Discover it® Chrome
Discover
No Annual Fee
Annual Fee
discoverGood/Excellentcash-backno-annual-fee17 days ago
Welcome Offer
No Welcome Offer
OpenCard analysis
Is the Discover it Chrome right for you?
The Discover it Chrome is a no-annual-fee cash-back card from Discover. Its strongest everyday earning is 2% on dining at restaurants, with 1% on most other purchases. With no fee, the question is simply whether 2% on dining at restaurants beats what your current card earns there.
Who it's for
- ✓ People who spend steadily on dining at restaurants, where it earns 2%
- ✓ Anyone who wants dining at restaurants rewards without paying an annual fee
Who should skip it
- — Heavy spenders outside dining at restaurants — everything else earns 1%
First-year value estimate
Welcome bonus
$0
Rewards on spending
$150
Annual fee (year 1)
−$0
Year 1, before credits
$150
Year two, without the welcome bonus: about $150 before credits ($150 in rewards minus the $0 fee).
Assumptions
- $3,000 a year in dining at restaurants (2%) and $9,000 on everything else (1%) — $12,000 total, about $1,000 a month.
- Rewards valued at 1¢ per point or 1% cash back (cash-equivalent).
- No welcome bonus is listed in our record, so none is counted.
- No annual fee in any year.
An illustration, not a promise of value. Change the spending to match yours; rewards are not cash until redeemed. Card data reviewed 2026-10-02.
How it compares
Bread Rewards American Express →
Bread Financial, same $0 annual fee; earns 3% on dining.
Navy Federal GO REWARDS →
Navy Federal Credit Union, same $0 annual fee; earns 3% on restaurants.
Navy Federal More Rewards American Express →
Navy Federal Credit Union, same $0 annual fee; earns 4% on dining.
Rules and gotchas
- Bonus cap on Gas Stations: up to $1,000 combined quarterly
- Bonus cap on dining at restaurants: up to $1,000 combined quarterly
Frequently asked questions
- Does the Discover it Chrome have an annual fee?
- No. Our record lists a $0 annual fee for the Discover it Chrome.
- What does the Discover it Chrome earn?
- 2% on Gas Stations, 2% on dining at restaurants, and 1% on other purchases. Some bonus rates are capped; see the rules and gotchas above.
- Is the Discover it Chrome worth it in the first year?
- Using our illustration ($12,000 of yearly spending, $3,000 of it in dining at restaurants), the first year comes out around $150 before credits, including a welcome bonus valued at $0. Year two drops to about $150 before credits.
- What credit do I need for the Discover it Chrome?
- Our record lists "Good/Excellent" credit as the typical target for the Discover it Chrome. Discover makes the final decision based on its own criteria.
Earning Rates
2×Gas Stationsup to $1,000 combined quarterly
2×Dining at restaurantsup to $1,000 combined quarterly
1×All other purchasesafter $1,000
Insurance
Sources
Last Updated: Oct 2, 2026