American Express® Gold Card vs Discover It

Compare Rewards, Interest Rates, Fees, and Benefits

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American Express Gold is a points charge card. How does it compare to Discover It, a cash back credit card? Read our comparison chart below.

Charge Card vs Credit Card: American Express® Gold Card is a charge card while Discover it® Cash Back is a credit card. If you plan to carry a balance, avoid charge cards as they usually require that you pay in full.

	American Express® Gold Card	Discover it® Cash Back
		Read Discover It Review
	Personal Charge Card	Personal Credit Card

	Card Interest Rates & Fees
Introductory APR for Purchases	N/A	0% introductory APR for 14 months
Introductory APR for Balance Transfers	N/A	0% introductory APR for 14 months
Purchase APR	See Rates & Fees	13.49% to 24.49% Variable based on your creditworthiness and other factors
Balance Transfers APR	See Rates & Fees	13.49% to 24.49% Variable based on your creditworthiness and other factors
Foreign Transaction Fee	No foreign transaction fee	No foreign transaction fee
Annual Fee	$250 annual fee	$0 annual fee
	Terms Apply. See Rates & Fees
	Card Rewards & Benefits
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 Offer	Earn 35,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 3 months.
Cash Back Rewards		1% cash back on all other purchases.
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 2019:* October - December 2019: Amazon.com, Target and Walmart.com Bonus Categories for 2020: January - March 2020: Grocery Stores, Walgreens & CVS April - June 2020: Gas Stations, Uber, Lyft & Wholesale Clubs July - September 2020: Restaurants & PayPal October - December 2020: Amazon.com, Walmart.com & Target.com
Airline Rewards	Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
Point Rewards	Earn 4X Membership Rewards® points when you dine at restaurants worldwide. Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X). Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
Airline Status	$100 Airline Fee Credit: up to $100 in statement credits per calendar year for incidental fees at one selected qualifying airline.
Grocery Rewards	Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X).
Dining Rewards	Earn 4X Membership Rewards® points when you dine at restaurants worldwide. Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
Airline Transfer Partners	Airline transfer partners include Delta, Hawaiian Airlines, Aeromexico, Air Canada, Air France, Emirates, Cathay Pacific (Asia Miles), Virgin Atlantic, Singapore Airlines, Etihad, Alitalia, All Nippon Airways and more.
	CreditDonkey® Card Reviews
Pros & Cons	Pros: Welcome bonus Airline fee credit 3x points for flights booked directly with airlines Cons: $250 annual fee	Pros: 5% bonus rotating categories Intro APR on purchases and balance transfers No foreign transaction fee No annual fee Cons: Some merchants don't accept Discover
Bottom Line	Good rewards card for cardholders who fly frequently or eat out... Read full review	Excellent cash back credit card with no annual fee and low interest rate... Read full review
		Read Discover It Review
What Others View		Chase Freedom Unlimited Chase Sapphire Preferred Blue Cash Everyday American Express Platinum Gold Delta SkyMiles
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® Cash Back 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 November 6, 2019 from published websites and is believed to be accurate, but not guaranteed.

Articles on American Express® Gold Card

American Express Gold Card Benefits

American Express® Gold Card offers many benefits and savings you may not know about that more than justify the annual fee. Read on to learn how get the most value.

AMEX Gold

If you spend a lot, the American Express® Gold Card may be worth considering. Read on for the pros and cons of the AMEX Gold Card.

Articles on Discover it® Cash Back

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 ...

Which Do You Like and Why?

Grocery Rewards

The right grocery credit card gives you a high percentage back for shopping at the supermarket as well as a good amount back on your other everyday purchases, like charges made at the gas pump.

Credit Card Bonus Offers

Looking for a new credit card? Earn extra cash, reward points, and airline miles with these bonus offers for new customers.

Compare American Express Gold to:

Chase Sapphire Preferred® Card


Intro APR (Purchases)	Intro APR (Balance Transfer)	Regular APR
N/A	N/A	17.49% - 24.49% Variable
Annual Fee
$95

The Platinum Card® from American Express



Terms Apply \| Read Review \| See Rates & Fees
Annual Fee
$550

Blue Cash Preferred® Card from American Express



Terms Apply \| Read Review \| See Rates & Fees
Intro APR (Purchases)	Intro APR (Balance Transfer)	Regular APR
0% on purchases for 12 months	0% on balance transfers for 12 months	14.49% - 25.49% Variable
Annual Fee
$95

Compare Discover It to:

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

Blue Cash Everyday® Card from American Express



Terms Apply \| Read Review \| See Rates & Fees
Intro APR (Purchases)	Intro APR (Balance Transfer)	Regular APR
0% on Purchases for 15 months	0% on Balance Transfers for 15 months	14.49% - 25.49% Variable
Annual Fee
$0

Capital One® Venture® Rewards Credit Card



Intro APR (Purchases)	Intro APR (Balance Transfer)	Regular APR
N/A	N/A	17.49% - 24.74% (Variable)
Annual Fee
$0 intro for first year; $95 after that

Disclaimer: The information for the Capital One® Venture® 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.


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

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American Express® Gold Card vs Discover It