Backed by Discover, a leading U.S. financial institution accepted by 99% of merchants nationwide and trusted by millions of cardholders.
What you need to know about this credit card:
- Annual fee: $0 — enjoy all the rewards without paying to carry the card
- Cashback: 2% 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%–27.24% variable APR
- First-year bonus: Unlimited Cashback Match — every dollar you earn is doubled with no limit
Pros:
- 2% cashback at gas stations and restaurants: Perfect for road trips, commutes, and dining out with friends or family
- 1% cashback on all other purchases: Simple, reliable rewards on everything you buy — no categories to activate
- Cashback Match in the first year: Discover doubles every dollar of cashback earned, automatically, with no limits
- 0% intro APR for 15 months: Pay no interest on purchases or balance transfers for over a year
- No annual fee and zero foreign transaction fees: Maximize your cashback with no hidden costs at home or abroad
Cons:
- 2% cashback has a $1,000/quarter cap: If you spend more on gas and dining, it drops to 1% after hitting the cap
- Limited bonus categories: Unlike some cards with broader rewards, this one focuses only on gas and restaurants
Why Choose Discover for your credit card?
The Citi Custom Cash® limits bonuses to your top category per month. Discover pays 2% on both gas and restaurants consistently.
Unlike Chase Freedom Flex®, there’s no need to track or activate rotating categories — rewards are automatic.
Compared to Wells Fargo Active Cash®, Discover Chrome offers a huge first-year Cashback Match that can double your rewards.
American Express Blue Cash Everyday® offers 3% on gas but with stricter spending caps and no first-year Cashback Match.
The Capital One SavorOne® provides 3% on dining but doesn’t offer anything like Discover’s unlimited Cashback Match in year one.
Discover it® Chrome: let’s get to know it a little better
This is a great card for anyone who spends regularly on gas and dining. With no annual fee, a long 0% intro APR, and the exclusive Cashback Match in the first year, it’s a smart pick for simple, reliable rewards.
How to Apply for Your Discover it® Chrome
Ready to enjoy 2% cashback at gas stations and restaurants plus Cashback Match that doubles your first year’s earnings? Apply now and start maximizing your everyday spending with no annual fee.