Discover it® Chrome Gas & Restaurants Credit Card: annual fee, APR and rewards

Fact sheet for the Discover it® Chrome Gas & Restaurants Credit Card, issued by Discover (Capital One), with no annual fee, an intro APR offer and cash back. Every detail below comes from the issuer’s pricing and terms pages, checked on the date shown at the end of the page.

Issuer	Discover (Capital One)
Network	Discover
Annual fee	$0
Rewards	Cashback: Earn 2% cash back 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.
Purchase APR	17.74% to 26.74% variable APR after that
Intro APR	0% intro APR for 15 months on purchases and balance transfers
Balance transfer fee	Introductory fee of 3% of the amount of each transferred balance that posts to your account during the first 15 months that your account is open. After that, 5% of the amount of each transferred balance that posts to your account at a promotional APR that we may offer you at any other time.
Sign-up bonus	Unlimited Cashback Match: 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.
Foreign transaction fee	None
Credit level	Excellent

What new cardholders actually got

In the CFPB's Terms of Credit Card Plans survey for July to December 2025, new accounts on this card got a median purchase APR of 26.99%, with a range of 17.99% to 26.99%. The advertised range above is what the issuer offers today; the survey shows where approved applicants landed.

Source: Consumer Financial Protection Bureau, Terms of Credit Card Plans survey.