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Chase Freedom vs Discover It

Compare Rewards, Interest Rates, Fees, and Benefits

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.

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Chase Freedom

Discover it® Cashback Match™

 

Credit Card Interest Rates & Fees

Introductory APR for Purchases0% introductory APR for 15 months0% introductory APR for 14 months
Introductory APR for Balance Transfers0% introductory APR for 15 months0% introductory APR for 14 months
Purchase APR14.24% to 23.24% Variable based on your creditworthiness and other factors11.24% to 23.24% Variable* based on your creditworthiness and other factors
Balance Transfers APR14.24% to 23.24% Variable based on your creditworthiness and other factors11.24% to 23.24% 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 $150 Bonus after spending $500 on purchases in your first 3 months from account opening.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 RewardsCash Back Rewards: Unlimited 1% cash back on all other purchases.Cash Back Rewards: 1% cash back on all other purchases.
Bonus Cash BackBonus Cash Back: Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories every 3 months like gas stations, restaurants, and wholesale clubs. Unlimited 1% cash back on all other purchases.
Bonus Categories for 2016:
Q1 (January 1 – March 31, 2016): Gas stations and local commuter transportation (not including parking, tolls, and Amtrak® purchases)
Q2 (April 1 - June 30, 2016): Grocery stores (not including Walmart®, Target®, discount or warehouse club store purchases)
Q3 (July 1 – September 30, 2016): Restaurants and Wholesale Clubs
Q4 (October 1 – December 31, 2016): Department Stores, Wholesale Clubs and Drug Stores
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)*
Limitations apply*. See issuer's website for additional program details.
Bonus Categories for 2016:
January - March 2016: 5% on up to $1,500 in purchases at Gas Stations and for Ground Transportation
April - June 2016: 5% on up to $1,500 in purchases at Restaurants and Movies
July - September 2016: 5% on up to $1,500 in purchases at Home Improvement Stores and Amazon.com
October - December 2016: 5% on up to $1,500 in purchases at Amazon.com, Department Stores and Sam's Club
Bonus Categories for 2017:
January - March 2017: 5% on up to $1,500 in purchases at Gas Stations, Ground Transportation & Wholesale Clubs
 

CreditDonkey® Credit Card Reviews

Pros & ConsPros:
  • Earn a $150 Bonus
  • 5% bonus rotating categories
  • Intro APR
  • No annual fee
Cons:
  • 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 14 months, then a variable APR, currently 11.24% - 23.24%
  • 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
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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 Chase Freedom and Discover it® Cashback Match™ have been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

Chase Freedom: Pricing information including interest rates, benefits and fees were obtained on July 4, 2016 from published websites and are believed to be accurate, but not guaranteed.

Discover It: Pricing information including interest rates, rewards, benefits and fees were obtained on December 2, 2016 from published websites and are believed to be accurate, but not guaranteed.

Which is Better: Chase Freedom or Discover It?

Both Chase Freedom and Discover It have rotating 5% categories, but Chase Freedom enjoys the widespread acceptance of Visa.

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


Explore Discover it® Cashback Match™ In-Depth


Which Do You Think is Best?

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    Disclaimer: The information for the Chase Freedom Unlimited, Discover it® chrome, and Citi® Double Cash Card have been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.


Compare Chase Freedom to:

Chase Sapphire Preferred

Chase Sapphire Preferred® Card

    Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
    N/AN/A
    16.24% - 23.24% Variable
    Annual Fee
    Introductory Annual Fee of $0 the first year, then $95
    Blue Cash Everyday

    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% for 12 months
      0% for 12 months
      13.24% - 23.24% Variable
      Annual Fee
      $0
      Blue Cash Preferred

      Blue Cash Preferred® Card from American Express

      Introductory Bonus Cash BackCash Back RewardsGas RewardsGrocery Rewards
        Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
        0% for 12 months
        0% for 12 months
        13.24% - 23.24% Variable
        Annual Fee
        $95

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        Chase Freedom vs Discover It vs Blue Cash Everyday

        Considering a cash back credit card? With so many options, it can be tough to narrow down the list of possibilities to a final choice. A good cashback card will help you earn money on what you spend on everyday purchases and necessities — and ...

        Compare Discover It to:

        Barclaycard CashForward
        Introductory Bonus Cash BackCash Back RewardsBonus Cash BackNo Expiration on Rewards$0 Fraud Liability
        Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
        N/A
        0% for 15 months (on balance transfers made within 45 days of account opening)
        14.99%, 19.99% or 24.99% Variable
        $0


        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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