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Chase Freedom® vs Discover it® Cashback Match™

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.

 

Chase Freedom®

Discover it® Cashback Match™

 

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 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
Smart ChipSmart ChipSmart Chip
 

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 12 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
 Learn More for Chase FreedomLearn More for Discover it Cashback Match

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.

Disclaimer: The information for the Chase Freedom® has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

Disclaimer: The information for the Discover it® Cashback Match™ has 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 January 4, 2016 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

    Chase Freedom is one of the best credit cards for cash back, if used the right way. If not, there are drawbacks. Read on for the pros and cons to determine if this card is right for you.

    Disclaimer: The information for the Chase Freedom® has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.


Explore Discover it® Cashback Match™ In-Depth

    Discover It Credit Card Review

    With bonus cash back, low interest rate and no annual fee, Discover It is a good card for many. Is it right for you? Read on for the pros and cons.

    Is Discover It a Good Credit Card

    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 ...

    Disclaimer: The information for the Discover it® Cashback Match™ has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.


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 Card
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
16.24% - 23.24% Variable
Introductory Annual Fee of $0 the first year, then $95

Blue Cash Everyday Card from American Express
Introductory Bonus Cash BackCash Back RewardsGas RewardsGrocery RewardsCar Rental InsuranceExtended WarrantyPurchase ProtectionReturn ProtectionTravel Accident Insurance $0 Fraud Liability
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 12 months
0% for 12 months
13.24% - 23.24% Variable
$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
15.49% - 19.49% 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.

†Advertiser Disclosure: 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.