Discover · Discover
Discover it® Chrome
Consistent gas and dining spenders who prefer fixed 2% over rotating 5% categories
No annual fee
Why people consider it
- 2x on Gas.
- 2x on Dining.
Current welcome offer
Welcome offer: Cashback Match≈ $100 at this spending
Requirement: No spend requirement — every dollar of first-year cash back is matched
Current offer shown; issuer determines eligibility.
Details: Cashback Match — Discover matches all cash back earned in your first year
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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Is this card worth it?
Ongoing value
$616/year
for the sample household ($4,800/month) · points at typical value
First-year value
$1,232 first year
Includes: +$616 welcome offer
$616 is one-time. $616/year is ongoing.
To earn the bonus: no spend requirement — every dollar of first-year cash back is matched.
Offer verified: Nov 4, 2026
Worth considering if you already want this type of card.
- Full annual fee:
- none
- Major trade-offs:
- $1,000/quarter cap on 2% categories ($4,000/year each) 1% base rate is below average
- Against a no-fee alternative:
- This is a no-fee card — nothing to earn back.
Detailed research
Full reward table and category caps
Gas stations (shares the $1,000/quarter combined cap with restaurants, then 1%)
Cap: $4,000/yr
Restaurants (shares the $1,000/quarter combined cap with gas, then 1%)
Cap: $4,000/yr
Optional benefits and credits
Perks (not counted in our math)
Approval and bonus eligibility caveats
Recommended credit score: 670+ — the issuer decides every application.
Issuer verification source
Rates and fees may vary.See current rates, fees, and terms on Discover's site
Detailed methodology
Net annual value = rewards on a spending profile at typical point value − the full annual fee; credits count only if you tell us you use them; a welcome offer counts once, in year one, only where the profile meets its requirement. Same math as Find a Card. Methodology v2026.09.4.
Editorial review and disclosures
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
Written by Tim · Data verified against issuer terms · Last checked Nov 4, 2026 · Methodology v2026.09.4
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.