Chase Sapphire Preferred vs Discover It

Compare Rewards, Interest Rates, Fees, and Benefits

Chase Sapphire Preferred is a high-earning rewards card for those with excellent credit. How does it compare to Discover It, a cash back card? Read our comparison chart below.

Keep in mind, the Chase Sapphire Preferred has a $95 annual fee, while the Discover It has a $0 annual fee.

	Chase Sapphire Preferred® Card	Discover it® Cash Back
	Credit Card Interest Rates & Fees
Introductory APR for Purchases	N/A	0% introductory APR for 15 months
Introductory APR for Balance Transfers	N/A	0% introductory APR for 15 months
Purchase APR	19.99% to 28.24% Variable based on your creditworthiness and other factors	18.24% to 27.24% Variable based on your creditworthiness and other factors
Balance Transfers APR	19.99% to 28.24% Variable based on your creditworthiness and other factors	18.24% to 27.24% Variable based on your creditworthiness and other factors
Foreign Transaction Fee	$0	No foreign transaction fee
Annual Fee	$95 annual fee	$0 annual fee
	Credit Card Rewards & Benefits
Introductory Bonus Cash Back		Discover will match all the cash back you've earned at the end of your first year (only for new cardmembers).
Introductory Bonus Offer	Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
Cash Back Rewards		1% cash back on all other purchases.
Bonus Cash Back		5% cash back on up to $1,500 in purchases in rotating categories that change each quarter (requires free and easy sign-up for 5% Cashback Bonus)* Limitations apply*. See issuer's website for additional program details.
Travel Rewards	Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases
Airline Rewards	1:1 point transfer to leading airline and hotel loyalty programs
Hotel Rewards	1:1 point transfer to leading airline and hotel loyalty programs
Point Rewards	Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases
Dining Rewards	3X points on dining
Airline Transfer Partners	Chase airline transfer partners include United Airlines, Southwest Airlines, JetBlue, British Airways, Air Canada, Air France, Singapore Airlines, Virgin Atlantic, Iberia, Emirates, and Aer Lingus.
	CreditDonkey® Credit Card Reviews
Pros & Cons	Pros: Generous bonus points Flexible travel rewards Travel, purchase and security protection $0 Foreign Transaction Fee Cons: $95 annual fee No intro APR	Pros: 5% bonus rotating categories Intro APR on purchases and balance transfers No foreign transaction fee No annual fee Cons: Some merchants don't accept Discover
Bottom Line	High-earning rewards card for those with excellent credit... Read full review	Excellent cash back credit card with no annual fee and low interest rate... Read full review
	Read Chase Sapphire Preferred Review	Read Discover It Review
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the issuer's website for details. Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. Disclaimer: The information for the Chase Sapphire Preferred® Card and Discover it® Cash Back has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer. Chase Sapphire Preferred: Pricing information including interest rates, benefits and fees was obtained on August 28, 2025 from published websites and is believed to be accurate, but not guaranteed. Discover It: Pricing information including interest rates, rewards, benefits and fees was obtained on January 11, 2025 from published websites and is believed to be accurate, but not guaranteed.

Articles on Chase Sapphire Preferred® Card

Is Chase Sapphire Preferred Worth It

Travel credit cards are a smart way to earn flights and hotel stays. Our favorite is the Chase Sapphire Preferred® Card because of its bonus point offer and premium travel benefits. Read on to see if the annual fee is worth it for you.