Cash back · Discover · No annual fee
Last verified 2026-10-26. Review issuer source
Discover it Chrome for Good Credit 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.
No benefits are stored for this catalog entry yet.
| Card | Annual fee | Rewards earned | Net after fee | Rank |
|---|---|---|---|---|
| Discover it Chrome for Good CreditThis card · 2% on dining | None | $306 | +$306 | 533rd of 1,284 |
| Discover it Cash BackDiscover's most-held other card · 5% on dining | None | $438 | +$438 | 442nd of 1,284 |
| Chase Freedom Flex® Credit CardThe strongest no-fee card on this budget · 7% on dining | None | $822 | +$822 | 1st of 1,284 |
| Robinhood Gold CardHighest net return on this budget · 3% on everything | $50 | $798 | +$748 | 2nd of 1,284 |
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.
