Card economics
Discover it Chrome
Capital One Travel rewards for Discover cards are not modeled yet because account migration is occurring in waves and eligibility depends on the account having migrated.
Annual fee
No annual fee
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Welcome offers change frequently — check the issuer's page for the current offer.
Earn rates
| Category | Rate |
|---|---|
| Everything else | 1%Base rate |
Category selection rules
2% on gas/EV & dining combined
Automatic bonus categories
Categories in the same issuer-defined group use one selection.
Gas stations (excluding Costco Gas) + EV Charging
Dining + Fast Food
Cap: $1,000/quarter | Non-selected categories earn 1%
The optimizer selects the highest-modeled-value categories based on your spending.
Catalog record last reviewed Aug 2, 2026. Issuer terms and available offers control and may change.
Next step
One card is a start. The modeled setup is the whole wallet.
The Discover it Chrome might be useful on its own, but the modeled combination depends on your total spending. The optimizer searches eligible portfolios and clearly labels whether the result was proven optimal within that run's inputs or is the strongest valid setup found before timeout.
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