Discover It Vs Discover It Miles

discover it miles, discover it cash back,

1. Discover it cash back is good for everyday use and to maximise rewards if you dont mind to track rotating categories.

Discover it miles is good for domestic travellers who like flat rate card without annual fee.

The main difference between the two cards is how you will earn rewards. Discover it miles offer 1.5x miles on every purchase. Discover it cash back offers 5% cash back up to $1500 in purchase in rotating categories.

Both cards comes with no annual fee and no foreign transaction fee.

2. Pros:

Discover It:

Discover It Miles:

5% reward rate in rotating categories

1.5X miles on every purchase

0% Intro apr on purchases and balance transfer

0% intro apr on purchases

No foreign transaction fee

No foreign transaction fee

No annual fee

No annual fee

Discover will match all the cash back you’ve earned at the end of your first year

Discover will match all the cash back you’ve earned at the end of your first year

Low Fee

Low Fee

Free Fico Score

Reward redemption value is equal for travel or cash back

3. Cons:

Discover It Cash Back

Discover It Miles

Slightly less accepted in us

No traditional sign up bonus

Acceptance outside us is issue.

No bonus categories

Little Travel Protections

Potentially high regular apr

Few Purchase Protection Benefits

No airline or hotel transfer partner



5% cash back is limited to $1,500 in purchases

Not widely accepted outside the U.S.

Enrollment required

 

4. 

 

Discover It Cash Back:

Discover It Miles:

Reward Rate

5% cash back on up to $1,500 in purchases in rotating categories that change each quarter.(Activation required)

Earn 1% cash back on all other purchases

1.5 miles per dollar (worth 1.5 % Cash Back) on general purchases.

Sign Up Bonus:

Discover will match all the Miles you’ve earned at the end of your first year, automatically.

Discover will match all the Miles you’ve earned at the end of your first year, automatically.

Annual Fee:

$0

$0

Intro Apr

0% introductory APR for 14 months for purchase and balance transfer

0% on Purchases for 14 months. 

10.99% on Balance Transfers for 14 months

Regular Apr

14.24% – 25.24% Variable

14.24% – 25.24% Variable APR

Foreign Transaction Fee

None

None

Balance Transfer Fee

3% intro balance transfer fee, up to 5% fee on future balance transfers

3% intro Balance transfer fee, After that 5%

Other Benefits:

Free FICO credit score

Account freezes

No fee for first late payment

No foreign transaction fee

No late fee on your first payment

No penalty APR

free FICO credit score

Price protection

Free social security number alerts

Balance Transfer Apr:

13.49% to 24.49% Variable

13.49% to 24.49% Variable

Discover It Cash Back Review With Pro And Cons

Discover It Miles Credit Card Review

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12 Difference Between Capital One Venture One And Discover It Miles

Difference Between Discover It Miles And Bank Of America Travel Rewards Credit Card

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