CreditDonkey is a credit card comparison and financial education website. This website is made possible through financial relationships with card issuers and some of the products and services mentioned on this site. Advertiser Disclosure†

Starwood Preferred Guest® Credit Card from American Express vs Discover It

Compare Rewards, Interest Rates, Fees, and Benefits

American Express is a CreditDonkey partner. We receive compensation if you apply and get approved for a card through links in our content. You do not have to use our links, but you help support CreditDonkey if you do. (read more)

Starwood Preferred Guest is an excellent rewards card for travelers looking for free hotel stays or airfare. How does it compare to Discover It, a cash back credit card? Read our comparison chart below.

Keep in mind, the Starwood Preferred Guest has a $0 introductory annual fee for the first year, then $95, while the Discover It has a $0 annual fee.

 Apply NowRead Discover It Review
 

Starwood Preferred Guest® Credit Card from American Express

Discover it® - Cashback Match™

 
Introductory Bonus Hotel RewardsTravel RewardsAirline RewardsBonus Airline RewardsHotel Rewards
Introductory Bonus Cash BackCash Back RewardsBonus Cash BackNo Limits on RewardsExtended Warranty
 

Credit Card Interest Rates & Fees

Introductory APR for PurchasesN/A0% introductory APR for 14 months
Introductory APR for Balance TransfersN/A0% introductory APR for 14 months
Purchase APR16.49% to 20.49% Variable based on your creditworthiness and other factors12.24% to 24.24% Variable based on your creditworthiness and other factors
Balance Transfers APR16.49% to 20.49% Variable based on your creditworthiness and other factors12.24% to 24.24% Variable based on your creditworthiness and other factors
Foreign Transaction FeeNo foreign transaction feeNo foreign transaction fee
Annual Fee$0 introductory annual fee for the first year, then $95$0 annual fee
Terms Apply See Rates & Fees 
 

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).
Introductory Bonus Hotel RewardsIntroductory Bonus Hotel Rewards: Earn 25,000 Starpoints® after you use your new Card to make $3,000 in purchases within the first 3 months. 
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
Travel RewardsTravel Rewards 
Airline RewardsAirline Rewards: Transfer Starpoints to more than 30 airline frequent flyer programs, mostly on a one-to-one basis.
Redeem Starpoints® for flights on more than 150 airlines with SPG flights, with no blackout dates.
 
Bonus Airline RewardsBonus Airline Rewards: Get 5,000 bonus Starpoints after you transfer 20,000 Starpoints to a frequent flyer program with more than 30 airlines 
Hotel RewardsHotel Rewards: Earn 2 Starpoints® for each dollar of eligible purchases spent at participating SPG® & Marriott Rewards® hotels. Earn 1 Starpoint for all other purchases.
Redeem Starpoints® at over 1,300 participating hotels and resorts in over 100 countries, with no blackout dates.
 
Hotel StatusHotel Status: Premium on-property Internet Access. Booking requirements apply.
Earn SPG Gold Status by spending $30,000 or more on your Card in a calendar year. Receive credit for 5 nights toward SPG elite status each year.
 
Airline Transfer PartnersAirline Transfer Partners: Airline transfer partners include American Airlines, Delta, Alaska Airlines, Hawaiian Airlines, British Airways, Aeromexico, Air Canada, Air France (Flying Blue), Emirates, Qatar Airways, Cathay Pacific (Asia Miles), Virgin Atlantic, Avianca, Singapore Airlines, Korean Air, Etihad, Asiana Airlines, Air China, Alitalia, Air Berlin, Jet Airways, China Southern Airlines, Japan Airlines, Hainan Airlines, Thai Airways, Virgin Australia, Aegean Airlines, Miles and More, All Nippon Airways, China Eastern, and more. 
 

CreditDonkey® Credit Card Reviews

Pros & ConsPros:
  • Earn bonus points after you make $3,000 in purchases within the first 3 months
  • Flexible transfer to airlines miles
Cons:
  • $95 annual fee
Pros:
  • 5% bonus rotating categories
  • 0% intro APR on purchases and balance transfers for 14 months, then a variable APR, currently 12.24% - 24.24%
  • No foreign transaction fee
  • No annual fee
Cons:
  • Some merchants don't accept Discover
Bottom LineExcellent rewards card for travelers looking for free hotel stays or airfare... Read full reviewExcellent cash back credit card with no annual fee and low interest rate... Read full review
 Apply NowRead Discover It Review
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.

    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.

    Discover It: Pricing information including interest rates, rewards, benefits and fees was obtained on January 3, 2018 from published websites and is believed to be accurate, but not guaranteed.


    Explore Starwood Preferred Guest® Credit Card from American Express In-Depth


    Explore Discover it® - Cashback Match™ In-Depth


    You Might Also Like

      Credit Card Bonus Offers

      Take advantage of credit card bonuses for new customers, including bonus cash, reward points, and airline miles.

    Compare Starwood Preferred Guest to:

    Premier Rewards Gold Card

    Premier Rewards Gold Card from American Express

    Introductory Bonus Reward PointsAirline RewardsPoint RewardsGas Rewards
    Annual Fee
    Introductory annual fee of $0 for the first year, then $195
    Chase Sapphire Preferred

    Chase Sapphire Preferred® Card

    Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
    N/AN/A
    17.24% - 24.24% Variable
    Annual Fee
    $0 Intro for the First Year, then $95
    Amex EveryDay

    The Amex EveryDay® Credit Card from American Express

    Introductory Bonus Reward PointsBonus Reward PointsPoint RewardsGrocery Rewards
    Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
    0% on Purchases for 12 months
    0% on Balance Transfers for 12 months
    14.24% - 24.24% Variable
    Annual Fee
    $0

    You might also be interested in

    Credit Card for Traveling Abroad

    The best credit cards for international travel have no foreign transaction fees, chip technology and worldwide acceptance. Read this before you take off.

    Compare Discover It to:

    Chase Freedom Unlimited
    Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
    0% for 15 months
    0% for 15 months
    16.24% - 24.99% Variable
    $0

    Blue Cash Everyday
    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% on Purchases for 15 months
    0% on Balance Transfers for 15 months
    14.24% - 25.24% Variable
    $0
    Infographics: Where Does All My Money Go

    Household Spending Statistics

    Where does all the money go? See what typical Americans make and spend in a month.


    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.