Best Categories for This Card
Dining & Restaurants
2% at gas stations and restaurants on up to $1,000 combined each quarter, then 1%
Gas Stations
2% at gas stations and restaurants on up to $1,000 combined each quarter, then 1%
All Other Purchases
Complete Rewards Breakdown
| Category | Multiplier | Type | Cap | Effective Return |
|---|---|---|---|---|
| Dining & Restaurants | 2x | Ongoing | $1,000 cap | 2.00% |
| Gas Stations | 2x | Ongoing | $1,000 cap | 2.00% |
Everywhere else | 1x | Ongoing | — | 1.00% |
Card details
- Network
- Discover
- Foreign transaction fee
- None
- Credit usually needed
- Building / no credit history
- Good to know
- For college students — no credit score required to apply.
- Last verified
- Oct 12, 2026
What does a “cap” mean?
Some bonuses only apply up to a spending limit — say 6% on the first $6,000 a year at U.S. supermarkets. Past the cap, the card earns its base rate (often 1%). Log your spend in your wallet and our answers switch to your next best card once a cap is used up.
Pairs well with
Cards that add the most on top of this one for typical U.S. spending, after their annual fees. Use your own spending →
Want more details?
Fees, benefits, and current offers change frequently. Visit Discover’s official page for the most up-to-date terms straight from the issuer.
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