bp rewards Visa® vs Discover it® Chrome
Side-by-side comparison
| bp rewards Visa® | Discover it® Chrome | |
|---|---|---|
| Annual fee | No annual fee | No annual fee |
| Welcome offer | 50¢/gal off fuel at bp & Amoco for 60 days (intro), then 15¢/gal | Cashback Match, all cash back earned in year 1 doubled |
| Dining | 3x | 2x |
| Groceries | 3x | 1x |
| Gas | 1x | 2x |
| Travel | 1x | 1x |
| Streaming | 1x | 1x |
| Everything else | 1x | 1x |
| Est. yearly rewards* | $472 | $343 |
| Points type | Cash back only | Cash back only |
| Network | Visa | Discover |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified August 2026. See your own numbers in the calculator.
Welcome bonus and value over time
| Over time | bp rewards Visa® | Discover it® Chrome |
|---|---|---|
| Welcome bonus | 50¢/gal off fuel at bp & Amoco for 60 days (intro), then 15¢/gal | Cashback Match, all cash back earned in year 1 doubled |
| To earn it | No minimum spend | No minimum |
| Est. first-year value* | $472 | $343 |
| Est. ongoing value / yr* | $472 | $343 |
The bp rewards Visa® wins on both fronts: it comes out ahead in year one on the welcome offer and stays ahead every year after. Short term or long, it is the stronger pick on the numbers.
*First-year value counts the welcome bonus, estimated rewards, and annual credits, minus the annual fee; ongoing value is a typical year after. Every point at a flat 1 cent.
Perks, credits, and redemptions
| Perks | bp rewards Visa® | Discover it® Chrome |
|---|---|---|
| Lounge access | None | None |
| Annual credits | None | None |
| Points & redemptions | Cash back only | Cash back only |
The two are closely matched on perks and redemptions, so the welcome offer and everyday earning above are what should decide it.
Transfer partners and point value
Neither card earns transferable points, so redemptions are cash-back or fixed portal value on both, roughly a cent per point. There is no airline or hotel transfer angle to separate them.
The verdict
On a typical year of household spending, the bp rewards Visa® earns about $472 a year in rewards and the Discover it® Chrome about $343, valuing every point at a flat 1 cent. The bp rewards Visa® has no annual fee, so its rewards are all profit. The Discover it® Chrome has no annual fee, so its rewards are all profit. Counting rewards and any credits, the bp rewards Visa® delivers more total value, about $128 a year more for a typical spender, mostly because it earns more where you spend most, on groceries and dining. Neither leans on transferable points, so the deciding factors are the welcome offer, the card network, and which everyday perks you will actually use.
Pick the bp rewards Visa® if your spending leans toward dining, groceries. Pick the Discover it® Chrome if your spending leans toward gas.