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American Express® Gold Card 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)

American Express Gold is a good rewards card for cardholders who fly frequently or eat out. How does it compare to Discover It, a cash back credit card? Read our comparison chart below.

 Apply NowRead Discover It Review
 

American Express® Gold Card

Discover it® Cash Back

 
Introductory Bonus OfferAirline RewardsPoint RewardsGrocery RewardsNo Pre-Set Spending Limit
Introductory Bonus Cash BackCash Back RewardsBonus Cash BackNo Limits on Rewards$0 Fraud Liability
 

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 APRSee Pay Over Time APR11.99% to 22.99% Variable based on your creditworthiness and other factors
Balance Transfers APRN/A11.99% to 22.99% Variable based on your creditworthiness and other factors
Foreign Transaction FeeNo foreign transaction feeNo foreign transaction fee
Annual Fee$250 annual fee$0 annual fee
Terms Apply. See Rates & Fees 
 

Credit 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 OfferEarn 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 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 Rewards3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com. 
Point RewardsEarn 4X Membership Rewards® Points on Restaurants worldwide, including takeout and delivery. Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar 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 Rewards4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X). 
Dining RewardsEarn 4X Membership Rewards® Points on Restaurants worldwide, including takeout and delivery.
$120 Dining Credit: 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 PartnersAirline 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® Credit Card Reviews

Pros & ConsPros:
  • 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 LineGood rewards card for cardholders who fly frequently or eat out... 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® 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 April 1, 2020 from published websites and is believed to be accurate, but not guaranteed.


    Articles on American Express® Gold Card


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    Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
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    American Express Platinum

    The Platinum Card® from American Express

    Introductory Bonus OfferTravel RewardsAirline RewardsHotel Rewards
    Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
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    $550
    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% on purchases for 12 months
    N/A
    13.99% - 23.99% Variable
    Annual Fee
    $95

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    Compare Discover It to:

    Blue Cash Everyday
    Introductory Bonus Cash BackCash Back RewardsGas RewardsGrocery RewardsCar Rental InsurancePurchase Protection$0 Fraud Liability
    Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
    0% on Purchases for 15 months
    N/A
    13.99% - 23.99% Variable
    $0

    Delta SkyMiles Gold
    Introductory Bonus Airline RewardsAirline RewardsBonus Airline RewardsCar Rental InsuranceExtended WarrantyPurchase Protection$0 Fraud Liability
    Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
    N/AN/A
    15.74% - 24.74% Variable
    $0 introductory annual fee for the first year, then $99
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    About CreditDonkey®
    CreditDonkey is a credit card comparison website. We publish data-driven analysis to help you save money & make savvy 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.

    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.