Discover it® Chrome
2% Back at Gas Stations and Restaurants—Automatically
Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter with no activation required. 1% unlimited on everything else. Discover matches all cash back earned at the end of your first year—$0 annual fee, 0% intro APR for 15 months, no foreign transaction fees.
- Annual Fee
- $0
- Highest rate (conditional)
- Up to 5% (Capital One Entertainment)
Terms checked against the issuer on October 10, 2026
At a Glance
- Annual Fee
- $0
- Foreign Transaction Fee
- $0
- Network
- —
- Rewards Currency
- Cash
- Point Valuation
- 1¢ (cash back)
- Credit Required
- Good to Excellent
Earning Rates
- 5%
Capital One Entertainment
5% cash back on tickets bought on the Capital One Entertainment ticketing platform with this card; excludes cardholder-exclusive pre-sales, Capital One Hall/Arena direct ticketing and Capital One Dining
- 5%
Hotels Capital One
5% cash back on hotels and vacation rentals booked through Capital One Travel; purchases outside Capital One Travel earn the standard rate
- 5%
Car Rentals Capital One
5% cash back on rental cars booked through Capital One Travel; purchases outside Capital One Travel earn the standard rate
- 2%
Gas Stations
2% cash back at gas stations on up to $1,000 in combined purchases with restaurants each quarter
Cap: $1,000/quarterly
- 2%
Dining
2% cash back at restaurants on up to $1,000 in combined purchases with gas stations each quarter
Cap: $1,000/quarterly
- 1%
All Other
Unlimited 1% cash back on all other purchases
Earning Scenarios
2% Cash Back at Gas Stations and Restaurants
Earn 2% Cashback Bonus on up to $1,000 in combined gas station and restaurant purchases each quarter. Stand-alone gas stations and some public EV charging stations qualify; gas stations tied to supermarkets, supercenters or wholesale clubs may not. No activation required—rewards are automatic.
Spend $250/month on gas and $200/month on dining = $1,350/quarter. Earn 2% on the first $1,000 ($20) plus 1% on the remaining $350 ($3.50) = $23.50/quarter or $94/year.
Unlimited 1% on Everything Else
All purchases outside gas stations and restaurants earn unlimited 1% cash back with no caps or restrictions.
Spend $1,500/month on non-bonus purchases = $180 annual cash back. Combined with gas and dining = $274 base rewards before Cashback Match.
Benefits & Perks
Insurance & Protections
3 protectionsZero fraud liability protection
You're never responsible for fraudulent charges made with your lost or stolen card
Instant card freeze with Freeze It
Freeze or unfreeze your card instantly in the app—perfect when your card is lost or you're away from home
FICO score monitoring
Check your FICO Score 8 for free through CreditWise; checking it does not hurt your credit.
Dining Out
2% cash back at restaurants
On up to $1,000 a quarter in dining, then the base rate
$2 back on a $100 dinner
No annual fee
Explore 5,512 New York restaurants with this cardStack a dining program
Rakuten Dining
5% back at 20,618 participating restaurants, on top of this card's 2%, once you join and link this card.
+$5
cash back, or ≈$5.50 as points
More on a $100 dinner
Program & Transfers
Cash Back Rewards
Reviews & Analysis
Third-Party Rankings & Ratings
5 sourcesHow It Compares
Best for drivers and diners who want consistent 2% back without quarterly activation. Cashback Match doubles first-year rewards. Weaker than flat-rate 2% cards for general spending. $1,000 quarterly cap limits high spenders. Strong 15-month balance transfer intro APR.
