Issued by Discover, a trusted financial institution serving millions of U.S. customers and accepted at 99% of places that take credit cards nationwide.
What you need to know about this credit card:
- Annual fee: $0 — keep all your rewards without paying extra
- Rewards: 2% cashback at gas stations and restaurants (up to $1,000 per quarter) + 1% on other purchases
- Intro APR: 0% for 15 months on purchases and balance transfers, then 18.24% to 27.24% variable APR
- Welcome bonus: Cashback Match doubles every dollar earned in the first year — no limits or restrictions
Pros:
- 2% cashback at gas stations and restaurants: Earn rewards on your road trips, commutes, and dining out all year round
- 1% cashback on everything else: All purchases earn cashback — no exceptions, no categories to track
- First-year Cashback Match with no cap: Whatever you earn in cashback during the first year, Discover doubles automatically
- 0% intro APR for 15 months: Pay zero interest on purchases and balance transfers for over a year
- No annual or foreign transaction fees: Save money whether shopping online, traveling, or dining out internationally
Cons:
- 2% cashback capped at $1,000/quarter: After that, you earn 1% until the quarter resets — good for moderate spenders
- Fewer bonus categories: Focused only on gas and restaurants, unlike other cards with broader bonus options
Why Choose Discover for your credit card?
Compared to the Citi Double Cash®, which gives 2% overall, Discover offers Cashback Match — a first-year bonus the Citi card doesn’t have.
The Chase Freedom Flex® offers rotating 5% categories but requires activation. Discover’s rewards are automatic every quarter.
With the Wells Fargo Active Cash®, you get 2% flat, but Discover Chrome doubles your cashback in year one, adding more value.
American Express Blue Cash Preferred® offers 3% on gas but has a $95 annual fee. Discover gives 2% with no fee plus Cashback Match.
Capital One Quicksilver® gives 1.5% back, but Discover Chrome pays 2% on gas and dining — plus the double cashback in your first year.
Discover it® Chrome: let’s get to know it a little better
This is the perfect card for drivers and diners. Whether you commute daily or love eating out, it gives you reliable rewards with no annual fee, a long 0% intro APR, and an exclusive Cashback Match in your first year.
How to Apply for Your Discover it® Chrome
Start earning 2% cashback at gas stations and restaurants plus unlimited Cashback Match in the first year. Apply now to enjoy these perks with no annual fee and simple rewards.