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Updated Apr 16, 2026 · research
Discover it Chrome Card Art
DiscoverDiscover Cashback BonusEditorially reviewed

Discover it® Chrome

Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn 1% cash back on all other purchases.

Entry LevelPersonal
Discover
Credit profile: good
$0
Annual fee
2% back gas stations & restaurants (combined)
Top rate
None
Foreign fee
N/A
Rating

Current Welcome Offer

0 cashback

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Card Offers

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Earning Rates

Gas Stations & Restaurants (combined)
2%cash back

On up to $1,000 in combined purchases each quarter, automatically. No sign-ups or rotating categories required.

All Other Purchases
1%cash back

Pros & Cons

Pros

  • No annual fee
  • Cashback Match doubles first-year earnings automatically
  • 2% cash back on gas stations and restaurants up to $1,000 per quarter
  • No foreign transaction fees
  • Free FICO Score 8 access

Cons

  • Only 1% cash back on non-bonus purchases
  • Discover network has limited international acceptance
  • No traditional sign-up bonus
  • Quarterly cap on 2% categories
  • High variable APR after intro periods

Key Takeaways

  • Earn 2% at gas stations and restaurants up to $1,000 combined quarterly, automatically.
  • Unlimited 1% on everything else.
  • All first-year cash back matched automatically at year-end.
  • No annual or foreign transaction fees.
  • Includes free FICO score and Freeze it security tool.

Fees

Fee TypeAmount
Annual Fee$0
Foreign Transaction Fee0%

APR Information

Purchase APR
18.24% - 27.24%0% intro APR for 15 months
Balance Transfer APR
18.24% - 27.24%0% intro APR for 15 months
Cash Advance APR
29.99%

APRs shown are variable and may change based on the Prime Rate. Your actual APR will be determined based on your creditworthiness.

Card Benefits

7 benefits (1 strong or better)

Travel Credits

Purchase Protection

Statement Credits

Lifestyle Benefits

Coverage Tier Legend

Best in ClassIndustry-leading coverage
StrongAbove average
StandardTypical coverage
LimitedBelow average

Hidden Gems

Freeze it® On/Off Switch

Instantly block new purchases, cash advances, and balance transfers if the card is lost, while allowing recurring charges and credits to process.

Free FICO® Credit Score

Access your FICO Score 8 from TransUnion for free on monthly statements and in the app to monitor credit health.

Automatic Category Rewards

No need to activate; 2% cash back at gas stations and restaurants applies up to the quarterly cap without any effort.

Frequently Asked Questions

What are the rewards rates for the Discover it® Chrome?
The card earns 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter automatically. It earns unlimited 1% cash back on all other purchases. No category activation is required.
Is there an annual fee for this card?
The Discover it® Chrome has no annual fee. This applies every year with no waivers needed.
What is the Cashback Match offer?
At the end of the first year, Discover automatically matches all cash back earned dollar for dollar. There is no minimum spending requirement or maximum cap. It applies only to the first year of cardmembership.
Does the card charge foreign transaction fees?
No foreign transaction fees apply to purchases made outside the United States. Discover acceptance may be more limited internationally than Visa or Mastercard.
What intro APR offers are available?
New purchases receive 0% intro APR for 6 months. Balance transfers get 10.99% intro APR for 18 months. Rates then vary from 18.74% to 27.74% based on creditworthiness.
What credit score is needed to apply?
The card requires good credit for approval. Exact requirements are not specified beyond this.
How can I access my FICO score with this card?
Cardholders receive a free FICO Score 8 from TransUnion on monthly statements and in the Discover app.
What is the Freeze it feature?
This tool lets cardholders instantly freeze new purchases, cash advances, and balance transfers if the card is misplaced. Recurring charges, returns, and credits are not blocked.

About This Card

This card suits drivers and frequent restaurant goers with good credit who want simple cash back rewards without an annual fee. It fits new cardmembers valuing the first-year Cashback Match.

The Discover it® Chrome card earns 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, automatically — no sign-ups or rotating categories to track. All other purchases earn 1% cash back. Discover will automatically match all the cash back earned at the end of your first year with Cashback Match™. There is no annual fee, no foreign transaction fee, and no penalty APR. The card also features a 0% intro APR period on purchases and balance transfers.

It differentiates in the entry-level tier with a first-year Cashback Match that requires no minimum spend, unlike peers relying on spend-based sign-up bonuses.

Ready to Decide?

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Reward Program

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Earns Cash Back

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Card Categories

Cashback Credit CardsNo Annual Fee Credit CardsGas Credit CardsRewards Credit Cards

Sources & Methodology

Data Collection

We collect card details from official issuer pages, then verify them through editorial review.

Last updated:

Editorial Review

Pending editorial review.

Data Quality
  • 6 of 7 benefits rated high confidence
  • 1 of 1 offer verified
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Read our full methodology for how we collect, verify, and rate credit cards.

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