Blue Cash Preferred vs Discover It
Blue Cash Preferred is an excellent cash back credit card for families. How does it compare to Discover It, a cash back card? Read our comparison chart below.
Keep in mind, the Blue Cash Preferred has a $0 intro annual fee for the first year, then $95, while the Discover It has a
Blue Cash Preferred® Card from American Express | Discover it® Cash Back | |
|---|---|---|
Credit Card Interest Rates & Fees | ||
| Introductory APR for Purchases | 0% introductory APR on purchases for 12 months | 0% introductory APR for 15 months |
| Introductory APR for Balance Transfers | 0% introductory APR on balance transfers for 12 months | 0% introductory APR for 15 months |
| Purchase APR | 18.24% to 29.24% Variable based on your creditworthiness and other factors | 18.24% to 27.24% Variable based on your creditworthiness and other factors |
| Balance Transfers APR | 18.24% to 29.24% Variable based on your creditworthiness and other factors | 18.24% to 27.24% Variable based on your creditworthiness and other factors |
| Foreign Transaction Fee | 2.7% of each transaction after conversion to US dollars. | No foreign transaction fee |
| Annual Fee | $0 intro annual fee for the first year, then $95 | |
Credit Card Rewards & Benefits | ||
| Introductory Bonus Cash Back | Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months. | Discover will match all the cash back you've earned at the end of your first year (only for new cardmembers). |
| Cash Back Rewards | 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 6% Cash Back on select U.S. streaming subscriptions. 3% Cash Back at U.S. gas stations. 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more). 1% Cash Back on other purchases. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. | 1% cash back on all other purchases. |
| Bonus Cash Back | 5% cash back on up to $1,500 in purchases in rotating categories that change each quarter (requires free and easy sign-up for 5% Cashback Bonus)* Limitations apply*. See issuer's website for additional program details. | |
| Gas Rewards | 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more). Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. | |
| Grocery Rewards | 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. | |
CreditDonkey® Credit Card Reviews | ||
| Pros & Cons | Pros:
| Pros:
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| Bottom Line | Excellent cash back credit card for families... | Excellent cash back credit card with no annual fee and low interest rate... |
| Read Blue Cash Preferred Review | Read Discover It Review | |
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the issuer's website for details. Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. Disclaimer: The information for the Blue Cash Preferred® Card from American Express and Discover it® Cash Back has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer. Blue Cash Preferred: Pricing information including interest rates, benefits and fees was obtained on December 19, 2024 from published websites and is believed to be accurate, but not guaranteed. Discover It: Pricing information including interest rates, rewards, benefits and fees was obtained on January 11, 2025 from published websites and is believed to be accurate, but not guaranteed. | ||
Which is Better: Blue Cash Preferred or Discover It?
Still need help deciding which cash back credit card is better? Read the in-depth reviews below. You may also be interested in comparing Blue Cash Preferred or Chase Freedom Unlimited.
Articles on Blue Cash Preferred® Card from American Express
Blue Cash Preferred Review
Which Do You Like and Why?
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