Skip to main content
CardCurator — Rewards Intelligence
Card Comparison

Discover it Cash Back vs Visa Signature® Flagship Rewards

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
Visa Signature® Flagship Rewards card art
Navy Federal Credit Union
Visa Signature® Flagship Rewards
Navy Federal Credit Union
More Info
Annual Fee
No annual fee
$49/yr
Foreign Fees
None
None
Signup Bonus
See issuer
35,000 points
Spend $3,500 in 3 months
Top Earn Rates
  • Rotating Quarterly Categories 5x
  • All Other Purchases 1x
  • Travel 3x
  • All Other Purchases 2x
Reward Type
cashback
cashback
Key Credits
None
  • Amazon Prime $139
  • Global Entry/TSA PreCheck Credit $120
Open full comparison tool Compare more cards

Common Questions: Discover it Cash Back vs Visa Signature® Flagship Rewards

Is the Discover it Cash Back or Visa Signature® Flagship Rewards 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. Visa Signature® Flagship Rewards offers 35,000 pts signup bonus (spend $3,500 in 3 months). Visa Signature® Flagship Rewards 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 Visa Signature® Flagship Rewards?

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 Visa Signature® Flagship Rewards is from Navy Federal Credit Union, so they're governed by separate bank policies.