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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 PreferredĀ® Card comes with a $95 annual fee, 2x points on travel and dining purchases and a generous welcome offer, while the Discover itĀ® 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.
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
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
Steven Dashiell is a credit cards writer at Finder. He's worked on 250 Finder articles and counting, helping readers embrace and maximize credit cards. Backed by nearly a decade of research and reporting experience, Steve's work can be seen on Debt.com, CreditCards.com and Lifehacker.
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