Discover it® Chrome

5.0 10.0/10 DebitCue Score Verified Jun 20, 2026

Simple 2% on gas and dining with an industry-leading balance transfer offer.

Fee: No fee
Purchase APR: 17.49% - 26.49%
Interest-free: 25 days
Foreign fee: None

Rewards

2% cash back at gas stations and restaurants (up to $1,000 in combined purchases per quarter); 1% unlimited on all other purchases

Welcome offer

Unlimited Cashback Match: Discover automatically matches all cash back earned at the end of your first year

Our verdict

What stands out, and where it falls short.

What we like

2% cash back at gas stations and restaurants (up…
Welcome bonus
No card fee
No foreign transaction fees

Who It Is For

Whether the Discover it® Chrome fits how you actually spend.

Pick it if you are

Anyone who wants a low-cost everyday card
Frequent travelers
People who want rewards on their spending

Rates and fees

As of June 20, 2026

All amounts shown in USD.

Card fee: No fee
Purchase APR: 17.49% - 26.49%
Interest-free period: 25 days
Foreign transaction fee: None
Intro APR (purchases): 0% for 6 months, then 17.49%–26.49% variable
Intro APR (balance transfers): 0% for 18 months, then 17.49%–26.49% variable
Balance transfer fee: 3% intro fee; up to 5% on future transfers

Rewards and features

Rewards: 2% cash back at gas stations and restaurants (up to $1,000 in combined purchases per quarter); 1% unlimited on all other purchases
Welcome offer: Unlimited Cashback Match: Discover automatically matches all cash back earned at the end of your first year
Pay with: Apple Pay, Google Pay, Contactless, Virtual card
2% cap: Gas + restaurant cap is $1,000 in combined purchases per quarter; 1% after cap

Benefits and perks

Extras that come bundled with the card.

No foreign transaction fees
Free FICO® Score access
First late fee forgiven
No penalty APR for late payments

Eligibility

What you need before you apply.

Credit score: Good to excellent (FICO 670+)

Discover it® Chrome: your questions answered

Does the Discover it® Chrome have a card fee?

No - the Discover it® Chrome has no card fee.

What rewards does the Discover it® Chrome earn?

The Discover it® Chrome earns 2% cash back at gas stations and restaurants (up to $1,000 in combined purchases per quarter); 1% unlimited on all other purchases.

Does the Discover it® Chrome charge foreign transaction fees?

No - the Discover it® Chrome has no foreign transaction fees, so it suits spending abroad.

Is there an interest-free period on the Discover it® Chrome?

Yes - up to 25 days interest-free when you pay your balance in full by the due date.

What is the interest rate on the Discover it® Chrome?

The Discover it® Chrome has a purchase APR of 17.49% - 26.49%.

Does the Discover it® Chrome have a welcome offer?

Yes - Unlimited Cashback Match: Discover automatically matches all cash back earned at the end of your first year.

Is the Discover it® Chrome a credit, debit or prepaid card?

The Discover it® Chrome is a credit card issued by Discover on the Discover network.

Does the Discover it® Chrome support Apple Pay and Google Pay?

Yes - the Discover it® Chrome works with both Apple Pay and Google Pay.