Card Comparison
American Express Gold Card vs Discover it Cash Back
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
Annual Fee
$325/yr
No annual fee
Foreign Fees
None
None
Signup Bonus
90,000 points
Spend $6,000 in 6 months
See issuer
Top Earn Rates
- Restaurants (Worldwide) 4x
- U.S. Supermarkets 4x
- Flights (Direct or Amex Travel) 3x
- Rotating Quarterly Categories 5x
- All Other Purchases 1x
Reward Type
miles
cashback
Key Credits
- Uber Cash $10
- Dining Credit $10
- Resy Credit $100
- +1 more
None
Card Perks
- The Hotel Collection Access
- Baggage Insurance Plan
- Trip Delay Insurance
None listed
Transfer Partners
- Flying Blue
- Delta SkyMiles
- True Blue
- Qatar Avios
- Virgin Atlantic Flying Club
- +13 more
Cash back only
Common Questions: American Express Gold Card vs Discover it Cash Back
Is the American Express Gold Card or Discover it Cash Back better for dining?
American Express Gold Card earns 4x on dining; Discover it Cash Back has no dining bonus.
Which has the higher signup bonus in 2026?
American Express Gold Card currently offers 90,000 pts signup bonus (spend $6,000 in 6 months). Discover it Cash Back offers $200 signup bonus. American Express Gold Card has the larger bonus.
Which card is better for international travel?
Both cards charge no foreign transaction fees, making either a solid choice for international travel.
Can I hold both the American Express Gold Card and the Discover it Cash Back?
In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. American Express Gold Card is from American Express and Discover it Cash Back is from Discover, so they're governed by separate bank policies.