Discover it Chrome
This card is for drivers and diners who want bonus cash back without rotating categories. It earns 2% at gas stations and restaurants on up to $1,000 in combined purchases each quarter and 1% on everything else, and Discover matches all cash back earned in the first year. Purchases and balance transfers get 0% intro APR for 15 months, with a $0 annual fee. The caveat: the 2% rate stops after $1,000 in combined gas and restaurant spend each quarter, then those purchases earn 1%.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- First-year Cashback Match with no limit
- 2% at gas stations and restaurants without activating categories
- 0% intro APR for 15 months on purchases and balance transfers
- Annual fee: $0
- Regular purchase APR: 17.49% - 26.49% Variable
- Intro purchase APR: 0% for 15 months
- Intro balance transfer APR: 0% for 15 months
- Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Late payment fee: Up to $41
- Rates and offers verified on the issuer's website on September 30, 2026 and may change.
- Gas and restaurants are regular costs and you want 2% on them without activating anything.
- You want your first-year cash back doubled through the Cashback Match.
- You want 15 months at 0% on purchases or transferred balances.
- You should skip it if you spend more than $1,000 a quarter on gas and dining: everything above that earns 1%.
Score guess
Guess your credit score
Drag the dial to your best guess. Then see which cards people around that score got approved for.
A guess, not a credit check: nothing here touches your credit. Score ranges from FICO.
Your guess: 700
Approved at 670 to 739
Approval results for this card
16 results: 16 approved, 0 denied. Approval rate 100% of decided applications.
| Result | Score | Bureau | Income | State | Applied |
|---|---|---|---|---|---|
| Approved | 740 to 799 | Equifax | $75k to $100k | FL | Jun 2025 |
| Approved | 800 and above | Experian | $75k to $100k | IL | Mar 2025 |
| Approved | 670 to 739 | Experian | $150k and above | IN | Mar 2025 |
See all 16 results · Add your result
Reported by Banrox readers or cited from public data points, never issuer data. Not a prediction of your result. Ranges only.
