Discover it: Cash Back vs. Chrome

Updated Jan 3, 2021

Fact checked

The main difference is that the Discover it® Cash Back offers accelerated cash back on rotating categories each quarter, while the Discover it® Chrome Gas & Restaurant Card offers accelerated cash back only on gas and dining. However, the cashback rate of the latter cannot match the rate you earn with the Discover it® Cash Back. Otherwise, these two Discover cards have many similarities, including a $0 annual fee and a long 0% intro APR period on purchases and balance transfers.

Learn more about these cards’ perks and features in the table below.

	Discover it® Cash Back Terms apply, see rates & fees	Discover it® Chrome Gas & Restaurant Card Terms apply, see rates & fees
Finder rating
Finder rating	★★★★★ 4.8 / 5.0	Not rated yet
Best for
Best for	Rotating cash back categories with no annual fee	Gas and dining rewards
Welcome offer
Welcome offer	Discover will match cash back earned at the end of your first card year	Discover will match cash back earned at the end of your first card year
Rewards
Rewards	5% back in rotating categories up to $1,500 combined each activated quarter, then 1% after that and on all other purchases	2% back on gas and dining up to $1,000 combined quarterly, then 1% after that and on all other purchases
Purchase APR
Purchase APR	0% intro APR for 14 months, and then 11.99% to 22.99% variable	0% intro APR for 14 months, and then 11.99% to 22.99% variable
Annual fee
Annual fee	$0	$0
Cash advance
Cash advance	APR: 24.99% variable Fee: $10 or 5% of the transaction, whichever is greater	APR: 24.99% variable Fee: $10 or 5% of the transaction, whichever is greater
Foreign transaction fee
Foreign transaction fee	None	None
Late payment fee
Late payment fee	Up to $40	Up to $40
Additional cardholder fee
Additional cardholder fee	$0	$0
Interest-free period
Interest-free period	25 days	25 days
Minimum interest
Minimum interest	$0.50	$0.50
Minimum credit score
Minimum credit score	670	670
Card type
Card type	Credit	Credit
Learn more
Learn more

Compare Discover it® Cash Back vs. Discover it® Chrome Gas & Restaurant Card

Name	Product	Welcome offer	Rewards	Annual fee	Filter values
Discover it® Cash Back		Discover will match cash back earned at the end of your first card year	5% back in rotating categories up to $1,500 combined each activated quarter, then 1% after that and on all other purchases	$0		Earn 5% back on up to $1,500 in combined purchases in bonus categories every quarter you activate, then 1% thereafter. Earn 1% back on all other purchases.	View details	Compare	loading Fetching your data...
Discover it® Chrome Gas & Restaurant Card		Discover will match cash back earned at the end of your first card year	2% back on gas and dining up to $1,000 combined quarterly, then 1% after that and on all other purchases	$0		Earn 2% cash back on gas and dining on your first $1,000 in combined purchases each quarter. After that earn 1% in these categories and on all other purchases.	View details	Compare	loading Fetching your data...

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Megan Horner

Megan Horner is the credit cards publisher at Finder. She's passionate about helping you find the best credit cards to meet your financial needs — whether that's earning great rewards or improving your credit score. Megan's expertise has been spotlighted on Lifehacker, CreditCards.com, American Banker and featured on news broadcasts across the country.

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Discover it® Cash Back vs. Discover it® Chrome Gas & Restaurant Card

Two solid cashback credit cards with no annual fee.

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Compare Discover it® Cash Back vs. Discover it® Chrome Gas & Restaurant Card

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