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CardCurator — Rewards Intelligence
Card Comparison

cashRewards Plus vs Discover it Cash Back

Side-by-side comparison of fees, rewards, benefits, and transfer partners.

cashRewards Plus card art
Navy Federal Credit Union
cashRewards Plus
Navy Federal Credit Union
More Info
Discover it Cash Back card art
Discover Miles
Discover it Cash Back
Discover
More Info
Annual Fee
No annual fee
No annual fee
Foreign Fees
None
None
Signup Bonus
25,000 points
Spend $2,500 in 3 months
See issuer
Top Earn Rates
  • All Purchases 2x
  • Rotating Quarterly Categories 5x
  • All Other Purchases 1x
Reward Type
cashback
cashback
Key Credits
None
None
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Common Questions: cashRewards Plus vs Discover it Cash Back

Is the cashRewards Plus or Discover it Cash Back better for dining?

Neither card offers a specific dining bonus — both earn their base rate on restaurant purchases.

Which has the higher signup bonus in 2026?

cashRewards Plus currently offers 25,000 pts signup bonus (spend $2,500 in 3 months). Discover it Cash Back offers $200 signup bonus. cashRewards Plus 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 cashRewards Plus 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. cashRewards Plus is from Navy Federal Credit Union and Discover it Cash Back is from Discover, so they're governed by separate bank policies.