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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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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

Rates & Fees

Discover it® Miles Travel Credit Card

Discover it® Miles Travel Credit Card

Rates & Fees

finder.com's rating
finder.com's 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

80,000 points after spending $4,000 in the first 3 months, a value of up to $1,000 through Chase Ultimate Rewards

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

Rewards
Rewards

5x points on Lyft, 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
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Summary of card features

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

  • Signup bonus. Earn 80,000 bonus points when you spend $4,000 in your first 3 months when you open your account. That's $1,000 in value when redeemed for travel purchases via the Chase Ultimate Rewards portal.
  • Earn reward points. Every time you use your card toward travel and dining purchases, you earn 2x points. All other purchases earn 1x points.
  • Point transfer. You can transfer your points in 1:1 ratio with Chase's hotel and airline partners, including British Airways, Air France KLM, Korean Air, Singapore Airlines, Southwest Airlines, United Airlines, Virgin Atlantic, IHG, Marriott and World of Hyatt.

Discover it® Miles Travel Credit Card

Discover it® Miles Travel Credit Card

  • You won't pay an annual fee to own the card.
  • Earn a flat 1.5x miles on your purchases.
  • Discover will match your miles earned at the end of your first year.

The winner: Chase Sapphire Preferred® Card

Between the two cards, the Chase Sapphire Preferred® Card offers the earning power and flexibility to make it the clear pick. While the Chase Sapphire Preferred® Card requires an annual fee, the value you’ll get for using the card far outweighs the cost. With that said, the Discover it isn’t a poor choice if you want a simpler travel card with no annual fee.

Neither card strike your fancy? You have a plethora of travel cards to choose from. Check out your options from other providers to start comparing.

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