Credit Card Reviews

Discover it® chrome: No Fuss Cash Back for Diners and Drivers

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Discover it® chrome is a no-nonsense flat rate cash back card with bonus rewards of 2% cash back at gas stations and restaurants and 1% for other purchases all the time. And this card offers a new cardholder bonus that's hard to pass up: Discover will match all your cash back after your first year with the card.


  • No annual fee
  • 2% cash back for gas and restaurants on up to $1,000 in combined purchases each quarter
  • 1% cash back for everything else
  • Cash back matched on all spending in the first year


  • Low spending cap for quarterly 2% cash back categories
  • May not be accepted in all countries outside of the U.S.
  • Need good to exceptional credit

Experian Review

For people who spend a lot of money at gas stations and restaurants—maybe because they're commuting to work and then eating out after hours on the road—Discover it® chrome offers some good cash back incentives, especially in the first year, with no annual fee.

Fill Up on Bonus Cash Back at Restaurants and Gas Stations

The Discover it® chrome credit card offers enticing incentives and cash back rewards for eating out and filling your gas tank. You will earn 2% cash back on the first $1,000 in combined purchases at gas stations and restaurants each quarter, then 1% for purchases over the $1,000 quarterly limit and all other purchases.

Super Incentive: Double Cash Back in the First Year

A huge incentive for new cardholders is Discover's cash back match for the first year. Discover will match all the cash back you've earned at the end of your first year, automatically. For this bonus, there is no need to register and no limit to how much is matched. You will be earning double cash back the entire year after you open your card.

Long 0% APR Period for Purchases and Balance Transfers

If you need to make a big purchase, Discover it® chrome's 14-month 0% introductory term allows you time to plan and pay off the purchase interest-free. (After that, the variable APR will be 14.24% - 25.24%.) But while the 0% rate applies to both new purchases and balance transfers, you may find better balance transfer options available, such as with the Discover it® Balance Transfer card.

Should You Get the Discover it® chrome?

If you are looking for a low maintenance no-fee card to collect some cash back for gas, restaurants and other purchases, the Discover it® chrome card isn't a bad choice. While not giving the highest payout among cash back cards, the flat rate cash rewards offer convenience because they are given automatically with no registration or activation required.

Editorial Disclaimer: Opinions expressed here are author's alone, not those of any bank, credit card issuer or other company, and have not been reviewed, approved or otherwise endorsed by any of these entities. All information, including rates and fees, are accurate as of the date of publication.

This article was originally published on February 21, 2019, and has been updated.

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