Discover it Chrome Gas & Restaurants Credit Card
The Discover it Chrome card has no annual fee and automatically earns 2% cash back on the first $1,000 in combined purchases at stand-alone gas stations and restaurants each calendar quarter, then 1% 2. New cardmembers get a Cashback Match of all cash back earned in the first 365 days, and the issuer lists $0 fraud liability and free FICO Score 8 access through CreditWise 21.
Contents9 sections
At a glance
| Annual fee | $02 |
|---|---|
| Foreign transaction fee | None Issuer-wide statements, not a card-specific Schumer box line: Capital One’s help center says it charges no foreign transaction fees, and the Discover by Capital One card agreement says no currency conversion fees are charged. The card’s application terms list no foreign transaction fee.43 |
| Rewards | Earns 2% cash back at stand-alone gas stations and restaurants on up to $1,000 in combined purchases each calendar quarter (automatic), 5% on Capital One Travel hotels/vacation rentals/rental cars and Capital One Entertainment tickets, and 1% on everything else. |
| Network | Discover |
| Issuer | Discover · Official card page |
What to know about the Discover it Chrome
Unlike the rotating 5% categories on Discover it Cash Back, the 2% rate here is always on and needs no activation. Gas and restaurant spending share one $1,000 limit per calendar quarter. After that, and on every other purchase, the card earns 1% 2. The terms define the categories by merchant category code and require U.S. merchants. They also say gas stations tied to supermarkets, supercenters or wholesale clubs may not count, so fuel bought at a warehouse club may earn only 1% 2.
The card also earns 5% on hotels, vacation rentals and rental cars booked through Capital One Travel, and on tickets bought on the Capital One Entertainment platform. Cardholder exclusive pre-sales and Capital One Dining are excluded 2. Rewards do not expire while the account is open. You can redeem them as a statement credit or check, automatically, or for gift cards and Capital One Travel bookings 2.
Cashback Match covers the first 365 days after approval and is credited within two billing periods. It does not apply to statement credits or closed accounts 2. The first late payment has no fee, and later ones cost up to $41 2. The product page lists 24/7 human customer service but notes that some specialized agents may not be available around the clock 1. Capital One says it charges no foreign transaction fees 4. No benefits guide for this card was found, so no insurance coverage is listed.
Earning rewards
| Rate | On |
|---|---|
| 2% cash back | Gas stations (stand-alone) and restaurants, combinedLimit: First $1,000 in combined purchases each calendar quarter; then 1%Automatic (no activation); purchases must be made with U.S. merchants; gas stations affiliated with supermarkets, supercenters and wholesale clubs may not be eligible; based on merchant category codes2 |
| 1% cash back | All other purchases (and gas/restaurant purchases above the quarterly cap)2 |
| 5% cash back | Hotels, vacation rentals and rental cars booked through Capital One TravelNet purchases only; incidentals, upgrades or other expenses outside Capital One Travel earn the standard rate2 |
| 5% cash back | Tickets purchased on the Capital One Entertainment ticketing platformExcludes cardholder exclusive pre-sales, Capital One Hall / Capital One Arena ticketing, and Capital One Dining2 |
Cashback Match: new cardmembers get all cash back earned from account approval through the first 365 days matched, added within two billing periods; no limit and no purchase minimums. Statement credits, rewards transfers from checking/deposit accounts and rewards for closed accounts are not matched. Cash back can be redeemed on request as a statement credit or check, on an automatic schedule, or for credits for previous purchases, gift cards and Capital One Travel bookings.21
Account features
| Zero fraud liability | $0 fraud liability for unauthorized purchases; claims are subject to investigation and verification.1 |
|---|---|
| Free credit score | Free FICO Score 8 (TransUnion data) and TransUnion credit report through Capital One’s CreditWise, which requires enrollment.2 |
Other perks
| Rewards do not expire | Rewards do not expire for the life of the account; unredeemed rewards may be lost if the account is closed.2 |
|---|---|
| First late payment fee waived | No late fee the first time you pay late; after that, up to $41.2 |
| Dark web Social Security number alerts (CreditWise) | Alerts if your SSN is found on the dark web, after signing up for CreditWise (free, provided by Capital One).1 |
| Card lock in the mobile app | Lock your card in the mobile app if it is misplaced, lost or stolen.1 |
| 24/7 human customer service | Certain specialized customer service agents may not be available 24/7.1 |
| Cashback Match (new cardmembers) | All cash back earned from account approval through the first 365 days is matched and added within two billing periods; no limit, no purchase minimums. Not matched: rewards processed after the match period, statement credits, rewards transfers from Discover or Capital One checking/deposit accounts, rewards for closed accounts. May not be available in the future.2 |
Other versions of this card
Discover also offers the Discover it Student Chrome Credit Card. It earns rewards on the same terms as the card above; these are the differences Discover lists.
Discover it Student Chrome Credit Card
| Annual fee | $06 |
|---|---|
| Foreign transaction fee | None43 |
| What differs | The student version of Discover it Chrome. It has the same automatic 2% at stand-alone gas stations and restaurants on the first $1,000 in combined purchases each quarter, 1% on everything else, Cashback Match and no annual fee 6. The product page says no credit score is required to apply 5. |
| Dark web alerts (CreditWise) | With CreditWise enrollment, alerts when personal information is found on unsafe sites on the dark web.6 |
| No credit score required to apply | Stated on the product page.5 |
Not listed for this card
The Discover pages and benefit terms we checked for the Discover it Chrome do not list these benefits:
- Rental car coverage
- Trip cancellation and interruption
- Trip delay
- Baggage delay
- Lost or damaged luggage
- Travel accident insurance
- Emergency evacuation and medical
- Travel and emergency assistance
- Roadside assistance
- Cell phone protection
- Purchase protection
- Extended warranty
- Return protection
- Airport lounge access
- Global Entry or TSA PreCheck credit
- Hotel benefits program
Some benefits come from the card network rather than the bank and are not always advertised. Your own Guide to Benefits, or the number on the back of the card, is the final word on what your account covers.
Sources
- 1 Discover, Discover it Chrome Gas & Restaurant Credit Card Checked Oct 10, 2026 · Back to text ↑
- 2
- 3
- 4 Discover, Traveling with your credit card | Capital One Help Center Checked Oct 10, 2026 · Back to text ↑
- 5 Discover, Discover it Student Chrome Checked Oct 10, 2026 · Back to text ↑
- 6
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