium credit card for luxury travelers. How does it compare to Discover it Chrome, a cash back, gas and restaurant credit card? Read our comparison chart below.

Keep in mind, the Chase Sapphire Reserve has a $450 annual fee, while the Discover it Chrome has a $0 annual fee.

 Apply NowRead Discover it Chrome Review
 

Chase Sapphire Reserve®

Discover it® chrome

 

Credit Card Interest Rates & Fees

Introductory APR for PurchasesN/A0% introductory APR for 14 months
Introductory APR for Balance TransfersN/A0% introductory APR for 14 months
Purchase APR18.74% to 25.74% Variable based on your creditworthiness and other factors13.49% to 24.49% Variable based on your creditworthiness and other factors
Balance Transfers APR18.74% to 25.74% Variable based on your creditworthiness and other factors13.49% to 24.49% Variable based on your creditworthiness and other factors
Foreign Transaction Fee$0No foreign transaction fee
Annual Fee$450 annual fee$0 annual fee
 

Credit Card Rewards & Benefits

Introductory Bonus Cash Back Discover will match all the cash back you've earned at the end of your first year (only for new cardmembers).
Introductory Bonus OfferEarn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards® 
Cash Back Rewards 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases every quarter. 1% cash back on all your other purchases.
Travel Rewards3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. $0 foreign transaction fees.
1:1 point transfer to leading airline and hotel loyalty programs
 
Airline Rewards1:1 point transfer to leading airline and hotel loyalty programs 
Hotel Rewards1:1 point transfer to leading airline and hotel loyalty programs 
Point Rewards3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. 
Airline Status$300 Annual Travel Credit (as reimbursement for travel purchases charged to your card).
Complimentary Priority Pass™ Select membership for access to 1,000+ airport lounges worldwide. Enrollment required for Priority Pass Select
 
Gas Rewards 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases every quarter.
Dining Rewards3X points on dining at restaurants2% cash back at gas stations and restaurants on up to $1,000 in combined purchases every quarter.
Airline Transfer PartnersChase airline transfer partners include United Airlines, Southwest Airlines, JetBlue, British Airways, Air France, Singapore Airlines, Virgin Atlantic, Iberia, Emirates, and Aer Lingus. 
 

CreditDonkey® Credit Card Reviews

Pros & ConsPros:
  • Bonus points
  • Annual travel credit
  • Elite travel benefits
Cons:
  • $450 annual fee
  • No introductory annual fee
  • No intro APR
Pros:
  • 2% cash back on up to $1,000 in combined purchases at restaurants and gas stations every quarter
  • Intro APR
  • No foreign transaction fee
  • No annual fee
Cons:
  • Not a Visa/MasterCard
  • No rotating cash back categories
Bottom LineUltra premium credit card for luxury travelers... Read full reviewGreat rewards credit card with no annual fee for people on the go... Read full review
 Apply NowRead Discover it Chrome Review
What Others View

    See issuer's website for details including terms and conditions. While reasonable effort has been made to maintain accurate and updated information, the information shown on this site may vary, be out of date, or not applicable to you. All information is provided without warranty. When you click on the Apply Now button, you can review the terms and conditions on the issuer's website.

    Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the issuer's website for details.

    Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

    Disclaimer: The information for the Discover it® chrome has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

    Discover it Chrome: Pricing information including interest rates, rewards, benefits and fees was obtained on November 6, 2019 from published websites and is believed to be accurate, but not guaranteed.

    Which is Better: Chase Sapphire Reserve or Discover it Chrome?

    Still need help deciding which restaurant card is better? Read the in-depth reviews below. You may also be interested in comparing Chase Sapphire Reserve or Chase Sapphire Preferred.


    Articles on Chase Sapphire Reserve®


    Articles on Discover it® chrome


    Compare Chase Sapphire Reserve to:

    Chase Sapphire Preferred

    Chase Sapphire Preferred® Card

    Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
    N/AN/A
    17.74% - 24.74% Variable
    Annual Fee
    $95
    American Express Platinum

    The Platinum Card® from American Express

    Introductory Bonus OfferTravel RewardsAirline RewardsHotel Rewards
    Annual Fee
    $550
    American Express Gold

    American Express® Gold Card

    Introductory Bonus OfferAirline RewardsPoint RewardsGrocery Rewards
    Annual Fee
    $250

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    Compare Discover it Chrome to:

    Blue Cash Everyday
    Introductory Bonus Cash BackCash Back RewardsGas RewardsGrocery RewardsCar Rental InsurancePurchase Protection$0 Fraud Liability
    Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
    0% on Purchases for 15 months
    0% on Balance Transfers for 15 months
    14.49% - 25.49% Variable
    $0
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    Household Spending Statistics

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    About CreditDonkey®
    CreditDonkey is a credit card comparison website. We publish data-driven analysis to help you save money & make savvy decisions.

    Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

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    *See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

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