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

How the Discover it® Chrome Card Works

4 min read

Last Updated: October 29, 2025

Table of contents

Key Takeaways

Discover it® Chrome is a rewards credit card that earns cash back on every purchase.
With Discover it® Chrome, you earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, automatically.¹
Redeem rewards for any amount.²

The sun is shining and you’re on your way to work. You swing by the gas station, hop out of your car, and tap your card at the pump. You fill your tank, then head to the coffee shop. You tap your card there, too, before getting back on the road, coffee in hand, headed to start your day.

You might not think much of those purchases. Especially if you make them every day. But with a rewards credit card that gives you cash back every time you buy gas or eat at a restaurant, you’ll have the satisfaction of knowing these purchases just earned you some cash.

And that knowledge might just brighten your day a little.

Let’s take a look at how Discover it^® Chrome works, how it earns rewards, and its other perks.

What’s the Discover it® Chrome credit card?

With the Discover it^® Chrome card, you earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically.¹

That’s not the only way you can earn extra rewards, though.

With Discover, you should not have to worry about your cash back losing value when it comes time to use it. Every $1 you earn in cash back is $1 you can redeem.²

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. That means 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 is no limit to how much we’ll double.³

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.

Redeem rewards for any amount²

Some credit card companies may make you wait until you earn a specific amount of rewards before you can redeem them. Other companies have an expiration on rewards, so you may lose them if you wait too long.

Did you know?

All Discover cards allow you to redeem cash back for any amount.² You don’t have to meet a certain threshold before you can deposit your rewards into your bank account or redeem rewards for cash in any amount to help pay down your balance on your Discover card statement.

Learn More

Discover Network is accepted at millions of locations across the globe.⁴

Discover is accepted at 99% of places that take credit cards nationwide.⁵ Going abroad? You can 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 interruptions.
Because so many places accept Discover, you could earn cash back at gas stations, restaurants, grocery stores, and more.

No annual fee

Discover has no annual fee on any of our cards. You can make the most of your cash back without a fee eating away at the cash back you earn.

The bottom line

With Discover it^® Chrome, you could earn cash back on all your purchases with no annual fee. You 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

And don’t forget about the unlimited Cashback Match. Discover will automatically match all the cash back you’ve earned at the end of your first year.³

If you regularly make purchases at gas stations and restaurants, Discover it^® Chrome could be a great everyday card for you.

If the Chrome card sounds like a good fit, see if you’re pre-approved with no harm to your credit score.⁶ Or, if you’re a college student, check out the Discover it^® Student Chrome Card for a student cash back card option.