Cash back · Discover · No annual fee
Last verified 2026-09-09. Review issuer source
Discover it Chrome Gas & Restaurant is a no-annual-fee cash back card from Discover. Its best everyday rates are 2% on dining, and 2% on gas stations; everything else earns 1%. Dining is capped at $1,000 a quarter, then drops to the base rate. The top rate rotates through categories each quarter and needs activating.
On our reference budget of $24,600 a year it returns about $306, an effective 1.2% back.
It pays off only if you activate every quarter and the categories match how you spend. Skip a quarter and it is a 1% card.
Cap: $1,000 per quarterly
Earn 2% Cashback Bonus® at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically.
Cap: $1,000 per quarterly
Earn 2% Cashback Bonus® at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically.
No welcome bonus is stored for this catalog entry yet.
Earn 2% Cashback Bonus® at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus, earn unlimited 1% cash back on all other purchases.
Discover gives cardmembers a FICO ® Credit score for free on monthly statements, mobile and online.
Get an unlimited dollar-for-dollar match of all the cash back you earn at the end of your first year, automatically. There is no limit to how much we’ll match.
Benefit descriptions are the issuer’s and network’s own wording, trimmed for length. Limits and exclusions are in the guide to benefits.
| Card | Annual fee | Rewards earned | Net after fee | Rank |
|---|---|---|---|---|
| Discover it® Chrome Gas & RestaurantThis card · 2% on dining | None | $306 | +$306 | 532nd of 1,291 |
| Discover it® Cash BackDiscover's most-held other card · 5% on drugstores | None | $462 | +$462 | 300th of 1,291 |
| Savor RewardsThe strongest no-fee card on this budget · 3% on dining | None | $642 | +$642 | 4th of 1,291 |
| Robinhood Gold CardHighest net return on this budget · 3% on everything | $50 | $798 | +$748 | 1st of 1,291 |
Reference budget: groceries $6,000, dining and restaurants $3,600, gas and ev charging $2,400, travel and transit $3,000, online shopping $2,400, entertainment and streaming $1,200, everything else $6,000. Points are valued at 1¢ unless the program is worth less; statement credits, welcome bonuses, and perks are left out. Run it with your own spending.
