Which card earns more rewards, the Discover it Cash Back or Marriott Bonvoy Bold Credit Card?

The Marriott Bonvoy Bold Credit Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.

Should I get the Discover it Cash Back or the Marriott Bonvoy Bold Credit Card?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Which card earns more rewards, the Discover it Cash Back or Marriott Bonvoy Bold Credit Card?

The Marriott Bonvoy Bold Credit Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.

Should I get the Discover it Cash Back or the Marriott Bonvoy Bold Credit Card?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Which card earns more rewards, the Discover it Cash Back or Marriott Bonvoy Bold Credit Card?

The Marriott Bonvoy Bold Credit Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.

Should I get the Discover it Cash Back or the Marriott Bonvoy Bold Credit Card?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Discover it Cash Back vs Marriott Bonvoy Bold Credit Card

Both cards cost $0/yr. The Discover it Cash Back is better for rotating quarterly, while the Marriott Bonvoy Bold Credit Card wins on marriott hotels. Here's how they compare.

Discover it Cash Back

Discover

Marriott Bonvoy Bold Credit Card

Chase

Fees & Welcome Offer

Annual Fee

Welcome Bonus

150 cash

2 Hotel

Earn Rates

Category	Discover it Cash Back	Marriott Bonvoy Bold Credit Card
Marriott Hotels	1X	14X
Rotating Quarterly	5X	1X
Food Delivery	1X	2X
Grocery Stores	1X	2X
Rideshare	1X	2X
Streaming Internet Cable Phone	1X

Benefits & Features

Network

DISCOVER

VISA

Key Benefits

None

Pros & Cons

Pros

+Cashback Match doubles ALL rewards earned in first year - unlimited
+5% cash back on rotating quarterly categories (up to $1,500 spend/quarter)
+No annual fee ever
+No foreign transaction fees (rare for no-AF cards)
+0% intro APR for 15 months on purchases and balance transfers

+No annual fee makes it risk-free to hold long-term
+Automatic Silver Elite status with 10% bonus on stays and priority late checkout
+5 Elite Night Credits annually toward status qualification
+No foreign transaction fees
+2x earning on everyday categories (groceries, streaming, rideshare, food delivery)

Cons

−Discover network has lower acceptance than Visa/Mastercard, especially internationally
Must activate 5% categories each quarter or earn only 1%

Category-by-Category Winner

The Marriott Bonvoy Bold Credit Card wins in 5 of 6 categories. The Discover it Cash Back leads in 1.

Rotating Quarterly

Discover it Cash Back earns 5X vs 1X

Marriott Hotels

Marriott Bonvoy Bold Credit Card earns 14X vs 1X

Grocery Stores

Marriott Bonvoy Bold Credit Card earns 2X vs 1X

Streaming Internet Cable Phone

Marriott Bonvoy Bold Credit Card earns 2X vs 1X

Rideshare

Marriott Bonvoy Bold Credit Card earns 2X vs 1X

Food Delivery

Marriott Bonvoy Bold Credit Card earns 2X vs 1X

Which Card Is Right for You?

Get the Marriott Bonvoy Bold Credit Card if you:

+Do most of your spending at grocery stores

Frequently Asked Questions

Which card earns more rewards, the Discover it Cash Back or Marriott Bonvoy Bold Credit Card?: The Marriott Bonvoy Bold Credit Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
Should I get the Discover it Cash Back or the Marriott Bonvoy Bold Credit Card?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Related Comparisons

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Explore More

Discover it Cash Back — Full Review All Discover Cards

Marriott Bonvoy Bold Credit Card — Full Review All Chase Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Discover cards · Chase cards

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 Marriott Bonvoy Bold Credit Card

Both cards cost $0/yr. The Discover it Cash Back is better for rotating quarterly, while the Marriott Bonvoy Bold Credit Card wins on marriott hotels. Here's how they compare.

Discover it Cash Back

Discover

Marriott Bonvoy Bold Credit Card

Chase

Fees & Welcome Offer

Annual Fee

Welcome Bonus

150 cash

2 Hotel

Earn Rates

Category	Discover it Cash Back	Marriott Bonvoy Bold Credit Card
Marriott Hotels	1X	14X
Rotating Quarterly	5X	1X
Food Delivery	1X	2X
Grocery Stores	1X	2X
Rideshare	1X	2X
Streaming Internet Cable Phone	1X

Benefits & Features

Network

DISCOVER

VISA

Key Benefits

None

Pros & Cons

Pros

+Cashback Match doubles ALL rewards earned in first year - unlimited
+5% cash back on rotating quarterly categories (up to $1,500 spend/quarter)
+No annual fee ever
+No foreign transaction fees (rare for no-AF cards)
+0% intro APR for 15 months on purchases and balance transfers

+No annual fee makes it risk-free to hold long-term
+Automatic Silver Elite status with 10% bonus on stays and priority late checkout
+5 Elite Night Credits annually toward status qualification
+No foreign transaction fees
+2x earning on everyday categories (groceries, streaming, rideshare, food delivery)

Cons

−Discover network has lower acceptance than Visa/Mastercard, especially internationally
Must activate 5% categories each quarter or earn only 1%

Category-by-Category Winner

The Marriott Bonvoy Bold Credit Card wins in 5 of 6 categories. The Discover it Cash Back leads in 1.

