Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
Both cards cost $0/yr. The Discover it Cash Back leads on rotating quarterly; the Marriott Bonvoy Bold Credit Card on grocery stores.
Card data as of September 27, 2026.
Annual Fee
Welcome Bonus
| Category | Discover it Cash Back | Marriott Bonvoy Bold Credit Card |
|---|---|---|
| Rotating Quarterly | 5X | 1X |
| Cable Tv |
The Marriott Bonvoy Bold Credit Card wins in 6 of 6 categories. The Discover it Cash Back leads in 0. 1 more category depend on booking channel or caps.
Rotating Quarterly
Depends: up to $1,500/quarter; Must activate each quarter
Discover it Cash Back earns 5X when conditions are met; Marriott Bonvoy Bold Credit Card earns 1X (1X without restrictions)
Grocery Stores
Marriott Bonvoy Bold Credit Card earns 2X vs 1X
Streaming
Marriott Bonvoy Bold Credit Card earns 2X vs 1X
Telecom
Marriott Bonvoy Bold Credit Card earns 2X vs 1X
Cable Tv
Marriott Bonvoy Bold Credit Card earns 2X vs 1X
Ridesharing
Marriott Bonvoy Bold Credit Card earns 2X vs 1X
Food Delivery
Marriott Bonvoy Bold Credit Card earns 2X vs 1X
Modeled net value (bonus categories at unconditional rates, caps applied). Spend mix: dining 15%, groceries 15%, gas 10%, travel 10%, everything else 50%. Statement credits use the same recurring usable estimates as each card's detail page; first-year-only credits count in year one only. Welcome offers valued at each card's program rate shown on this page.
Modeled value is close across spend levels — especially once statement credits are counted.
| 2X |
| Food Delivery | 1X | 2X |
| Grocery Stores | 1X | 2X |
| Ridesharing | 1X | 2X |
| Streaming | 1X | 2X |
| Telecom | 1X | 2X |
| Everything Else | 1X | 1X |
Network
Key Benefits
Pros
Cons
Modeled value is close across spend levels — especially once statement credits are counted.
| Scenario | Discover it Cash Back | Marriott Bonvoy Bold Credit Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $120 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $120 Year one: $120 | Rewards: $97 Credits (our usable estimate): $23 − Annual fee ($0) Ongoing: $120 Year one: $435 | Close — depends on how much of the credits you use | Marriott Bonvoy Bold Credit Card |
| Heavy spender: $4,000/month | Rewards: $480 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $480 Year one: $480 | Rewards: $386 Credits (our usable estimate): $23 − Annual fee ($0) Ongoing: $409 Year one: $724 | Discover it Cash Back | Marriott Bonvoy Bold Credit Card |
Get the Marriott Bonvoy Bold Credit Card if you:
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
