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Chase Freedom® vs Discover it®

Compare Rewards, Interest Rates, Fees, and Benefits

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Chase Freedom is an excellent cash back credit card for cardholders who pay in full. How does it compare to Discover It, a cash back credit card? Read our comparison chart below.

 

Chase Freedom®

Discover it®

 

Credit Card Interest Rates & Fees

Introductory APR for Purchases0% introductory APR for 15 months0% introductory APR for 12 months
Introductory APR for Balance Transfers0% introductory APR for 15 months0% introductory APR for 12 months
Purchase APR13.99% to 22.99% Variable based on your creditworthiness and other factors10.99% to 22.99% Variable* based on your creditworthiness and other factors
Balance Transfers APR13.99% to 22.99% Variable based on your creditworthiness and other factors10.99% to 22.99% Variable* based on your creditworthiness and other factors
Annual Fee$0 annual fee$0 annual fee
 

Credit Card Rewards & Benefits

Introductory Bonus Cash BackIntroductory Bonus Cash Back: Earn a $100 Bonus after you spend $500 on purchases in your first 3 months from account openingIntroductory Bonus Cash Back: Discover will double all the cash back you've earned at the end of your first year (only for new cardmembers).
Cash Back RewardsCash Back Rewards: Unlimited 1% Cash Back on every purchaseCash Back Rewards: 1% cash back on all other purchases.
Bonus Cash BackBonus Cash Back: 5% Total Cash Back on up to $1,500 in combined purchases in bonus categories each quarter It's free and easy to activate your bonus each quarter.
Bonus Categories for 2015:
Q1 (January 1 – March 31, 2015): Grocery stores (not including Walmart® and Target® purchases), movie theaters and Starbucks® stores
Q2 (April 1 – June 30, 2015): Restaurants, Bed Bath & Beyond®, H&M®, and Overstock.com®
Q3 (July 1 – September 30, 2015): Gas stations and Kohl's®
Q4 (October 1 – December 31, 2015): Amazon.com and more
Bonus Cash Back: 5% cash back on up to $1,500 in purchases in categories that change each quarter (requires free and easy sign-up for 5% Cashback Bonus)*
Bonus Categories for 2015:
January - March: 5% on up to $1,500 in purchases at Gas Stations and Ground Transportation
April - June: 5% on up to $1,500 in Restaurant and Movie purchases
July - September: 5% on up to $1,500 in purchases in Home Improvement Stores, Department Stores, and Amazon.com
October - December: Holiday Shopping (Program Details TBA August 2015)
Limitations apply*. See Issuer's Website for additional program details.
Smart ChipSmart ChipSmart Chip
 

CreditDonkey® Credit Card Reviews

Pros & ConsPros:
  • $100 bonus after you make $500 in purchases in your first 3 months
  • 5% bonus rotating categories
  • Full 1% cash back on every purchases
  • 0% intro APR on purchases and balance transfers for 15 months
  • No annual fee
Cons:
  • 3% foreign transaction fee
Pros:
  • 5% bonus rotating categories
  • Full 1% cash back on all other purchases
  • 0% intro APR on purchases and balance transfers for 12 months, then a variable APR, currently 10.99% - 22.99%
  • No foreign transaction fee
  • No annual fee
Cons:
  • Some merchants don't accept Discover
Bottom LineExcellent cash back credit card for cardholders who pay in full... Read full reviewExcellent cash back credit card with no annual fee and low interest rate... Read full review
 Apply for Chase Freedom®
What Others View

    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.

    Discover It: Pricing information including interest rates, rewards, benefits and fees were obtained on July 6, 2015 from published websites and are believed to be accurate, but not guaranteed.

    Which is Better: Chase Freedom 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 Chase Freedom or Blue Cash Everyday.


    Explore Chase Freedom® In-Depth

      Chase Freedom Review

      March 14, 2012 - By David R - Reviews for Chase Freedom
      Want to earn cash back and score a good deal? With its $100 bonus offer, rotating 5% cash back categories, and 0% intro APR on purchases and balance transfers for 15 months, this card might be the one for you. Read this Chase Freedom review to see why it is one of the most popular cashback credit cards with no annual fee.

    Explore Discover it® In-Depth

      Discover It Credit Card Review

      January 11, 2013 - By David R - Reviews for Discover It
      A generous cash back and promotional low interest offer makes the Discover It Card the go-to card to keep more money in your pocket. When you consider the rewards, low fees, and good customer service, it’s pretty easy to see why Discover It is one of the most popular cash back credit cards available.

      Is Discover It a Good Credit Card

      October 31, 2014 - By Leah Norris - Reviews for Discover It
      Is Discover It worth it? The most popular offering by Discover can be well worth the application for the following 10 reasons. To round out this list, we’ll also give you 3 reasons why you might want to look elsewhere:

    Recent Mentions

      Discover It Chrome Review

      Do you eat out and drive a lot? If you want cash back rewards without having to think too much, the Discover It Chrome could be the right fit for you.

    Compare Chase Freedom to:

    Chase Sapphire Preferred Card

    Chase Sapphire Preferred® Card

      Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
      N/AN/A
      15.99% Variable
      Annual Fee
      Introductory Annual Fee of $0 the first year, then $95
      Chase Slate

      Chase Slate®

        Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
        0% for 15 months
        0% for 15 months
        12.99%, 17.99%, or 22.99% Variable
        Annual Fee
        $0
        Blue Cash Everyday Card from American Express

        Blue Cash Everyday® Card from American Express

        Introductory Bonus Cash BackCash Back RewardsGas RewardsGrocery Rewards
          Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
          0% on Purchases for 15 months
          0% on Balance Transfers for 15 months
          12.99% - 21.99% Variable
          Annual Fee
          $0

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          Compare Discover It to:

          Gold Delta SkyMiles Credit Card from American Express
          Introductory Bonus Airline RewardsAirline RewardsCar Rental InsuranceExtended WarrantyPurchase Protection$0 Fraud LiabilityEmergency Assistance
          Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
          NoneNone
          15.24% - 19.24% Variable
          $0 intro annual fee for the first year, then $95

          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.

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          *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.

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