Discover · Discover
Discover it® Chrome
Annual Fee
$0
Sign-Up Bonus
$100
Current offer shown; issuer determines eligibility.
Terms apply.
Base Rate
1x
on everything
Best For
Consistent gas and dining spenders who prefer fixed 2% over rotating 5% categories
Reward Categories
Gas stations (up to $1,000/quarter)
Cap: $4,000/yr
Restaurants (up to $1,000/quarter)
Cap: $4,000/yr
Key Benefits
Perks (not counted in our math)
Pros & Cons
Pros
- + 2% on gas and dining every quarter — no activation needed
- + Cashback Match doubles all rewards your first year
- + No annual fee
- + U.S.-based customer service rated highly
Cons
- - $1,000/quarter cap on 2% categories ($4,000/year each)
- - 1% base rate is below average
- - Discover not accepted at some merchants internationally
- - No sign-up bonus — relies on Cashback Match for first-year value
Rates and fees may vary.See current rates, fees, and terms on Discover's site
Recommended credit score: 670+
Advertising disclosure: we may earn a commission if you apply through this link. This does not affect your ranking. Full disclosure
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Written by Tim · Data verified against issuer terms · Last checked Sep 14, 2026 · Methodology v2026.09.1
Card information is collected independently and has not been reviewed or provided by the card issuer. Terms apply to the offers listed on this page. See our disclosure for details.