Editorial disclosure: CardRewards.ai is an independent comparison service. Our analysis is based on publicly available card data and is reviewed regularly by our editorial team. Card issuers do not influence our rankings or content. Last updated: May 2026.
Discover it Cash Back vs Discover it® Miles (2026)
Discover it Cash Back vs Discover it® Miles
Both cards cost $0/yr. The Discover it Cash Back is better for rotating quarterly, while the Discover it® Miles wins on everyday spending. Here's how they compare.
Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.
Discover it Cash Back vs Discover it® Miles
Both cards cost $0/yr. The Discover it Cash Back is better for rotating quarterly, while the Discover it® Miles wins on everyday spending. Here's how they compare.
Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.
Discover it Cash Back vs Discover it® Miles
Both cards cost $0/yr. The Discover it Cash Back is better for rotating quarterly, while the Discover it® Miles wins on everyday spending. Here's how they compare.
Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.
−$1,500 quarterly cap on 5% categories limits high spenders
−After year one, effective earn rate drops significantly
−Base rate of 1% on non-bonus spending is below flat-rate alternatives
−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
−$1,500 quarterly cap on 5% categories limits high spenders
−After year one, effective earn rate drops significantly
−Base rate of 1% on non-bonus spending is below flat-rate alternatives
−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
−$1,500 quarterly cap on 5% categories limits high spenders
−After year one, effective earn rate drops significantly
−Base rate of 1% on non-bonus spending is below flat-rate alternatives
−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
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