Discover IT Chrome Card | Review & Cash Back Calculator

Discover IT Chrome Card

Card Review & Discover Cash Back Calculator
2% Restaurant
2% Gas Stations
Discover Cashback Match

Review the benefits of the Discover IT Chrome Card, calculate how much cash back you can earn based on your spend, and compare results to top credit cards.


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The Discover IT Chrome card works well for anyone looking to earn a double cash back on both gas and restaurant purchases that does not want to pay an annual fee. The cash back is easy to understand the redemptions are straightforward and simple. On top of that, as with other Discover Cards, the first year's earning are doubled meaning you'll earn 4% cash back per $1 spent until your anniversary date. Combine this card with the Discover IT Card's rotating 5% categories and you can generate some pretty good cash back throughout the year!

Bonus Categories

The Discover IT Chrome Card features two bonus categories: gas stations and restaurants. These categories have a combined quarterly cap of $1,500. Once that cap has been hit, both gas station and restaurant purchases will earn 1% cash back for the remainder of that quarter. There is no limit to the amount of cash back you can earn spending on the Discover IT Card. Unlike the Discover IT Card, the categories on this card does not rotate.

2% Gas Station

The Discover IT Chrome Card earns 2% cash back per $1 spent when used at gas stations. This will apply to merchants whose primary business is to sell gasoline which will include places such as Hess, BP, Speedway, and Mobil. While this is a great rate of 4% the first year due to the double cash back, the normal rate of 2% from the second year onward can be beat by several no annual fee cards. This includes the Ducks Unlimited Visa and PNC Cash Rewards Card (4% cash back) amongst many other great gas cards.

2% Restaurant

Using the Discover IT Chrome Card for restaurant purchases will result in 2% cash back per $1 spent. This applies to both fast food and fine dining establishments. As with the gas station category, the initial 4% cash back earnings are great the first year, but once the second year rolls around you'll earn the normal 2% and that can also be beat by several cards. Both the Barclay Uber Card (4% cash back) and PNC Cash Rewards Card (3% cash back) provides a higher return without an annual fee!

1% Non-Category

Purchases on the Discover IT Chrome Card outside of the categories listed above will result in earning 1% cash back. While the first year will receive double cash, any spend after the anniversary date will have room for improvement. If you're looking to earn double cash, the Citi Double Cash Card can assist with that. You can also pick up any 1.5% cash back card such as the Chase Freedom Unlimited or the AMEX Cash Magnet Card.

Perks and Benefits

Discover Cashback Match

Discover IT Chrome cardholders will have their first year of earnings matched by Discover dollar-for-dollar. This is automatic process that will happen after the first year of having the card, so there's no need to sign up for anything. So if you're able to hit the $1,500 bonus spend cap each quarter, you would earn $120 ($30 per quarter * 4 quarters * $0.02 Cash Back). Discover would match that amount and you would earn a total of $240 in the first year of having the card. That would give you a total return of of 4% across both categories which isn't hard to do with other great cash back credit cards.

Discover Deals

The Discover It Chrome Card offers access to Discover Deals which allows you to get cash back and money off everyday purchases. It's similar to Amex Offers in which you can log in and select a deal/coupon you want to use. You can then checkout using your Discover card to activate and redeem the deal/coupon.

Sign Up Bonus

The sign up bonus for the Discover IT Chrome Card, as well as all other Discover Cards, is a full year of matched cash back. This means any cash back you earn during the year will be doubled and deposited into your Discover Cash Rewards balance. That makes the Discover IT Chrome a 4% cash back card for both gas and restaurant purchases that earns 2% on non-category purchases it's first year. So if you end up maxing each quarters spend cap of $1,500, you'll end up with at least $240 in cash back.

Credit Card Fees

Fees
Annual Fee
Authorized User Fee
Foreign Transaction Fee

Annual Fee

There is no annual fee for the Discover IT Chrome Card. You will always earn a positive return using the card without having to worry about spending to break even with an annual fee.

Authorized User Fee

There is no fee for adding authorized users to the Discover IT Chrome Card. If you have family or friends that shop in the restaurant and gas categories, I recommend adding them to maximize cash back!

