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CardCurator — Rewards Intelligence
Card Comparison

Chase Sapphire Preferred vs Discover it Cash Back

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

Chase Sapphire Preferred card art
Chase Ultimate Rewards
Chase Sapphire Preferred
Chase
More Info
Discover it Cash Back card art
Discover Miles
Discover it Cash Back
Discover
More Info
Annual Fee
$95/yr
No annual fee
Foreign Fees
None
None
Signup Bonus
75,000 points
Spend $5,000 in 3 months
$100 credit
Top Earn Rates
  • Chase Travel 5x
  • Dining 3x
  • Streaming 3x
  • Rotating Quarterly Categories 5x
  • All Other Purchases 1x
Reward Type
miles
cashback
Key Credits
  • hotel stays purchased through Chase Travel. $50
  • DoorDash Credit $10
None
Card Perks
  • DoorDash Dashpass (~$100/yr)
None listed
Transfer Partners
  • Virgin Atlantic Flying Club
  • Aer Lingus AerClub
  • Air Canada Aeroplan
  • British Airways Executive Club
  • Flying Blue
  • +9 more
Cash back only
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Common Questions: Chase Sapphire Preferred vs Discover it Cash Back

Is the Chase Sapphire Preferred or Discover it Cash Back better for dining?

Chase Sapphire Preferred earns 3x on dining; Discover it Cash Back has no dining bonus.

Which has the higher signup bonus in 2026?

Chase Sapphire Preferred currently offers 75,000 pts signup bonus (spend $5,000 in 3 months). Discover it Cash Back offers $2 signup bonus. Chase Sapphire Preferred 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 Chase Sapphire Preferred 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. Chase Sapphire Preferred is from Chase and Discover it Cash Back is from Discover, so they're governed by separate bank policies.