Discover · Discover
Discover it® Chrome
Annual Fee
$0
Sign-Up Bonus
N/A
0Base 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
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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