Discover it Chrome

The it Chrome is Discover's set-and-forget cash back card, built for people who would rather not track a quarterly calendar. It pays a flat 2% at gas stations and restaurants on up to $1,000 in combined purchases each quarter, then 1% on everything else, with the same unlimited Cashback Match that doubles your first year. The cap is modest, so the 2% tops out around $80 a year before the match, which makes Chrome a fit for light gas and dining spenders rather than heavy commuters; anyone who will activate categories should look at the it Cash Back instead.

Apply at Discover Issuer terms

Direct link to the issuer. We don't currently have an affiliate relationship for this card.

Annual fee

Free
Welcome offer

Unlimited Cashback Match

Discover automatically matches all the cash back you earn at the end of your first year, dollar for dollar, with no limit and no minimum spend. New cardmembers only.
Recommended credit

700-780

Median 720. See why →

Earning rates

on Discover Cashback

2x

Dining

Gas + dining, $1k/qtr combined

Cap $1,000
2x

Gas

Gas + dining, $1k/qtr combined

Cap $1,000
1x

Everything else

Benefits and credits

Purchase and protection benefits

$0 Fraud Liability Guarantee

financing

0% Intro APR for 15 Months

service

Free FICO Credit Score
Free Social Security Number Alerts
Freeze It Account Freeze

Pricing and fees

Full Pricing and Terms

Purchase APR: 17.49% to 26.49%
Foreign tx: None
Penalty APR (cap): None
Balance transfer: 17.49% to 26.49%; Fee 3.00%
Cash advance: 28.49%; Fee $10 or 5.00%, whichever is greater
Late / returned: $41 · $30

Eligibility and application

Card type

Unsecured personal card
Pre-qualification

Soft-pull pre-qualification available
Application inquiry

Hard credit inquiry on submission
Approval bureau

Not disclosed by issuer
Authorized user fee

Not disclosed
Reports AU to bureaus

Yes

Reports authorized-user activity to all three bureaus (issuer's own statement). No published age minimum.
Issuer policy

How the recommended credit score is derived

Reported by users, not disclosed by the issuer. Synthesized from community-reported approval data points and cross-checked against industry editorial guidance for consensus.

4 data points reviewed

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Sources

Data current as of June 9, 2026 Report an inaccuracy

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Not financial advice

ccdeck is not a financial advisor. Information here is for educational purposes only. Confirm card terms with the issuer before applying.