Best Credit Cards for Groceries

Discover it® Chrome Gas & Restaurant Credit Card Review: Fuel Your Journey with Rewards

Discover Chrome Card: 2% back on gas and dining, no annual fee.

Rickie C. Keys, Ph.D., MPH

Apr 19, 2024 — 1 min read

Features

Cashback Rates:
- 2% at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter.
- 1% on all other purchases.
Annual Fee: $0
Intro APR: 0% for 15 months on purchases and balance transfers, then 17.24% to 28.24% variable APR.

Benefits

Cashback Match: Unlimited dollar-for-dollar match of all the cash back you earn at the end of your first year.
Flexible Redemption Options: Rewards can be redeemed at any time for cash back, gift cards, or purchases on Amazon.com.
No Foreign Transaction Fees: Ideal for international use without extra charges.
Nationwide Acceptance: Accepted by 99% of places that take credit cards.

Drawbacks

Quarterly Cap: 2% cash back rate applies only up to $1,000 in combined purchases each quarter.
Higher APR After Intro Period: Could be costly if balances are carried month to month post-intro period.

Product Summary

The Discover it® Chrome Gas & Restaurant Credit Card is an excellent choice for those who spend frequently on gas and dining, offering 2% cash back on these categories up to a quarterly maximum. It's particularly appealing for its introductory 0% APR on purchases and balance transfers and its absence of an annual fee. The card's reward matching at the end of the first year can significantly increase the cash back you earn, effectively doubling your rewards for that year. This card suits everyday drivers and diners who enjoy simplicity in their rewards and savings on every purchase.

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