Discover it® Chrome
Smarter rewards for fuel and food lovers
By: Guia Bancário
2% Back on Gas & Restaurants
Get 2% cashback at gas stations and restaurants on up to $1,000 in combined spending per quarter.
1% Back on Everything Else
Earn a flat 1% cashback automatically on all other purchases—no tracking or activation needed.
First-Year Cashback Match
At the end of year one, Discover doubles every dollar you’ve earned in cashback—no ceilings, no fine print.
No Annual Fee + Easy Redemption
Keep all your rewards with zero yearly cost, and cash out whenever you want, for any amount.
Why the Discover it® Chrome Is Worth Carrying
The Discover it® Chrome card is tailored for those who regularly fuel up or dine out. With 2% cashback at gas stations and restaurants (capped at $1,000 quarterly), routine spending turns into savings. All other purchases continue to earn 1% cashback with no effort. The real game changer is Cashback Match—every cent earned in the first 12 months gets doubled automatically. If you collect $150, Discover turns it into $300 without you lifting a finger.
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Does this card charge an annual fee?
No. The Discover it® Chrome comes with a $0 annual fee, so all rewards stay in your pocket.
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Is Cashback Match available every year?
No, the Cashback Match is only offered during your first year as a cardholder.
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What credit score do I need to apply?
Typically, a fair to good score (around 670 or higher) increases your chances of approval.
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Can I redeem cashback at any time?
Yes, you can redeem any amount whenever you like—there are no minimum thresholds.
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Do I need to activate the 2% category?
No activation is required. The 2% cashback applies automatically up to the quarterly limit.
Applying for the card is quick and fully online. Start by visiting Discover's website, go to the credit card section, select the Chrome card and hit “Apply Now.” You’ll need to provide basic personal info, income details, employment status, and your Social Security number. Most people get a response within minutes, and if approved, the card is mailed within 7–10 business days. You can also check for pre-approval without affecting your credit score, thanks to Discover’s soft inquiry feature. The entire process is secure, intuitive, and clear. Discover even gives guidance on the credit profile typically required—usually fair to good credit (around 670+). If you're new to credit, Discover is known for being beginner-friendly and offering excellent customer support. Bottom line: apply online, get a fast answer, and start earning cashback on everyday fuel and dining. Simple, efficient, and built to get you approved fast.