Discover it Cash Back vs Fold
Compare the Discover it Cash Back ($0/yr) against the Fold ($0/yr) to see which card earns you more rewards based on your spending.
See how the Discover it Cash Back and Fold 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 | Discover it Cash Back | Fold |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | None | None |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | 1.0% | 3.5% |
| Key Benefits | 5% on rotating quarterly categories (up to $1,500/quarter), 1% on everything else. Cashback Match doubles all cash back in first year. | Up to 3.5% bitcoin back on all purchases. |
| Issuer | Discover | Sutton Bank |
Quick Summary
The Discover it Cash Back has a $0 annual fee (same as Fold).
Fold has a higher base reward rate (3.5% vs 1.0%).
Which Card is Better for Your Spending?
Enter your typical monthly spending to see which card earns you more rewards.
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