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.
Annual Fee
$0
Top Earning Rate
2% back gas stations & restaurants (combined)
Foreign Tx Fee
None
Rating
N/A
Current Welcome Offer
0 cashback
Card Offers
public
0 cashback
Earning Rates
On up to $1,000 in combined purchases each quarter, automatically. No sign-ups or rotating categories required.
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 |
| Foreign Transaction Fee | 0% |
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
Frequently Asked Questions
What are the rewards rates for the Discover it® Chrome?
Is there an annual fee for this card?
What is the Cashback Match offer?
Does the card charge foreign transaction fees?
What intro APR offers are available?
What credit score is needed to apply?
How can I access my FICO score with this card?
What is the Freeze it feature?
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?
Apply for the Discover it® Chrome
0 cashback with no annual fee.
Similar Cards You Might Like
Card Categories
Sources & Methodology
Sources & Methodology
Card details are collected by automated crawlers from official issuer pages, then verified by editorial review.
Last updated:
Pending editorial review.
- 6 of 7 benefits rated high confidence
- 1 of 1 offer verified
Read our full methodology for how we collect, verify, and rate credit cards.
Found an error? Report it here.