Discover It vs The Platinum Card® from American Express

Compare Rewards, Interest Rates, Fees, and Benefits

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Discover It is an excellent cash back credit card with no annual fee and low interest rate. How does it compare to American Express Platinum, a travel and airline card? Read our comparison chart below.

	Discover it® Cash Back	The Platinum Card® from American Express
	Read Discover It Review
	Credit Card Interest Rates & Fees
Introductory APR for Purchases	0% introductory APR for 15 months	N/A
Introductory APR for Balance Transfers	0% introductory APR for 15 months	N/A
Purchase APR	18.49% to 27.49% Variable based on your creditworthiness and other factors	See Pay Over Time APR See Rates & Fees
Balance Transfers APR	18.49% to 27.49% Variable based on your creditworthiness and other factors	N/A
Foreign Transaction Fee	No foreign transaction fee	No foreign transaction fee
Annual Fee	$0 annual fee	$695 annual fee
		Terms Apply. See Rates & Fees
	Credit Card Rewards & Benefits
Introductory Bonus Cash Back	Discover will match all the cash back you've earned at the end of your first year (only for new cardmembers).
Introductory Bonus Offer		Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
Cash Back Rewards	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.
Travel Rewards		Travel Rewards
Airline Rewards		Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year.
Hotel Rewards		Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
Point Rewards		1 point for virtually every dollar spent.
Airline Status		$200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®. Enrollment required Complimentary access to 5 airport lounge networks including The Centurion® lounge network, The International American Express lounges, Delta Sky Club® lounges, Priority Pass™ Select, and Airspace Lounge. Enrollment required for Priority Pass Select.
Hotel Status		$200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using your Platinum Card®. The Hotel Collection requires a minimum two-night stay. Enroll for complimentary Marriott Bonvoy Gold Elite Status. Enroll for complimentary Hilton Honors Gold Status.
Airline Transfer Partners		Airline transfer partners include Delta, Hawaiian Airlines, Aeromexico, Air Canada, Air France, Emirates, Cathay Pacific (Asia Miles), Virgin Atlantic, Singapore Airlines, Etihad, Alitalia, All Nippon Airways and more.
	CreditDonkey® Credit Card Reviews
Pros & Cons	Pros: 5% bonus rotating categories Intro APR on purchases and balance transfers No foreign transaction fee No annual fee Cons: Some merchants don't accept Discover	Pros: Travel benefits 80,000 bonus points after you spend $8,000 in first 6 months Concierge service Cons: $695 annual fee
Bottom Line	Excellent cash back credit card with no annual fee and low interest rate... Read full review	Excellent card for frequent travelers... Read full review
	Read Discover It Review
See issuer's website for details including terms and conditions. While reasonable effort has been made to maintain accurate and updated information, the information shown on this site may vary, be out of date, or not applicable to you. All information is provided without warranty. When you click on the Apply Now button, you can review the terms and conditions on the issuer's website. 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. For rates and fees of The Platinum Card® from American Express card, please click here. Disclaimer: The information for the 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. Discover It: Pricing information including interest rates, rewards, benefits and fees was obtained on December 3, 2024 from published websites and is believed to be accurate, but not guaranteed.