Discover it® Miles
vs. Discover it® Cash Back Card

If you're looking for a rewards card with no annual fee and a generous introductory offer, you may be considering the Discover it Miles and the Discover it Cash Back Card. The Discover it Cash Back Card is better for maximizing rewards in rotating categories, offering 5% cash back on up to $1,500 in combined quarterly purchases and 1% on all other purchases.

In contrast, the Discover it Miles card is ideal for straightforward earning, with an unlimited 1.5x miles on every dollar spent. Both cards match the rewards you earn at the end of your first year, but your spending habits will dictate which card offers you more value.

You might prefer the Discover it Cash Back Card if: You're a strategic spender who enjoys maximizing rewards by keeping up with rotating bonus categories. With the Discover it Cash Back Card, you can earn 5% cash back on up to $1,500 in combined purchases in categories that change every quarter, such as gas stations, grocery stores and restaurants, upon activation. Additionally, the card offers a generous first-year cash back match, effectively doubling the rewards you earn in your first year.

You might prefer the Discover it Miles if: You value simplicity and consistent rewards across all purchases. The Discover it Miles card offers a flat reward rate of 1.5x miles on every dollar spent, without the need to track rotating categories or sign up for quarterly bonuses. This card is ideal for individuals who prefer a straightforward approach to earning rewards and would benefit from the flexibility of redeeming miles for travel purchases or as cash back.

The Discover it® Miles card is a great balance transfer card, catering to individuals with a credit score ranging from 670 to 850. This card is a solid choice for those who prefer a straightforward rewards program without an annual fee. Cardholders automatically earn 1.5x miles on every dollar spent, which can be redeemed for travel, cash back or gift cards.

A notable feature is the introductory offer, where new cardmembers receive a mile-for-mile match at the end of their first year, effectively doubling the miles earned. With an APR range from 17.24% to 28.24% variable, it's also a competitive option for those planning to carry a balance or make a balance transfer, thanks to the 0% introductory APR for 15 months on purchases and balance transfers. However, it's important to note that there are no bonus categories or travel perks, which may limit the card's appeal for some users.

The Discover it® Cash Back Card has a great balance transfer offer and rewarding cash back program. This card is particularly beneficial for those who prefer earning cash back on everyday purchases without paying an annual fee.

The card offers 5% cash back on up to $1,500 in combined quarterly purchases in bonus categories and automatically matches all the cash back you've earned at the end of your first year. With an expected reward value of $300.92, it caters to individuals with good to excellent credit scores ranging from 670 to 850.

Additionally, cardholders can take advantage of the 0% intro APR for 15 months on purchases and balance transfers, making it a smart choice for managing existing debt or financing new purchases. However, it's important to note that the bonus categories rotate quarterly, which requires some management to maximize rewards.

Our breakdown will help you compare APRs, fees, required credit, rewards and other features to guide your decision. For example, if you frequently travel, the Discover it® Miles card with 1.5x miles on all purchases might be more beneficial. Conversely, if your spending aligns with the Discover it® Cash Back card's rotating categories, you could earn more with 5% cash back. Use this section to match your financial habits with the card that offers the most value.