Chase Sapphire Preferred vs. Discover it Miles | finder.com

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Chase Sapphire Preferred® Card vs. Discover it® Miles Travel Credit Card

Two excellent travel cards, though for different levels of enthusiasts.

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The winner: Chase Sapphire Preferred® Card

60,000-point

Signup bonus after spending $4,000 in first 3 months

  • Signup bonus worth $750 with Chase Ultimate Rewards
  • 1:1 point transfer to partner hotels and airlines
  • Up to $50 statement credit towards groceries
Apply now
These two are excellent travel credit cards, but they differ in a few important ways. Perhaps the largest difference is the reward structure. The Chase Sapphire Preferred® Card comes with a $95 annual fee, 2x points on travel and dining purchases and a generous welcome offer, while the Discover it® Miles Travel Credit Card has a $0 annual fee, 1.5x miles on all purchases and a long 0% intro APR period on purchases, which the Chase card lacks.

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

See rates & fees

Discover it® Miles Travel Credit Card

Discover it® Miles Travel Credit Card

See rates & fees

Finder rating
Finder rating

★★★★★

4.3 / 5.0

★★★★★

3.7 / 5.0
Best for
Best for
  • Travel rewards and a great signup bonus
  • Earning miles with no annual fee
Welcome offer
Welcome offer

60,000 points after spending $4,000 in the first 3 months, a value of up to $750 through Chase Ultimate Rewards. Plus up to $50 statement credit towards groceries.

Discover will match miles earned at the end of your first card year

Rewards
Rewards

5x points on Lyft, 2x points on up to $1,000 on groceries until April 30, 2021, 2x points on travel and dining and 1x points on all other purchases

1.5x miles on all purchases

Purchase APR
Purchase APR

15.99% to 22.99% variable

0% intro APR for 14 months, and then 11.99% to 22.99% variable

Annual fee
Annual fee $95 $0
Balance transfer APR
Balance transfer APR 15.99% to 22.99% variable

10.99% intro APR for 14 months, then 11.99% to 22.99% variable

Cash advance
Cash advance

APR: 24.99% variable

Fee: $10 or 5% of the transaction, whichever is greater

APR: 24.99% variable

Fee: $10 or 5% of the transaction, whichever is greater

Foreign transaction fee
Foreign transaction fee None None
Late payment fee
Late payment fee Up to $39 Up to $40
Additional cardholder fee
Additional cardholder fee $0 $0
Interest-free period
Interest-free period 21 days 25 days
Minimum interest
Minimum interest $0 $0.50
Minimum credit score
Minimum credit score 670 670
Card type
Card type Credit Credit
Learn more
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Compare Chase Sapphire Preferred® Card vs. Discover it® Miles Travel Credit Card

Data updated regularly
Name Product Welcome offer Rewards Annual fee Filter values
Chase Sapphire Preferred® Card
60,000 points after spending $4,000 in the first 3 months, a value of up to $750 through Chase Ultimate Rewards. Plus up to $50 statement credit towards groceries.
5x points on Lyft, 2x points on up to $1,000 on groceries until April 30, 2021, 2x points on travel and dining and 1x points on all other purchases
$95
Earn a signup bonus worth $750 plus up to $50 statement credit towards groceries with this popular travel card.
Discover it® Miles Travel Credit Card
Discover will match miles earned at the end of your first card year
1.5x miles on all purchases
$0
Earn unlimited 1.5x miles on all purchases - from airfare and hotels to groceries and online shopping.
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