Discover it® Cash Back Card
vs. BankAmericard® Credit Card

If you're seeking a credit card with no annual fee and an introductory APR offer, you may be considering the Discover it Cash Back Card and the BankAmericard Credit Card. The Discover it Cash Back Card is better for maximizing rewards, offering 5% cash back in rotating categories and a unique first-year cash back match. In contrast, the BankAmericard Credit Card is the strong choice for those prioritizing a longer 0% APR period on purchases and balance transfers, extending up to 18 billing cycles.

You might prefer the Discover it Cash Back Card if: You're interested in earning rewards on your purchases. This card offers a robust 5% cash back on up to $1,500 in combined quarterly purchases in various categories, which could produce significant savings over time, especially with the unique first-year cash back match. With no annual fee and a 15-month 0% intro APR on purchases and balance transfers, it's a strong contender if you can take advantage of these rotating categories and plan to pay off your balance before the introductory period ends.

You might prefer the BankAmericard Credit Card if: Your primary goal is to save on interest charges during the introductory period. This card offers a longer 0% intro APR for 18 billing cycles on both purchases and balance transfers, which can provide a longer window for paying down debt without accruing interest. Although the card doesn't offer a rewards program, its lack of annual and balance transfer fees after the introductory period makes it a practical choice if you're looking to consolidate debt or finance a large purchase while minimizing extra costs.

The Discover it Cash Back Card is a solid choice for those who value rewards and savings, offering a competitive edge for individuals with good to excellent credit. It's particularly beneficial for those who make the most of the 5% cash back on up to $1,500 in combined quarterly purchases in various rotating categories. Note that you must activate these categories before earning cash back. Additionally, Discover matches all the cash back earned at the end of the first year, which can be a substantial bonus for new cardholders. The card also boasts a 0% intro APR for 15 months on purchases and balance transfers, followed by a variable APR of 17.24% to 28.24%. With no annual fee and no foreign transaction fees, the Discover it Cash Back Card is a cost-effective option for both domestic use and international travel.

The BankAmericard Credit Card, issued by Bank of America, is a solid choice for those seeking a straightforward credit card that focuses on balance transfers and financing new purchases. This card stands out for its introductory offers and satisfaction ratings. It's particularly well-suited for individuals looking to consolidate debt or finance a large purchase upfront without incurring interest for the first 18 billing cycles, thanks to its 0% introductory APR on both purchases and balance transfers. The card also boasts a $0 annual fee, making it a cost-effective option for cardholders who prefer to avoid extra charges. With a recommended credit score range of 670 to 850, it caters to consumers with good to excellent credit. While it doesn't offer rewards, its value lies in its potential to save on interest and fees for those who plan to carry a balance or transfer existing debt.

Our breakdown of the Discover it Cash Back Card and the BankAmericard Credit Card will help you compare APRs, fees, required credit, rewards, introductory offers and other card features. Whether you want a card with a longer 0% APR intro period, focused on rewards or concerned about fees, the comparison will allow you to select a card that meets your financial goals and needs.