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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.

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 points on travel through Chase Ultimate Rewards, 3x points on dining and 2x points on all other travel 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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