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CardCurator — Rewards Intelligence
Card Comparison

Discover it Cash Back vs Platinum

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

Discover it Cash Back card art
Discover Miles
Discover it Cash Back
Discover
More Info
Platinum card art
Navy Federal Credit Union
Platinum
Navy Federal Credit Union
More Info
Annual Fee
No annual fee
No annual fee
Foreign Fees
None
None
Signup Bonus
See issuer
None
Top Earn Rates
  • Rotating Quarterly Categories 5x
  • All Other Purchases 1x
  • All Purchases 1x
Reward Type
cashback
credit building
Key Credits
None
None
Transfer Partners
Cash back only
No transfer partners
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Common Questions: Discover it Cash Back vs Platinum

Is the Discover it Cash Back or Platinum 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?

Discover it Cash Back currently offers $200 signup bonus. Platinum offers no current bonus. Discover it Cash Back 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 Discover it Cash Back and the Platinum?

In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Discover it Cash Back is from Discover and Platinum is from Navy Federal Credit Union, so they're governed by separate bank policies.