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

Two solid cashback credit cards with no annual fee.

Megan Horner
Megan Horner

Updated

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

Discover it® Cash Back

Rates & Fees

Discover it® Chrome Gas & Restaurant Card

Discover it® Chrome Gas & Restaurant Card

Rates & Fees
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finder.com's rating

★★★★★

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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

Summary of card features

Discover it® Cash Back

Discover it® Cash Back

  • No annual fee
  • Excellent rewards in rotating categories
  • Solid intro APR on purchases and balance transfers
  • Cashback Match on all rewards earned during the first card year

Discover it® Chrome Gas & Restaurant Card

Discover it® Chrome Gas & Restaurant Card

  • Earn 2% cash back in popular categories.
  • Earn 1% cash back on all other purchases.
  • Get an unlimited dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
  • Redeem your rewards for cash in any amount.

Compare Discover credit cards

Name Product Filter values Rewards Purchase APR Annual fee
Discover it® Cash Back
Discover it® Cash Back
5% back in rotating categories up to $1,500 combined each activated quarter, then 1% after that and on all other purchases
0% intro for the first 14 months (then 11.99% to 22.99% variable)
$0
View details
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.
Discover it® Miles Travel Credit Card
Discover it® Miles Travel Credit Card
1.5x miles on all purchases
0% intro for the first 14 months (then 11.99% to 22.99% variable)
$0
View details
Earn unlimited 1.5x miles on all purchases - from airfare and hotels to groceries and online shopping.
Discover it® Chrome Gas & Restaurant Card
Discover it® Chrome Gas & Restaurant Card
2% back on gas and dining up to $1,000 combined quarterly, then 1% after that and on all other purchases
0% intro for the first 14 months (then 11.99% to 22.99% variable)
$0
View details
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.
Discover it® Secured
Discover it® Secured
2% back on gas and dining up to $1,000 combined each activated quarter, then 1% after that and on all other purchases
22.99% variable
$0
View details
2% cashback at restaurants or gas stations on up to $1,000 in combined purchases each quarter. Plus 1% cash back on all other credit card purchases.
Discover it® Chrome for Students
Discover it® Chrome for Students
2% back on gas and dining up to $1,000 combined each activated quarter, then 1% after that and on all other purchases
0% intro for the first 6 months (then 12.99% to 21.99% variable)
$0
View details
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.
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