< path d="M52.6178 31.3114L44.7476 60.6733L74.1095 68.5435L81.9797 39.1816L52.6178 31.3114Z" fill="#F9C32D"/>

Finder makes money from featured partners, but editorial opinions are our own. Advertiser Disclosure

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

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

Avatar
Steven Dashiell
Updated . What changed?
Fact checked
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, 5x points on travel through Chase Ultimate Rewards, 3x points on dining and 2x points on all other travel and a signup bonus of nb:value niche_code=”USCCF” record_type=”PRODUCT” record_id=”4540873a-b2e2-44db-8b1b-4cd796f4b750″ field=”REWARDS.BONUS_POINTS” decorator=”GLOBAL.VALUE.NUMBER”] points. 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

Terms apply, see rates & fees

Discover it® Miles Travel Credit Card

Discover it® Miles Travel Credit Card

Terms apply, see rates & fees
Finder rating
Finder rating

★★★★★

4.6 / 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

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

5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel

1.5x miles on all purchases
Purchase APR
Purchase APR

16.74% to 23.74% variable

0% intro APR for 14 months, and then 12.24% to 23.24% variable

Annual fee
Annual fee $95 $0
Balance transfer APR
Balance transfer APR 16.74% to 23.74% variable

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

APR: 25.74% variable

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

APR: 25.24% 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 $40 Up to $41
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
Learn more

Read review

More guides on Finder

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and finder.com Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site