Chase Sapphire Reserve® vs Discover It

Compare Rewards, Interest Rates, Fees, and Benefits

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Chase Sapphire Reserve is an ultra premium credit card for luxury travelers. How does it compare to Discover It, a cash back card? Read our comparison chart below.

Keep in mind, the Chase Sapphire Reserve has a $550 annual fee, while the Discover It has a $0 annual fee.

	Chase Sapphire Reserve®	Discover it® Cash Back
		Read Discover It Review
	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	21.74% to 28.74% Variable based on your creditworthiness and other factors	18.49% to 27.49% Variable based on your creditworthiness and other factors
Balance Transfers APR	21.74% to 28.74% Variable based on your creditworthiness and other factors	18.49% to 27.49% Variable based on your creditworthiness and other factors
Foreign Transaction Fee	$0	No foreign transaction fee
Annual Fee	$550 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 60,000 bonus points after you spend $4,000 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	Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases. 1:1 point transfer to leading airline and hotel loyalty programs
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	Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
Airline Status	$300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year. Complimentary Priority Pass™ Select membership for access to 1,300+ airport lounges worldwide. One-time enrollment required for Priority Pass Select
Dining Rewards	3x points on dining at restaurants
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: Bonus points Annual travel credit Elite travel benefits Cons: $550 annual fee No introductory 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	Ultra premium credit card for luxury travelers... Read full review	Excellent cash back credit card with no annual fee and low interest rate... Read full review
		Read Discover It Review
See issuer's website for details including terms and conditions. While reasonable effort has been made to maintain accurate and updated information, the information shown on this site may vary, be out of date, or not applicable to you. All information is provided without warranty. When you click on the Apply Now button, you can review the terms and conditions on the issuer's website. 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 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. Discover It: Pricing information including interest rates, rewards, benefits and fees was obtained on December 3, 2024 from published websites and is believed to be accurate, but not guaranteed.

Articles on Chase Sapphire Reserve®

Chase Sapphire Reserve

With excellent rewards and premium travel benefits, the Chase Sapphire Reserve® is meant for frequent travelers. Read on to decide if the $550 annual fee is worth it for you.

Chase Sapphire Reserve Credit Score

You usually need an excellent credit score for Chase Sapphire Reserve® (720+). But this is not the only factor. Here's how to improve your approval odds.

Chase Sapphire Reserve Lounge Access

Airport lounge access is one of the best benefit of Chase Sapphire Reserve®. Learn how to maximize this perk including what lounges you can enter, how to use it, and the guest policy.

Chase Sapphire Reserve Credit Limit

Many Chase Sapphire Reserve® users receive a credit limit of $10,000 - $25,000. Find out how Chase determines your credit limit and how to get an increase.