Pros and Cons
Pros
- +No annual fee
- +Consistent 2% cash back at gas stations without category activation
- +Cashback Match doubles all rewards earned in the first year
- +No foreign transaction fees
- +Free FICO credit score access
- +$0 fraud liability
Cons
- -Only 1% back on non-gas purchases
- -Discover network has more limited merchant acceptance than Visa/Mastercard
- -Lower earning rate than Discover it Cash Back during its 5% gas station quarters
- -No sign-up bonus beyond the Cashback Match
- -No premium travel or purchase protections
Who It's Best For
Best For
- Frequent drivers who want simple, consistent gas rewards
- People who prefer flat-rate categories over rotating bonus categories
- Those building or rebuilding credit with a no-annual-fee card
- Drivers who want predictable 2% back at gas stations year-round
Not Ideal For
- Heavy spenders in categories other than gas (only 1% on everything else)
- Those who prefer rotating 5% categories (Discover it Cash Back is better)
- International travelers (Discover has limited acceptance abroad)
- People who want high flat-rate rewards on all purchases
Details & Terms
Application Rules
| Rule | Details |
|---|---|
| Discover 1/12 | You can only get one Discover card every 12 months |
Payment Terms
| Purchase APR | 17.74%–26.74% (Variable) |
| Cash Advance APR | 28.74% (Variable) |
| Foreign Transaction Fee | $0 |
Media & Resources
Video Reviews
8 videosDiscover It Student Chrome Review 2025 | Cash Back on Gas & Dining!
Discover it Chrome Credit Card Review 2025 | Gas & Dining Rewards
Discover it Chrome Credit Card Review
Discover It Chrome Gas & Restaurant Credit Card Review | WORTH IT In 2024?!
Difference Between Discover Chrome And Discover Cash Back
Discover It Chrome Vs Discover It Cash Back - Full Comparison
Discover Chrome Credit Card Review - Watch Before Using
Third-Party Articles & Reviews
Discover It Chrome Review: Lower rates over greater perks
Detailed Bankrate review rating the card 4.6/5 overall. Highlights the 18-month balance transfer intro APR as the card's strongest feature, analyzes first-year vs ongoing value, and includes expert personal experience.
Discover it Chrome Card review: Earn cash back at gas stations and restaurants
TPG review covering rewards structure, quarterly caps, cash-back match, competitive alternatives, and when the card makes sense. Rates it 2 out of 5 stars, noting the $1,000 quarterly cap limits earning potential.
Discover it Chrome Review: Straightforward Bonus Rewards
NerdWallet review covering the balance transfer benefits, automatic 2% cash back structure, and how it compares to the Discover it Cash Back and flat-rate alternatives.
Discover it Chrome Credit Card Review
Credit Karma review covering the straightforward bonus rewards, balance transfer offer, and who the card is best suited for. Includes approval odds and credit score guidance.
Discover it Chrome Review: Simple Rewards + 0% Intro APR Combo
Motley Fool review highlighting the balance transfer intro APR as the standout feature and analyzing whether the 2% gas and dining rewards justify choosing this over flat-rate alternatives.
Discover it Chrome Reviews (2026)
WalletHub editor review with 276 user reviews. Rates the card 4.3/5 for balance transfer value. Analyzes the $80 annual cap on bonus rewards and below-average 1% base rate.
Best Discover Credit Cards for February 2026
Yahoo Finance roundup of the best Discover cards, positioning the Chrome alongside the Cash Back and it Miles cards. Covers each card's rewards structure and ideal cardholder profile.
Discover it Chrome 2026 Review
U.S. News review rating the card 4.5/5. Covers rewards structure, intro APR, tips for maximizing gas and restaurant spending, and comparison to Chase Freedom Unlimited and Discover it Cash Back.
Discover it Chrome Review
CardCritics review positioning the Discover it Chrome as one of the best balance transfer cards on the market, with analysis of the 2% gas and dining cash back structure.
Card Design
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| CardRatings | — | CardRatings |
| RewardsCC API | — | RewardsCC API |
| CardRatings | — | CardRatings: Bonus categories |
| Issuer Page | Issuer Page | |
| Issuer Page | Issuer Page: Apr.balance transfer | |
| Discover Official | Discover Official |
Top brands for this card
Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.
