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CardCurator — Rewards Intelligence
Card Comparison

Discover it Cash Back vs Southwest Plus

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
Southwest Plus card art
Southwest Rapid Rewards
Southwest Plus
Chase
More Info
Annual Fee
No annual fee
$99/yr
Foreign Fees
None
None
Signup Bonus
See issuer
85,000 points
Spend $3,000 in 3 months
Top Earn Rates
  • Rotating Quarterly Categories 5x
  • All Other Purchases 1x
  • Southwest Purchases 2x
  • Gas Stations and Grocery Stores 2x
  • All Other Purchases 1x
Reward Type
cashback
miles
Key Credits
None
None
Transfer Partners
Cash back only
No transfer partners
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Common Questions: Discover it Cash Back vs Southwest Plus

Is the Discover it Cash Back or Southwest Plus 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. Southwest Plus offers 85,000 pts signup bonus (spend $3,000 in 3 months). Southwest 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 Discover it Cash Back and the Southwest Plus?

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 Southwest Plus is from Chase, so they're governed by separate bank policies.