Rotating Quarterly

Discover it Cash Back earns 5X vs 1X

Marriott Hotels

Marriott Bonvoy Bold Credit Card earns 14X vs 1X

Grocery Stores

Marriott Bonvoy Bold Credit Card earns 2X vs 1X

Streaming Internet Cable Phone

Marriott Bonvoy Bold Credit Card earns 2X vs 1X

Rideshare

Marriott Bonvoy Bold Credit Card earns 2X vs 1X

Food Delivery

Marriott Bonvoy Bold Credit Card earns 2X vs 1X

Which Card Is Right for You?

Get the Marriott Bonvoy Bold Credit Card if you:

+Do most of your spending at grocery stores

Frequently Asked Questions

Which card earns more rewards, the Discover it Cash Back or Marriott Bonvoy Bold Credit Card?: The Marriott Bonvoy Bold Credit Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
Should I get the Discover it Cash Back or the Marriott Bonvoy Bold Credit Card?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Related Comparisons

Explore More

Discover it Cash Back — Full Review All Discover Cards

Marriott Bonvoy Bold Credit Card — Full Review All Chase Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Discover cards · Chase cards

Discover it Cash Back vs Marriott Bonvoy Bold Credit Card

Both cards cost $0/yr. The Discover it Cash Back is better for rotating quarterly, while the Marriott Bonvoy Bold Credit Card wins on marriott hotels. Here's how they compare.

Discover it Cash Back

Discover

Marriott Bonvoy Bold Credit Card

Chase

Fees & Welcome Offer

Annual Fee

Welcome Bonus

150 cash

2 Hotel

Earn Rates

Category	Discover it Cash Back	Marriott Bonvoy Bold Credit Card
Marriott Hotels	1X	14X
Rotating Quarterly	5X	1X
Food Delivery	1X	2X
Grocery Stores	1X	2X
Rideshare	1X	2X
Streaming Internet Cable Phone	1X

Benefits & Features

Network

DISCOVER

VISA

Key Benefits

None

Pros & Cons

Pros

+Cashback Match doubles ALL rewards earned in first year - unlimited
+5% cash back on rotating quarterly categories (up to $1,500 spend/quarter)
+No annual fee ever
+No foreign transaction fees (rare for no-AF cards)
+0% intro APR for 15 months on purchases and balance transfers

+No annual fee makes it risk-free to hold long-term
+Automatic Silver Elite status with 10% bonus on stays and priority late checkout
+5 Elite Night Credits annually toward status qualification
+No foreign transaction fees
+2x earning on everyday categories (groceries, streaming, rideshare, food delivery)

Cons

−Discover network has lower acceptance than Visa/Mastercard, especially internationally
Must activate 5% categories each quarter or earn only 1%

Category-by-Category Winner

The Marriott Bonvoy Bold Credit Card wins in 5 of 6 categories. The Discover it Cash Back leads in 1.

Rotating Quarterly

Discover it Cash Back earns 5X vs 1X

Marriott Hotels

Marriott Bonvoy Bold Credit Card earns 14X vs 1X

Grocery Stores

Marriott Bonvoy Bold Credit Card earns 2X vs 1X

Streaming Internet Cable Phone

Marriott Bonvoy Bold Credit Card earns 2X vs 1X

Rideshare

Marriott Bonvoy Bold Credit Card earns 2X vs 1X

Food Delivery

Marriott Bonvoy Bold Credit Card earns 2X vs 1X

Which Card Is Right for You?

Get the Marriott Bonvoy Bold Credit Card if you:

+Do most of your spending at grocery stores

Frequently Asked Questions

Which card earns more rewards, the Discover it Cash Back or Marriott Bonvoy Bold Credit Card?: The Marriott Bonvoy Bold Credit Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
Should I get the Discover it Cash Back or the Marriott Bonvoy Bold Credit Card?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Related Comparisons

Explore More

Discover it Cash Back — Full Review All Discover Cards

Marriott Bonvoy Bold Credit Card — Full Review All Chase Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Discover cards · Chase cards