Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +Industry-leading 18-month 0% intro APR on balance transfers
• +6-month 0% intro APR on purchases
• +No annual fee
• +Cashback Match doubles all cash back earned in the first year
• +No late payment fee on first occurrence

• +No annual fee
• +Simple 1.5x miles on all purchases with no category tracking
• +Miles Match doubles all miles earned in the first year (effectively 3x)
• +Flexible redemption - miles can be redeemed for any travel purchase
• +No foreign transaction fees

Cons

• −Only 1% cash back on all purchases (lower than category cards)
• −3% balance transfer fee applies
• −Discover network has more limited merchant acceptance than Visa/Mastercard
• −No bonus categories for elevated earning
• −Variable APR of 17.49%-26.49% after intro period ends

• −Discover network has more limited merchant acceptance than Visa/Mastercard
• −Miles are worth 1 cent each - no transfer partners for outsized value
• −No travel protections like trip delay insurance or lost luggage coverage
• −No airport lounge access or TSA PreCheck credit
• −After first year, 1.5x is lower than premium travel cards offer

Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +Industry-leading 18-month 0% intro APR on balance transfers
• +6-month 0% intro APR on purchases
• +No annual fee
• +Cashback Match doubles all cash back earned in the first year
• +No late payment fee on first occurrence

• +No annual fee
• +Simple 1.5x miles on all purchases with no category tracking
• +Miles Match doubles all miles earned in the first year (effectively 3x)
• +Flexible redemption - miles can be redeemed for any travel purchase
• +No foreign transaction fees

Cons

• −Only 1% cash back on all purchases (lower than category cards)
• −3% balance transfer fee applies
• −Discover network has more limited merchant acceptance than Visa/Mastercard
• −No bonus categories for elevated earning
• −Variable APR of 17.49%-26.49% after intro period ends

• −Discover network has more limited merchant acceptance than Visa/Mastercard
• −Miles are worth 1 cent each - no transfer partners for outsized value
• −No travel protections like trip delay insurance or lost luggage coverage
• −No airport lounge access or TSA PreCheck credit
• −After first year, 1.5x is lower than premium travel cards offer

Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +Industry-leading 18-month 0% intro APR on balance transfers
• +6-month 0% intro APR on purchases
• +No annual fee
• +Cashback Match doubles all cash back earned in the first year
• +No late payment fee on first occurrence

• +No annual fee
• +Simple 1.5x miles on all purchases with no category tracking
• +Miles Match doubles all miles earned in the first year (effectively 3x)
• +Flexible redemption - miles can be redeemed for any travel purchase
• +No foreign transaction fees

Cons

• −Only 1% cash back on all purchases (lower than category cards)
• −3% balance transfer fee applies
• −Discover network has more limited merchant acceptance than Visa/Mastercard
• −No bonus categories for elevated earning
• −Variable APR of 17.49%-26.49% after intro period ends

• −Discover network has more limited merchant acceptance than Visa/Mastercard
• −Miles are worth 1 cent each - no transfer partners for outsized value
• −No travel protections like trip delay insurance or lost luggage coverage
• −No airport lounge access or TSA PreCheck credit
• −After first year, 1.5x is lower than premium travel cards offer