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Discover it® chrome

  • $0 Annual Fee

    Fee for maintaining card

  • $0 Welcome Offer Value

    As of 06/2018

  • 1% Cash Back

    Rewards rate

Apply Now

on Discover Card's website

Terms apply. Rates and fees.

When it comes to no-annual fee cash back credit cards, the Discover it® chrome card offers a number of benefits for those who spend their money where the name suggests—on gas and at restaurants.

In this review, we’ll cover some key benefits of the card, as well as some downsides that may affect you if you’re not much of a commuter or restaurant-goer, or if you spend a lot on your credit card each month.

At a glance

Discover it® chrome

Apply Now

on Discover Card's website

Terms apply. Rates and fees.

  • INTRO OFFER: Discover will match ALL the cash back earned at the end of your first year, automatically.
  • Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.

$0

$0

1% Cash Back

Annual Fee

Welcome
Offer Value

Rewards Rate

Discover it® chrome card deep dive

A no annual fee cash back card with bonuses for restaurant and gas purchases and generous offers for your first year with the card, the Discover it® chrome card can earn you cash back for the purchases you already make. But it won’t maximize rewards for everyone, so make sure you understand its pros and cons before applying.

Get it: If a good portion of your spending goes towards gas and restaurants, you’d prefer not to pay an annual fee, and you’re looking for super simple rewards redemption

With twice the amount of cash back for gas and restaurant spending as for other purchases, this card could be a good fit for commuters and those who love eating out—likely less so for public transportation users and home chefs. On top of the extra cash back in these categories, the Discover it® chrome card has no annual fee, so you’ll never have to worry about whether you’ve redeemed enough cash back to cancel out a fee.

Some of the benefits of the Discover it® chrome card:

  • INTRO OFFER: Discover will match ALL the cash back earned at the end of your first year, automatically.
  • Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.

Skip it: If you spend a lot each month, do not purchase much gas or food from restaurants, or don’t have great credit

The Discover it® chrome card offers a good cash back rate and nice welcome bonus considering it’s annual fee-free, but big spenders may find a card with high rewards rates to be more valuable—and well worth the annual fee. Further, if you don’t spend much on gas or at restaurants, you won’t be able to take advantage of 2% cash back from using your card.

Consider these drawbacks of the Discover it® chrome card:

  • Better rewards rates exist: If you’re looking for a card to spend a significant amount of money with, it may be worth paying an annual fee in order to access higher rewards rates. 2% cash back is a great deal for a no-fee card (and the cash back match for year one is a generous boost), but big spenders may gain more value from a higher rewards rate card even if it comes with an annual fee
  • Spending cap for dining and gas rewards: The Discover it® chrome card caps the amount of gas and restaurant purchases that receive 2% cash back at $1,000 total per quarter, which can be limiting for those who typically spend more in these categories
  • Most valuable for dining and gas purchases: If dining out and/or gas don’t make up a significant chunk of your monthly spending, you won’t maximize the value of this card, as these are the only two categories that receive 2% cash back on the Discover it® chrome card. Those who spend more in categories such as travel, groceries, or shopping may be better served by a card that offers bonus points in those categories
  • Low approval odds for poor credit: Discover defines average credit to be 670 or higher, so if you’re still working on building your credit, a different card may be a better option for now

Summary

With no annual fee, 2% cash back on gas and restaurant purchases (for your first $1,000 in purchases per quarter), and welcome offers that include 0% APR and cash back match for a year, the Discover it® chrome card will check a lot of boxes for many. But if you’re not a big restaurant and gas spender, or are looking for better rewards rates, you’ve certainly got options.

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