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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.

The winner: Chase Sapphire Preferred® Card

100,000-point

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

  • Massive signup bonus worth $1,250 with Chase Ultimate Rewards
  • 1:1 point transfer to partner hotels and airlines
  • Earn up to 5x points
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 Chase’s largest welcome offer ever at 100,000 points, 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

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

★★★★★

4.3 / 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

100,000 points after spending $4,000 in the first 3 months. That's $1,250 when you redeem 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 $40 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

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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
100,000 points after spending $4,000 in the first 3 months. That's $1,250 when you redeem through Chase Ultimate Rewards®
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
$95

Up to $1,250 signup bonus

Earn a massive signup bonus of 100,000 points with this popular travel card. That's worth up to $1,250!
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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