Discover It vs Chase Sapphire Preferred® Card
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Discover It is an excellent cash back credit card with no annual fee and low interest rate. How does it compare to Chase Sapphire Preferred, a travel, airline, points and restaurant card? Read our comparison chart below.
| Read Discover It Review |  | |
Discover it® Cash Back | Chase Sapphire Preferred® Card | |
|---|---|---|
Credit Card Interest Rates & Fees | ||
| Introductory APR for Purchases | 0% introductory APR for 15 months | N/A |
| Introductory APR for Balance Transfers | 0% introductory APR for 15 months | N/A |
| Purchase APR | 18.24% to 27.24% Variable based on your creditworthiness and other factors | 19.99% to 28.24% Variable based on your creditworthiness and other factors |
| Balance Transfers APR | 18.24% to 27.24% Variable based on your creditworthiness and other factors | 19.99% to 28.24% Variable based on your creditworthiness and other factors |
| Foreign Transaction Fee | No foreign transaction fee | $0 |
| Annual Fee | ||
| Terms Apply. | ||
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 100,000 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, $50 Annual Chase Travel Hotel Credit, plus more. | |
| Airline Rewards | 1:1 point transfer to leading airline and hotel loyalty programs | |
| Bonus Hotel Rewards | $50 Annual Chase Travel Hotel Credit | |
| 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, $50 Annual Chase Travel Hotel Credit, plus more. | |
| 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:
| Pros:
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| Bottom Line | Excellent cash back credit card with no annual fee and low interest rate... | High-earning rewards card for those with excellent credit... |
| 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. For rates and fees of the Chase Sapphire Preferred® Card, please click here. 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 January 11, 2025 from published websites and is believed to be accurate, but not guaranteed. | ||
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For rates and fees of the Chase Freedom Unlimited® card, please click here.
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For rates and fees of the Chase Sapphire Reserve® card, please click here.
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