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A woman uses her Discover it® Chrome card to pay for fuel at the pump.

How the Discover it® Chrome Card Works

Published January 9, 2025
4 min read
Credit card rewards

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Key points about: earning cash back with Discover it® Chrome

  1. Discover it® Chrome is a rewards credit card that allows you to earn cash back on every purchase.

  2. Discover Cashback Bonus® lets you earn even more on each purchase within a set bonus category.

  3. With Discover it® Chrome, you can earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, automatically.1

With the right credit card, you could earn rewards as you grab your morning cup of coffee or fill your tank for the week. Some credit cards offer cash back or other credit card rewards for qualifying purchases. Each credit card may offer different types of rewards or allow you to earn at different rates in a certain bonus category. The Discover it® Chrome Card is a cash back credit card that could allow you to earn rewards on all your shopping trips.

What’s the Discover it® Chrome credit card?

The Discover it® Chrome Card is a Discover rewards card. You can earn cash back on every eligible purchase you make with your Chrome card. Plus, you may be able to earn even more on certain types of purchases you might already be making regularly.

"We really try and provide value, added value to our customers for categories of their shopping, regardless of whether there's inflation or recession", said Geeta Chandan, Vice President, Rewards & Product Strategy at Discover. "So things like gas and groceries, the basics that you need to spend in, and that's where we want to make sure we continue to reward our customers".

What’s Cashback Bonus on Discover it® Chrome?

You can maximize your rewards by using Discover it® Chrome for certain types of purchases with the Discover Cashback Bonus.

With Discover it® Chrome, you can get Cashback Bonus on eligible purchases, which lets you earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, automatically.1

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Does Discover it® Chrome earn cash back on other purchases?

With the Discover it® Chrome Card, you could earn rewards on many shopping trips and more. Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. You'll still earn unlimited 1% cash back on all other purchases.1 In your first year, Discover also offers an opportunity to take those rewards even further.

Discover matches your cash back at the end of your first year

Discover offers a Cashback Match in the first year after you open your account. You don’t have to sign up; as soon as you start using your card, you can begin earning cash back.

Did you know?

With Discover it® Chrome, you can get an unlimited dollar-for-dollar match of all the cash back you earn at the end of your first year, automatically. There's no limit to how much we'll match. So, you could turn $50 cash back into $100. Or $100 into $200.2

What other benefits does Discover it® Chrome offer?

The Cashback Match isn’t the only perk that cardmembers receive. In fact, every Discover credit card comes with the following benefits.

Rewards redemption

With some credit card companies, you may have to wait until you earn a specific amount of rewards before you can redeem, or you may lose your rewards if you wait too long to use them. However, with Discover, you have plenty of time.

You can redeem your Cashback Bonus® for cash in any amount, any time.3 You can also apply your rewards to your credit card payment when you redeem rewards for cash to pay any part of your bill, including your minimum payment. And your rewards never expire.3

Discover Card is accepted at millions of places nationwide4

Discover is accepted nationwide by 99% of the places that take credit cards.4 Going abroad? You could also use your card in many countries around the world. It’s a good idea to let your credit card issuer know about any international travel, so you can use your card without any interruptions.

Because Discover is widely accepted, you could earn cash back at gas stations, restaurants, grocery stores, and more, no matter where you shop.

No annual fee

You don’t have to pay an annual fee to receive cash back and other great benefits from Discover. Every Discover credit card comes with no annual fee. That way, you can make the most of your cash back without a fee eating away at the cash back you’ve earned.

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With no harm to your credit score5

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With Discover it® Chrome, you could begin earning cash back on all your purchases without an annual fee. If the Cashback Bonus program aligns with your everyday spending habits, Discover it® Chrome could work well as an everyday card for you. To make the most of your rewards, try to keep your balance low or pay it off in full each month so you can minimize interest charges. If the Chrome card sounds like the right fit for you, see if you’re pre-approved with no harm to your credit score.5

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  1. You earn a full 2% Cashback Bonus® on your first $1000 in combined purchases at Gas Stations (stand-alone), and Restaurants each calendar quarter. Calendar quarters begin January 1, April 1, July 1, and October 1. Purchases at Gas Stations and Restaurants over the quarterly cap, and all other purchases, earn 1% cash back. Gas Station purchases include those made at merchants classified as places that sell automotive gasoline that can be bought at the pump or inside the station, and some public electric vehicle charging stations. Gas Stations affiliated with supermarkets, supercenters, and wholesale clubs may not be eligible. Restaurant purchases include those made at merchants classified as full-service restaurants, cafes, cafeterias, fast-food locations, and restaurant delivery services. Purchases must be made with merchants in the U.S. To qualify for 2%, the purchase transaction date must be before or on the last day of the offer or promotion. For online purchases, the transaction date from the merchant may be the date when the item ships. Rewards are added to your account within two billing periods. Even if a purchase appears to fit in a 2% category, the merchant may not have a merchant category code (MCC) in that category. Merchants and payment processors are assigned an MCC based on their typical products and services. Discover Card does not assign MCCs to merchants. Certain third-party payment accounts and digital wallet transactions may not earn 2% if the technology does not provide sufficient transaction details or a qualifying MCC. Learn more at Discover.com/digitalwallets. See Cashback Bonus Program Terms and Conditions for more information.

  2. Cashback Match: We’ll match all the cash back you’ve earned on your credit card from the day your new account is approved through your first 12 consecutive billing periods or 365 days, whichever is longer, and add it to your rewards account within two billing periods. You earn cash back only when they’re processed, which may be after the transaction date. We will not match: rewards that are processed after your match period ends; statement credits; rewards transfers from Discover checking or other deposit accounts; or rewards for accounts that are closed. This offer may not be available in the future and is exclusively for new cardmembers. No purchase minimums.

  3. Rewards Redemption: Rewards never expire. We reserve the right to determine the method to disburse your rewards balance. We will credit your Account or send you a check with your rewards balance if your Account is closed or if you have not used it within 18 months. You may be unable to redeem rewards in some limited situations such as when you choose to use an electronic funds transfer to redeem rewards to a new (unverified) deposit account.

  4. Acceptance: According to the Feb 2024 issue of the Nilson Report.

  5. There is no hard inquiry to your credit report to check if you’re pre-approved. If you’re pre-approved, and you move forward with submitting an application for the credit card, it will result in a hard inquiry which may impact your credit score. Receiving a pre-approval offer does not guarantee approval. Applicants applying without a social security number are not eligible to receive pre-approval offers. Card applicants cannot be pre-approved for the NHL Discover Card.

  • Legal Disclaimer: This site is for educational purposes and is not a substitute for professional advice. The material on this site is not intended to provide legal, investment, or financial advice and does not indicate the availability of any Discover product or service. It does not guarantee that Discover offers or endorses a product or service. For specific advice about your unique circumstances, you may wish to consult a qualified professional.