Discover
Discover it Chrome
Estimated value every year on typical spending
$336/ year
Every year, after the annual fee. No welcome bonus.
Based on a typical ~$2,600/month of spending. Points valued conservatively; confirm terms with the issuer.
Carry a balance? At 20%+ APR, interest usually costs more than any card earns.
Is it worth it?
With no annual fee, the Discover it Chrome can't cost you money to hold, so the question is only whether another card would earn more. It's worth about $336 a year on typical spending.
The fine print
- Intro APR
- 0% for the first 15 months
- Regular APR
- 17.74% to 26.74% variable
- Foreign fee
- None
- Top perk
- $0 Fraud Liability
- Approval
- Good credit recommended
- Redeem for
- Statement credit · Direct deposit · Gift cards
Rewards
- 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter
- 1% cash back on all other purchases
Sign-up bonus
Unlimited Cashback Match
Best for
- Keeping costs at $0
Not ideal for
- Frequent international travelers
Trade-offs: No annual fee ↔ lower category bonuses.
Worth knowing
- Annual fee
- $0
- Intro APR
- 0% for the first 15 months
- Regular APR
- 17.74% to 26.74% variable
- Balance transfer fee
- Balance Transfer Fee applies
- $200/mo on gas earns about $48/year (2%).
- $1200/mo on everyday spending earns about $144/year (1%).
Offer history
No changes to the fee, welcome offer or intro APR since we started checking this card daily on Oct 26, 2026.
Discover it Chrome: questions people ask
Is the Discover it Chrome worth it?
With no annual fee, the Discover it Chrome can't cost you money to hold, so the question is only whether another card would earn more. It's worth about $336 a year on typical spending.
What is the Discover it Chrome annual fee?
The Discover it Chrome has no annual fee ($0).
What is the Discover it Chrome welcome bonus?
Unlimited Cashback Match. We check the issuer's page daily; it hasn't changed since we started tracking on Oct 26, 2026.
What does the Discover it Chrome earn?
2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. 1% cash back on all other purchases.
What credit score do you need for the Discover it Chrome?
The issuer doesn't say; we'd class it as: good credit recommended. Checking your matches on CardFit never runs a credit check.
Does the Discover it Chrome charge foreign transaction fees?
No. The Discover it Chrome has no foreign transaction fee.
Does the Discover it Chrome have a 0% intro APR?
0% for the first 15 months. After that the regular APR is 17.74% to 26.74% variable.
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- ChaseChase Freedom Flex$408/yr · $0 fee
Card details are collected from issuer websites and were last refreshed October 29, 2026. Source: Discover product page. Terms change often; confirm them with the issuer before you apply.