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Much like the name implies, the Discover it® Chrome Gas & Restaurant credit card focuses on cashback rewards for gas and dining purchases. With no annual fee or foreign transaction fees, an unlimited dollar-for-dollar cashback match, and a 15-month 0% APR offer on purchases and balance transfers, there are a lot of reasons to like the Discover it® Chrome Gas & Restaurant credit card.
Quick Review
The Discover it® Chrome Gas & Restaurant credit card has a cashback program that makes it easy to save on gas, dining, and everything else. You can get:
- 2% cash back on gas and dining for up to $1000 (combined) quarterly
- 1% cash back on everything else
- Unlimited dollar-for-dollar cashback match your first year
The dollar-for-dollar match offer is especially important, as it doubles all of your savings in the first year. Therefore, you’re actually getting 4% back on dining and gas and 2% back on everything else. There’s also a 15-month 0% APR period, so you can pay off large purchases over time without interest for over a year.
While the bonus categories may sound limited, they actually cover several types of purchases. The dining/restaurant category includes takeout, delivery, fast food, and cafes. Meanwhile, the gas category includes all gas station purchases, not just petrol.
However, the relatively low rewards rates and the bonus category limits make it a lower-earning rewards card. If you’re looking for more cashback opportunities and have the credit to qualify, keep looking for more lucrative deals.
Discover it® Chrome Gas & Restaurant Important Details
Basic Card Details
- Annual fee: $0
- Purchase APR: 14.99%–25.99% (variable)
- Rewards rate: 1%–2%
- Welcome bonus: Cashback match
- Grace period: 23 days
Additional Information
- No foreign transaction fees
- No cashback redemption restrictions
- Free FICO credit scores
- Free access to Discover’s Social Security monitoring service
- $0 fraud liability
Discover it® Chrome Gas & Restaurant Feature Breakdown
Here’s a breakdown of the Discover it® Chrome Gas & Restaurant credit card’s key features to help you determine if this is the right card for you.
Fees
- Annual fee: $0
- Balance transfer fee: 3%–5%
- Cash advance fee: $10 or 5% (whichever is greater)
- Foreign transaction fee: None
- Late payment fee: Up to $39
Interest Rates
- Purchase APR: 14.99%–25.99% (variable)
- Introductory purchase APR: 0% for 15 months
- Introductory balance transfer APR: 0% for 15 months
- Balance transfer APR: 14.99%–25.99% (variable)
- Cash advance APR: 27.99% (variable)
The introductory 0% APR for purchases and balance transfers is great for paying off large purchases over time or transferring a balance to consolidate credit card debt.
Rewards
The cashback program for the Discover it® Chrome Gas & Restaurant credit card is pretty good and relatively straightforward. Here’s how it works:
- 2% back on gas and restaurants, up to $1000 quarterly
- 1% back on everything else
- Unlimited dollar-for-dollar match for the first year
This is a standard program for a cashback credit card. The non-rotating bonus categories make saving easy, so you can use the card normally without having to think about where or how you’re spending your money.
Unfortunately, the gas and dining spending limit of $1,000 per quarter is relatively low. This makes the Discover it® Chrome Gas & Restaurant credit card ideal for more modest spenders who aren’t filling up their tank or eating out super often.
Rewards Redemption
Cashback rewards with the Discover it® Chrome Gas & Restaurant credit card never expire, so there’s no rush to redeem them immediately. However, if you don’t redeem them within 18 months, or if your account closes, you will automatically be issued a statement credit or check.
Rewards can be redeemed as cash, statement credit, or through Amazon or Paypal.
Welcome Bonus
The Discover it® Chrome Gas & Restaurant credit card offers a welcome bonus unlike most on the market. While other cards usually offer a certain number of points after you spend a given amount, the Discover it® Chrome Gas & Restaurant offers an unlimited cashback match for your first year.
You don’t need to reach a spending threshold to unlock this bonus. Just use your card normally and enjoy extra rewards at the end of the year.
Cash Advance
A cash advance is when you withdraw money from an ATM using your credit card. Unlike cash withdrawals using a debit card, credit card cash advances can be very expensive. The Discover it® Chrome Gas & Restaurant credit card charges at least $10 and a 27.99% APR for cash advances, which is incredibly high.
These types of interest rates and fees can add up quickly, so you should only use your credit card for cash withdrawals in emergencies.
Balance Transfers
Balance transfers involve transferring debt from one credit card to another. They can help you consolidate debts for easier payoff and avoid high interest charges.
Luckily, the Discover it® Chrome Gas & Restaurant credit card comes with an introductory 15-month 0% APR offer and a 3% balance transfer fee. If you’re able to pay off your balance in that 15-month period, this could be a good option for a balance transfer credit card.
Other Benefits
The Discover it® Chrome Gas & Restaurant credit card comes with very few additional benefits. Here’s what you can get:
- Free FICO credit scores
- Access to Discover’s Social Security monitoring service
- Freeze and unfreeze your card immediately using the mobile banking app
- Forgiveness on your first late payment
Discover’s Social Security monitoring service lets you know if your Social Security number pops up on any websites it shouldn’t, including on the dark web. This is a new and unique feature that isn’t advertised on other credit card issuer’s websites.
The late payment forgiveness can also be helpful, although you should still try your best to make all your payments on time.
Credit Reporting
Discover reports to all three major credit bureaus, making this card ideal for people trying to build their credit score and keep their credit report updated.
You can also check and track your FICO score for free using your Discover it® Chrome Gas & Restaurant credit card.
Customer Service
If you want to speak to Discover directly regarding this card, you can do so with these contact numbers:
Customer service
(800) 347-2683
Customer service (outside US)
(224) 888-7777
Should You Get the Discover it® Chrome Gas & Restaurant?
FinanceJar verdict
The Discover it® Chrome Gas & Restaurant credit card is a good option for low-to-moderate spenders looking to save on gas, dining, and more. It doesn’t have an annual fee, foreign transaction fees, or any redemption limitations, making it an easy credit card to manage.
However, the cashback caps and relatively low rewards after the first year may not make this the right card for everyone.
Who is this card for?
- Modest spenders: The rewards program is great for drivers and diners who aren’t breaking the bank on gas and restaurants every month. The $1,000 2% rewards cap is low, so modest spenders are best off with this card.
- Upcoming roadtrippers: If you have gas and dining expenses coming up (say, for a road trip), the unlimited cashback match the first year can go a long way. Essentially, you’ll be getting 4% back on gas and dining.
Comparable Cards
Here’s how the Discover it® Chrome Gas & Restaurant credit card compares to similar cards on the market.
