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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.

Steven Dashiell

Updated Jul 16, 2020. What changed?

Fact checked

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

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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 See rates & fees	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
Learn more	Read review

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

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.	Apply now View details	Compare	loading Fetching your data...
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.	View details	Compare	loading Fetching your data...

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Steven Dashiell

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