Chase Sapphire Preferred Card vs Discover it Cash Back
Compare the Chase Sapphire Preferred Card ($95/yr) against the Discover it Cash Back ($0/yr) to see which card earns you more rewards based on your spending.
See how the Chase Sapphire Preferred Card and Discover it Cash Back stack up across annual fees, reward rates, and key benefits. Use the calculator below to find which card maximizes your rewards based on your actual spending.
| Feature | Chase Sapphire Preferred Card | Discover it Cash Back |
|---|---|---|
| Annual Fee | $95 | $0 |
| Sign-Up Bonus | 75,000 points after $5,000 spend in 3 months | None |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | 1.0% | 1.0% |
| Travel Rewards | 5% | 1.0% |
| Dining Rewards | 3% | 1.0% |
| Grocery Rewards | 3% | 1.0% |
| Key Benefits | 5x points on travel through Chase Travel, 3x on dining and online groceries, 2x on other travel. | 5% on rotating quarterly categories (up to $1,500/quarter), 1% on everything else. Cashback Match doubles all cash back in first year. |
| Issuer | Chase | Discover |
Quick Summary
The Chase Sapphire Preferred Card has a $95 annual fee ($95/year more than Discover it Cash Back).
Both cards have the same base reward rate (1.0%).
Which Card is Better for Your Spending?
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