Foreign Transaction Fee

The Discover IT Chrome card has a 0% foreign transaction fee. This means you can use the Discover card outside of the United States and not get penalized.

and Card Value Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.

All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any another rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
Compare A Card
Select a card from the list below to compare it side by side against this card. You can search by card name (e.g. chase sapphire reserve, uber visa) or by rewards program (e.g. thankyou points, membership rewards points).
Currency Worth
This is the cash value of points and miles used in these calculations. You can click on the amount to change the value or you can select View Rewards As to calculate your rewards when transferred to partners.
View Rewards As...
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0 Cent(s)
View Rewards As...
This section allows you to view your rewards as if you transferred them to a partner. Select a transfer partner below and the calculator will alter the calculator to reflect the transfer ratio and the reward currency of the receiving program. This only applies to the currency of the selected card. Not all programs have transfer partners. I also do not have the cash value of points and miles for all transfer partners.
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Edit Value
Enter the cash value of these rewards in cents per point/mile. You can enter the value as X.XX cents or 0.0XXX cents. The maximum value allowed is 15 cents ($0.15) and the minimal value is 0.1 cents ($0.001).
Loyalty/Rewards Programs
Covers hotel loyalty status, status with bank rewards programs, and few others. These are added automatically based on card selection, but can be manually added as well.
/ Loyalty Programs
Add/Remove Loyalty Programs
Select which loyalty programs you want to include in the calculations. You will be able to select your status with the program and it will calculate additional points/bonuses based on what you enter in the calculator.
Loyalty Programs
Other Bonuses
All card card specific bonuses will be listed here. These are added automatically based on the selected card(s).
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value. You can use +/- Categories to add and remove categories from the list and Options to copy spend between columns and clear all spend.
/ Categories
Options
Add/Remove Categories
Select which categories you want to appear in this calculator. You can search categories by typing in a keyword below. De-selecting categories will remove them from this calculator. Categories are changed once you hit 'Update'.
Currently Selected:
Deselect All
Clear Spend
This will clear the spend in all of the categories in both columns. This will also clear all saved values.
Copy Spend
Copy Right will take the spend from the left column and copy it to the right column. Copy Left will take the spend from the right column and copy it to the left column. The spend amount ($) and unit of time (month, day, quarter) will be copied over.
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Reward Bonuses
This section holds sign up bonuses, loyalty bonuses, and bonus bonuses. Most bonuses here will be listed automatically based on certain criteria. You can click 'Extra Bonus' if you wish to enter your own bonus amount.
Extra Bonus
Any additional bonuses you wish to add such as a sign up bonus or point bonus for adding authorized users
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Total Earnings
Sum of all rewards above this line.
Cash Value of Earnings
Based off of currency worth.
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Calculator Continues Below
Monetary Bonuses/Perks
This is a list of cash perks and bonuses associated with the selected card(s). Some perks will be listed here automatically. You can click on 'Perk Bonus' if you want to add additional value for the card.
Perk Bonus
Enter how much you value any unmentioned perks this card offers.
$0
Annual Fees
This section contains the annual fee and authorized user fee (if applicable) to hold on to the listed card(s).
$0
Edit Fees
Edit the annual fee and authorized user fee of the Card (if applicable).
Annual Fee: -
Auth Fee: -
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card when everything is taken into account.
$0
Total Return
The percent you are earning per dollar spent on this card.
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Page Last Updated: 2019-09-21
Written By: Robert Flowers III

Editorial Note: All opinions expressed on this site are my own and not those of any bank, rental car company, credit card issuer, hotel company, or any entity mentioned herein. Opinions, calculators, and other editorial content on this page have not been approved or endorsed by any entities on this site. You can read our Private Policy to learn more.

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About These Calculators: These calculators are provided to help you estimate the value of points, miles, and cash back you can earn with various rewards programs and using reward earning credit cards. These calculators are meant to provide an estimate of rewards earned and are not meant to reflect the exact amount of points you may receive. Be sure to read the terms and conditions of any credit card before you apply as benefit and perk changes may not be reflected immediately on this website.


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