Discover it® Chrome: for foodies and commuters
The Discover it® Chrome Card rewards dining and gas spending with cashback, no annual fee, and a cash back match bonus, making it ideal for everyday use.
By: Zienic
Earn 2% Cash Back at Gas Stations and Restaurants
Cardholders automatically earn 2% cash back on combined purchases at gas stations and restaurants, up to $1,000 in purchases each quarter.
Unlimited 1% Cash Back on All Other Purchases
Earn unlimited 1% cash back on all other purchases outside the gas and restaurant categories—no activation or rotating categories required.
Introductory APR Offers
Enjoy 0% introductory APR for 6 months on purchases and 0% APR for 18 months on balance transfers, providing flexibility for new spending and debt consolidation.
Cashback Match for the First Year
Discover automatically matches all the cash back you’ve earned at the end of your first year—there’s no limit to how much you can earn.
Why the Discover it® Chrome Card is a Top Pick
With Americans spending significantly on food and transportation, the Discover it® Chrome Gas & Restaurant Credit Card meets everyday needs with rewarding benefits. Cardholders can earn 2% cash back at gas stations and restaurants—two high-traffic spending categories—on up to $1,000 in combined purchases per quarter. All other purchases earn 1% cash back with no cap, which adds value for broader spending. New users benefit from a 0% introductory APR for 6 months on purchases, making it easier to finance larger buys without immediate interest charges. On top of that, Discover’s 18-month 0% APR offer on balance transfers provides relief for those looking to consolidate debt. What sets this card apart is the Cashback Match: at the end of the first year, Discover automatically matches all the cash back you earned—no enrollment or spending categories to manage. This means double the rewards without the hassle. Security features like free FICO® Credit Score access, fraud monitoring, and no annual fee round out the benefits. With no foreign transaction fees and U.S.-based customer service, the Discover it® Chrome is also a solid travel companion. It's a great card for students, commuters, and budget-conscious families alike.
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What credit score is needed for the Discover it® Chrome card?
A good to excellent credit score (typically 670 or higher) is recommended for approval, though some applicants with fair credit may also qualify.
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Is there an annual fee for the Discover it® Chrome card?
No, the card comes with no annual fee, making it a cost-effective option for most consumers.
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How does the Cashback Match work?
Discover will match all the cash back you’ve earned at the end of your first year as a cardholder. This is automatically applied and does not require activation.
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Can I use this card internationally?
Yes, the Discover it® Chrome card has no foreign transaction fees, making it suitable for international travel.
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Is there a spending cap on the 2% categories?
Yes, the 2% cash back at gas stations and restaurants applies to the first $1,000 in combined purchases each quarter. After that, you’ll earn 1% on those purchases.
How to Apply for the Discover it® Chrome Card
Applying for the Discover it® Chrome Gas & Restaurant Credit Card is simple and can be done entirely online. To begin, visit Discover’s official website and navigate to the credit cards section. From there, locate the Discover it® Chrome card and click “Apply Now.” You’ll need to provide basic information such as your full name, address, Social Security number, income, and employment status. Discover will use this information to assess your creditworthiness. A good to excellent credit score is typically recommended for approval, although applicants with fair credit may also qualify. During the application process, Discover may offer a pre-approval tool to estimate your eligibility without affecting your credit score. This is a great way to check your chances of approval before submitting a full application. Once submitted, many applicants receive an instant decision. If approved, your card will typically arrive in the mail within 7 to 10 business days. You can then activate the card and start using it right away. For those interested in balance transfers, Discover allows you to include this request during the application. Be sure to transfer balances within the first 45 days to qualify for the introductory APR. Overall, the process is user-friendly, transparent, and can be completed within minutes.