Discover it® Miles
vs. BankAmericard® Credit Card

If you're seeking a credit card with no annual fee and introductory APR offers, you may be considering the Discover it Miles and BankAmericard Credit Card. Discover it Miles is the better card for those who want to earn rewards, offering 1.5x miles on every dollar spent and a unique mile-for-mile match in the first year. In contrast, BankAmericard is a more straightforward card, best for individuals who prefer a no-frills credit option and can benefit from its lower APR range after the introductory period.

You might prefer the Discover it Miles if: You want to maximize your spending with travel rewards. This card automatically earns you an unlimited 1.5x miles for every dollar spent on all purchases. The Discover Match intro offer will match all the miles you've earned at the end of your first year. This card is particularly advantageous if you have a good to excellent credit score within the 670 to 850 range. You can also enjoy the flexibility of earning rewards without specific bonus categories to track. Its effective reward rate rating of 3.6 suggests a solid return on your spending, especially if you're a frequent traveler or looking to accumulate miles for future trips.

You might prefer the BankAmericard Credit Card if: Your primary goal is to minimize interest on existing debt or new purchases with a lengthy introductory APR period. This card offers a 0% intro APR for the first 18 billing cycles for purchases and balance transfers, which can provide substantial savings if you're planning a large purchase or looking to consolidate and pay down debt. While it doesn't offer rewards on spending, it's a strong contender for those who value a longer period to pay off balances without accruing interest. Like the Discover it Miles, this card suits individuals with good to excellent credit scores. It also has a $0 annual fee, making it a cost-effective option for managing your finances.

The Discover it Miles card is effective in managing existing credit card debt while also earning travel miles. This card is particularly well-suited for individuals seeking to earn travel rewards without the burden of an annual fee. Cardholders automatically earn unlimited 1.5x miles on every purchase, making it a straightforward option for everyday spending. A standout feature is the first-year mile-for-mile match, which doubles the miles new cardmembers earn at the end of their first year. With no foreign transaction fees and a forgiving approach to the first late payment, the Discover it Miles card is a competitive choice for domestic and international use.

The BankAmericard Credit Card, issued by Bank of America, scores high on MoneyGeek's list of balance transfer credit cards, reflecting its strength in this area. With no annual fee and a 0% APR on purchases and balance transfers for the first 18 billing cycles, this card is tailored for individuals looking to manage existing debt or finance new purchases without incurring interest immediately. However, it's important to consider balance transfer fees and foreign transaction fees that may apply. This card is particularly well-suited for those with a good to excellent credit score, ranging from 670 to 850, who are seeking a straightforward credit card with beneficial introductory offers.

Our breakdown will help compare APRs, fees, required credit, rewards, introductory offers and other features, enabling you to weigh factors like the length of introductory APR periods and potential rewards earnings.