$0
Annual fee
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Updated Aug 12, 2026 · research
DiscoverDiscover cash back rewards
Discover it Chrome
Earn 2% cash back at eligible gas stations and restaurants on up to $1,000 in combined purchases each quarter, plus unlimited 1% cash back on other purchases, with no annual fee.
Personal
Discover
$0
Annual fee
2% back gas stations and restaurants
Top rate
N/A
Foreign fee
N/A
Rating
Earning Rates
Gas stations and restaurants
2%cash back
Applies to the first $1,000 in combined purchases each calendar quarter at eligible U.S. stand-alone gas stations and restaurants. Merchant classification controls eligibility; affiliated locations and some digital-wallet or third-party-payment transactions may not qualify.
All other purchases
1%cash back
Unlimited base rate on other eligible net purchases; purchases in the gas and restaurant categories above the quarterly cap also earn this rate.
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 Type | Amount |
|---|---|
| Annual Fee | $0 |
APR Information
- Purchase APR
- 17.49% - 26.49%0% intro APR for 15 months
- Balance Transfer APR
- 17.49% - 26.49%0% intro APR for 15 months
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 (2 strong or better)
Statement Credits
Lifestyle Benefits
Other Insurance
Coverage Tier Legend
Best in ClassIndustry-leading coverage
StrongAbove average
StandardTypical coverage
LimitedBelow average
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.
Discover it Chrome is a no-annual-fee cash back credit card that earns 2% cash back at eligible U.S. gas stations and restaurants on up to $1,000 in combined purchases each calendar quarter, plus unlimited 1% cash back on other eligible purchases. New cardholders receive an unlimited dollar-for-dollar Cashback Match on cash back earned during the first 365 days. The card offers a 0% introductory APR for 15 months on purchases and balance transfers, followed by a 17.49% to 26.49% variable APR.
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?
Apply for the Discover it Chrome
Current offer available with no annual fee.
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Sources & Methodology
Sources & Methodology
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- 7 of 7 benefits rated high confidence
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- 1 of 1 offer verified
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