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Discover it® Chrome
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Discover it® Chrome

A no-annual-fee cash back card from Discover.

Cash back only
Annual fee
No annual fee
Welcome bonus
Cashback Match, all cash back earned in year 1 doubled
Min spend
No minimum
Recommended credit
Fair to Good (630+)
Network
Discover
Foreign transaction fee
None
Apply on Discover site6.8/10Our rating · review ›

Rates, fees, and full terms are set by Discover and can change. See current rates & fees on the issuer’s site, and always confirm the latest terms before applying.

Before you apply: credit card application and welcome-bonus rules →
Offer last verified July 26, 2026. How we verify.

Is this card right for you?

✓ Best for

people who spend heavily on dining and gas.

⚠ Think twice if

your spending is spread evenly, where a flat-rate card would likely earn you more.

Earning rates

2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, then 1%
1% cash back on all other purchases
Unlimited Cashback Match, Discover doubles all cash back earned in your first year

Best ways to earn & redeem

Put your dining and gas spending on this card to earn at its highest rates, and let a different card handle the categories it does not bonus. Its dining rate is on the modest side for that category, so compare before you commit.

When you cash in, take the rewards as cash back or a statement credit, worth a flat 1 cent each. We value every point at a flat 1 cent, so treat any transfer upside as a bonus rather than the baseline — see what your points are really worth.

Features & benefits

No annual fee, no foreign transaction fees
Free FICO® credit score on every statement
Freeze your account instantly via the app
$0 fraud liability guarantee
No late fee on your first late payment

Alternatives to the Discover it® Chrome

Pairs well with

The Discover it® Chrome earns the most in its bonus categories, so pair it with a no-fee flat-rate card to cover everything it only earns a base rate on.

How does it rank for your spending?

Every card is ranked by what it actually returns on the way you spend. Run your numbers and see where the Discover it® Chrome lands.

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