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. The 2% gas category excludes stations tied to supermarkets, supercenters and wholesale clubs, and restaurants inside hotels or retail stores, and bakeries, may not qualify for the 2% restaurant rate.
Annual fee
No annual fee
Foreign transaction fee
None
Some links may become affiliate links; today none pay us. Commissions are not solver inputs or ranking criteria; issuer terms, eligibility, channel offers, and your assumptions control the modeled result. Read the affiliate disclosure
Welcome offers change frequently — check the issuer's page for the current offer.
Earn rates
Points or cash back earned per dollar spent. 'x' means points multiplier, '%' means cash back percentage. Portal-only rates require booking through the issuer's travel portal.| Category | Rate |
|---|---|
| Everything else | 1%Base rate |
Category selection rules
Some cards let you pick bonus categories each quarter or year. The optimizer selects the highest-modeled-value categories based on your spending pattern.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 Oct 11, 2026; see the Corrections page for later changes. 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.