American Express Gold vs Discover It

Compare Rewards, Interest Rates, Fees, and Benefits

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 card? Read our comparison chart below.

Keep in mind, the American Express Gold has a $325 annual fee, while the Discover It has a $0 annual fee.

	American Express® Gold Card	Discover it® Cash Back
	Credit Card Interest Rates & Fees
Introductory APR for Purchases	N/A	0% introductory APR for 15 months
Introductory APR for Balance Transfers	N/A	0% introductory APR for 15 months
Purchase APR	N/A	18.24% to 27.24% Variable based on your creditworthiness and other factors
Balance Transfers APR	N/A	18.24% to 27.24% Variable based on your creditworthiness and other factors
Foreign Transaction Fee	No foreign transaction fee	No foreign transaction fee
Annual Fee	$325 annual fee	$0 annual fee
	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 Offer	Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
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.
Airline Rewards	Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
Point Rewards	Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Grocery Rewards	Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
Dining Rewards	Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
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® Credit Card Reviews
Pros & Cons	Pros: Welcome bonus 3X points on flights booked directly with airlines or on AmexTravel.com Cons: $325 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 American Express Gold Review	Read Discover It Review
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 American Express® Gold Card and 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. American Express Gold: Pricing information including interest rates, benefits and fees was obtained on December 19, 2024 from published websites and is believed to be accurate, but not guaranteed. Discover It: Pricing information including interest rates, rewards, benefits and fees was obtained on January 11, 2025 from published websites and is believed to be accurate, but not guaranteed.