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BankAmericard vs Discover It

Compare Rewards, Interest Rates, Fees, and Benefits

BankAmericard is a Balance Transfer credit card. How does it compare to Discover It, a cash back credit card? Read our comparison chart below.

 

BankAmericard® Credit Card

Discover it® Cash Back

 
$0 Fraud Liability
Introductory Bonus Cash BackCash Back RewardsBonus Cash BackNo Limits on Rewards$0 Fraud Liability
 

Credit Card Interest Rates & Fees

Introductory APR for Purchases0% Introductory APR on purchases for 15 billing cycles0% introductory APR for 14 months
Introductory APR for Balance Transfers0% Intro APR for 15 billing cycles for balance transfers made in the first 60 days0% introductory APR for 14 months
Purchase APR14.49% to 24.49% Variable APR based on your creditworthiness and other factors13.49% to 24.49% Variable based on your creditworthiness and other factors
Balance Transfers APR14.49% to 24.49% Variable APR based on your creditworthiness and other factors13.49% to 24.49% Variable based on your creditworthiness and other factors
Balance Transfer Fee$0 introductory balance transfer fee for transactions made within 60 days of opening your account. After that, your fee will be either $10 or 3% of the amount of each transaction, whichever is greater.3% of the amount of each transfer.
Foreign Transaction Fee3% of the amount of each transaction. No foreign transaction fee
Annual Fee$0 annual fee$0 annual fee
 

Credit Card Rewards & Benefits

Introductory Bonus Cash Back 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).
Cash Back Rewards Cash Back Rewards: 1% cash back on all other purchases.
Bonus Cash Back 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.
Bonus Categories for 2017:
October - December 2017: 5% on up to $1,500 in purchases at Amazon.com & Target
Bonus Categories for 2018:
January - March 2018: 5% on up to $1,500 in purchases at Gas Stations & Wholesale Clubs
April - June 2018: 5% on up to $1,500 in purchases at Grocery Stores
July - September 2018: 5% on up to $1,500 in purchases at Restaurants
October - December 2018: 5% on up to $1,500 in purchases at Amazon.com & Wholesale Clubs
 

CreditDonkey® Credit Card Reviews

Pros & ConsPros:
  • 5% bonus rotating categories
  • 0% intro APR on purchases and balance transfers for 14 months, then a variable APR, currently 13.49% - 24.49%
  • No foreign transaction fee
  • No annual fee
Cons:
  • Some merchants don't accept Discover
Bottom LineExcellent cash back credit card with no annual fee and low interest rate... Read full 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 BankAmericard® Credit Card 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.

BankAmericard: Pricing information including interest rates, rewards, benefits and fees was obtained on May 15, 2018 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 April 2, 2018 from published websites and is believed to be accurate, but not guaranteed.


Explore Discover it® Cash Back In-Depth


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Chase Freedom Unlimited vs Chase Slate

Looking to make a large purchase or pay down credit card debt? Chase Slate or Chase Freedom Unlimited might be for you.

Compare Discover It to:

Chase Freedom Unlimited

Chase Freedom Unlimited®

Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
0% for 15 months
0% for 15 months
16.49% - 25.24% Variable
Annual Fee
$0
Capital One Quicksilver

Capital One® Quicksilver® Cash Rewards Credit Card

Introductory Bonus Cash BackCash Back RewardsNo Expiration on RewardsNo Limits on Rewards
Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
0% intro on purchases for 15 months
0% intro on balance transfers for 15 months
14.49% - 24.49% (Variable)
Annual Fee
$0
Chase Sapphire Preferred

Chase Sapphire Preferred® Card

Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
N/AN/A
17.49% - 24.49% Variable
Annual Fee
$0 Intro for the First Year, then $95

Disclaimer: The information for the Capital One® Quicksilver® Cash Rewards Credit Card has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

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About CreditDonkey®
CreditDonkey is a credit card comparison website. We publish data-driven analysis to help you save money & make savvy financial decisions.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

†Advertiser Disclosure: Many of the card offers that appear on this site are from companies from which CreditDonkey receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditDonkey does not include all companies or all offers that may be available in the marketplace.

*See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.