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Discover It vs The Platinum Card® from American Express

Compare Rewards, Interest Rates, Fees, and Benefits

American Express is a CreditDonkey partner. We receive compensation if you apply and get approved for a card through links in our content. You do not have to use our links, but you help support CreditDonkey if you do. (read more)

Discover It is an excellent cash back credit card with no annual fee and low interest rate. How does it compare to American Express Platinum, a travel and airline card? Read our comparison chart below.

 Read Discover It ReviewApply Now
 

Discover it® Cash Back

The Platinum Card® from American Express

 

Credit Card Interest Rates & Fees

Introductory APR for Purchases0% introductory APR for 14 monthsN/A
Introductory APR for Balance Transfers0% introductory APR for 14 monthsN/A
Purchase APR11.99% to 22.99% Variable based on your creditworthiness and other factorsSee Pay Over Time APR
Balance Transfers APR11.99% to 22.99% Variable based on your creditworthiness and other factorsN/A
Foreign Transaction FeeNo foreign transaction feeNo foreign transaction fee
Annual Fee$0 annual fee$695 annual fee
 Terms Apply. See Rates & Fees
 

Credit Card Rewards & Benefits

Introductory Bonus Cash BackDiscover will match all the cash back you've earned at the end of your first year (only for new cardmembers). 
Introductory Bonus Offer Earn 100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.
Plus, earn 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during your first 6 months of Card Membership.
Cash Back Rewards1% cash back on all other purchases. 
Bonus Cash Back5% 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.
Bonus Categories for 2022:
January - March 2022: Grocery Stores and Fitness Club & Gym Memberships (Excludes Walmart and Target purchases)
April - June 2022: Gas Stations and Target
July - September 2022: Restaurants and PayPal
October - December 2022: Amazon.com and Digital Wallets (includes Apple Pay, Google Pay, Samsung Pay, and Garmin Pay)
 
Travel Rewards Travel Rewards
Airline Rewards Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year.
Hotel Rewards Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
Point Rewards 1 point for virtually every dollar spent.
Airline Status $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one select qualifying airline.
Complimentary access to 5 airport lounge networks including The Centurion® lounge network, The International American Express lounges, Delta Sky Club® lounges, Priority Pass(TM) Select, and Airspace Lounge. Enrollment required for Priority Pass Select.
Hotel Status $200 Hotel Credit: Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®.
Enroll for complimentary Marriott Bonvoy Gold Elite Status.
Enroll for complimentary Hilton Honors Gold Status.
Airline Transfer Partners Airline transfer partners include Delta, Hawaiian Airlines, Aeromexico, Air Canada, Air France, Emirates, Cathay Pacific (Asia Miles), Virgin Atlantic, Singapore Airlines, Etihad, Alitalia, All Nippon Airways and more.
 

CreditDonkey® Credit Card Reviews

Pros & ConsPros:
  • 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
Pros:
  • Travel benefits
  • 100,000 bonus points after you spend $6,000 in first 6 months
  • Concierge service
Cons:
  • $695 annual fee
Bottom LineExcellent cash back credit card with no annual fee and low interest rate... Read full reviewExcellent card for frequent travelers... Read full review
 Read Discover It ReviewApply Now

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 April 1, 2020 from published websites and is believed to be accurate, but not guaranteed.


Articles on Discover it® Cash Back

Discover It Card Review

With bonus cash back, low interest rate and no annual fee, Discover It is a good card for many. Is it right for you? Read on for the pros and cons.

Articles on The Platinum Card® from American Express

Benefits of Amex Platinum

Are the benefits of the Platinum Card® from American Express worth it? Read this in-depth guide to make the best use of the perks.

American Express Platinum Requirements

The Platinum Card® from American Express average cardholder has a great credit score. But credit requirements may not be as tough as you think. Find out how to improve your odds.

American Express Platinum Credit Score Needed

The Platinum Card® from American Express requires great credit, which usually means 720+. But some can be approved with a lower credit score. Learn what it takes to improve your approval odds.

Compare Discover It to:

Chase Freedom Unlimited

Chase Freedom Unlimited®

Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
0% for 15 months
N/A
14.99% - 24.74% Variable
Annual Fee
$0
Chase Sapphire Preferred

Chase Sapphire Preferred® Card

Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
N/AN/A
15.99% - 22.99% Variable
Annual Fee
$95
Blue Cash Everyday

Blue Cash Everyday® Card from American Express

Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
0% on Purchases for 15 months
N/A
13.99% - 23.99% Variable
Annual Fee
$0

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Compare American Express Platinum to:

American Express Gold

American Express® Gold Card

Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
N/AN/ASee Pay Over Time APR
Annual Fee
$250
Delta Reserve

Delta SkyMiles® Reserve American Express Card

Terms Apply | See Rates & Fees
Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
N/AN/A
15.74% - 24.74% Variable
Annual Fee
$550
Blue Cash Preferred

Blue Cash Preferred® Card from American Express

Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
0% on purchases for 12 months
N/A
13.99% - 23.99% Variable
Annual Fee
$0 introductory for first year, then $95
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About CreditDonkey
CreditDonkey is a credit card comparison website. We publish data-driven analysis to help you save money & make savvy decisions.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

†Advertiser Disclosure: Many of the offers that appear on this site are from companies from which CreditDonkey receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditDonkey does not include all companies or all offers that may be available in the marketplace.

*See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.

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