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Discover Discover it Cash Back vs Discover it Chrome

Both are Discover cards. Here is every spend category, ranked by what each card actually returns.

Best card by category Card terms as of Oct 29

Everything else

  1. Discover it Cash Back 1.0% 1% base rate
  2. Discover it Chrome 1.0% 1% base rate

Dining

  1. Discover it Cash Back 5.0% 5%, rotating this quarter
  2. Discover it Chrome 2.0% 2%

Gas

  1. Discover it Chrome 2.0% 2%
  2. Discover it Cash Back 1.0% 1% base rate

Entertainment

  1. Discover it Cash Back 5.0% 5%, rotating this quarter
  2. Discover it Chrome 1.0% 1% base rate

Utilities

  1. Discover it Cash Back 5.0% 5%, rotating this quarter
  2. Discover it Chrome 1.0% 1% base rate

What the numbers are doing

Discover it Cash Back wins dining, entertainment and utilities at 5% only because the rotating calendar is on them this quarter. The quarter ends December 31, 2026; after it the card earns 1% there, and no later quarter in the published calendar brings it back.

Where they differ: Discover it Cash Back takes dining, entertainment and utilities; Discover it Chrome takes gas.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseDiscover it Cash Back1.0%
DiningDiscover it Cash Back5.0%
GasDiscover it Chrome2.0%
EntertainmentDiscover it Cash Back5.0%
UtilitiesDiscover it Cash Back5.0%

Content preview. Apple Wallet controls the layout; visible categories vary by device. Categories that rank the same as Everything else are left off; every other category is in pass details.

Every category, every card

Everything else

  1. Discover it Cash Back — 1.0%
  2. Discover it Chrome — 1.0%

Dining

  1. Discover it Cash Back — 5.0%
  2. Discover it Chrome — 2.0%

Gas

  1. Discover it Chrome — 2.0%
  2. Discover it Cash Back — 1.0%

Entertainment

  1. Discover it Cash Back — 5.0%
  2. Discover it Chrome — 1.0%

Utilities

  1. Discover it Cash Back — 5.0%
  2. Discover it Chrome — 1.0%
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