Discover IT Chrome Card Calculator

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.
Updated 2019-09-21 By Robert Flowers III

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!

Quick Details
Issuing Bank
Card Network
Rewards Earned
Annual Fee
Authorized User Fee
Foreign Transaction Fee

Bonus Categories

The Discover IT Chrome Card features two bonus categories that earn extra cash back which are gas and restaurant purchases. Both categories have a combined quarterly cap of $1,500. Once this cap is hit, you will earn cash back at the non-category rate (1%) for the remainder of the quarter.

  • 2% Gas Station
    • $1,500 combined cap shared with restaurant category.
  • 2% Restaurant
    • $1,500 combined cap share with gas station category.
  • 1% Non-Category

Perks & Benefits

The Discover IT Chrome Card features the popular Discover Cashback Match benefit and Discover Deals.

  • Discover Cashback Match
    • Discover will match your first 12 months of cash back, dollar-for-dollar.
    • Benefit gives you a total 4% return on gas and grocery and 2% return on non-category the first year.
    • Matched cash back is given to you at the end of your first year.
    • Example: You earn $200 in cash back your first year, Discover will give you an additional $200 at the end of your first year with the card.
  • Discover Deals
    • Access to deals/coupons that can earn you additional cash back and money off of everyday purchases.

Sign Up Bonus

The sign up bonus for the Discover IT Chrome Card, 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.


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 internationally and not get penalized.

Rewards Calculator

You can use the 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 the value of the rewards earned and how much each benefit is worth to you, minus the annual fees. You can click the Compare A Card button to compare this card side by side any other card featured on the site within the same calculator.

Note! All category spend entered in the primary card's column (first column when comparing cards) will carry over to all credit card calculators on the site. This means you will not have to re-enter the same information again and again when browsing during the session.

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 other rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
Edit Card Options
Compare A Card
Family Cards
These cards are part of the same family.
Similar Cards
These are similar cards based on earning structure and other benefits (that aren't part of the same family).
Search Cards
Search for credit cards by name, rewards program, or rewards currency.
Search Results Display Here
Category Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value, +/- Categories to add and remove categories from the list, and Options to copy spend between columns and clear all spend.
Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
Type at least 3 characters.
Currently Selected:
Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
Total Earnings
The sum of all rewards earned from Category Spending and Reward Bonuses, along with the cash value of it all based on Currency Worth.
From Spending
From Bonuses
From Loyalty
Cash Value
Cash value of Total Earnings based on Currency Worth.

Rakuten Rewards

$25 Bonus
Earn $25 or 2,500 Membership Rewards Points when you sign up for a Rakuten Rewards account and make a $25+ purchase. Rakuten and other cash back portals allows you to easily double and triple dip on rewards. I recommend using portals when booking travel or shopping online. You can sign up through The Point Calculator referral link to help out the site.
Sign Up For Free | Rakuten Review
Monetary Bonuses & Fees
Cash bonuses, annual fees, authorized user fees, and any other listed fees.
Monetary Bonuses
Annual Fee
Auth User Fee
Cash Bonuses
Annual Fee
Auth User 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 based on spend, benefits, and fees.
Total Return
The percent you are earning based on spend, earnings, and fees.

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