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Discover it Miles vs Chase Sapphire Reserve®

Compare Rewards, Interest Rates, Fees, and Benefits

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Discover it Miles is an excellent credit card with no annual fee for domestic travelers. How does it compare to Chase Sapphire Reserve, a travel, airline, points and restaurant credit card? Read our comparison chart below.

Keep in mind, the Discover it Miles has a $0 annual fee, while the Chase Sapphire Reserve has a $550 annual fee.

 Read Discover it Miles ReviewApply Now
 

Discover it® Miles

Chase Sapphire Reserve®

 

Credit Card Interest Rates & Fees

Introductory APR for Purchases0% introductory APR for 14 monthsN/A
Introductory APR for Balance Transfers10.99% introductory APR for 14 monthsN/A
Purchase APR11.99% to 22.99% Variable based on your creditworthiness and other factors16.99% to 23.99% Variable based on your creditworthiness and other factors
Balance Transfers APR11.99% to 22.99% Variable based on your creditworthiness and other factors16.99% to 23.99% Variable based on your creditworthiness and other factors
Foreign Transaction FeeNo foreign transaction fee$0
Annual Fee$0 annual fee$550 annual fee
 

Credit Card Rewards & Benefits

Introductory Bonus Airline RewardsDiscover will match all the miles you've earned at the end of your first year (only for new cardmembers). 
Introductory Bonus Offer Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
Travel Rewards1.5x Miles on every dollar you spend on purchases. Redeem Miles in any amount to credit travel purchases from your statement, or get cash at any time.3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. $0 foreign transaction fees.
1:1 point transfer to leading airline and hotel loyalty programs
Airline Rewards1.5x Miles on every dollar you spend on purchases.1:1 point transfer to leading airline and hotel loyalty programs
Hotel Rewards 1:1 point transfer to leading airline and hotel loyalty programs
Point Rewards 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases.
Airline Status $300 Annual Travel Credit (as reimbursement for travel purchases charged to your card).
Complimentary Priority Pass™ Select membership for access to 1,000+ airport lounges worldwide. Enrollment required for Priority Pass Select
Dining Rewards 3X points on dining at restaurants
Airline Transfer Partners Chase airline transfer partners include United Airlines, Southwest Airlines, JetBlue, British Airways, Air France, Singapore Airlines, Virgin Atlantic, Iberia, Emirates, and Aer Lingus.
 

CreditDonkey® Credit Card Reviews

Pros & ConsPros:
  • 1.5x miles on purchases
  • No annual fee
  • First year promotional miles offer
  • No foreign transaction fee
Cons:
  • Some merchants don't accept Discover
Pros:
  • Bonus points
  • Annual travel credit
  • Elite travel benefits
Cons:
  • $550 annual fee
  • No introductory annual fee
  • No intro APR
Bottom LineExcellent credit card with no annual fee for domestic travelers... Read full reviewUltra premium credit card for luxury travelers... Read full review
 Read Discover it Miles ReviewApply Now
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® Miles has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

    Discover it Miles: 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.

    Which is Better: Discover it Miles or Chase Sapphire Reserve?

    Still need help deciding which travel credit card is better? Read the in-depth reviews below. You may also be interested in comparing Discover it Miles or Chase Sapphire Preferred.


    Articles on Discover it® Miles


    Articles on Chase Sapphire Reserve®


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    Compare Discover it Miles to:

    Chase Sapphire Preferred
    Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
    N/AN/A
    15.99% - 22.99% Variable
    $95

    American Express Gold
    Introductory Bonus OfferAirline RewardsPoint RewardsGrocery RewardsNo Pre-Set Spending LimitDining RewardsEventsCar Rental InsuranceExtended Warranty Purchase ProtectionBaggage Insurance$0 Fraud Liability
    Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
    N/AN/ASee Rates & Fees
    $250

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    International Travel

    The best credit cards for international travel have no foreign transaction fees, chip technology and worldwide acceptance. But what's the right travel card for you?

    Compare Chase Sapphire Reserve to:

    American Express Platinum
    Introductory Bonus OfferTravel RewardsAirline RewardsHotel RewardsPoint RewardsNo Pre-Set Spending LimitConciergeEventsCar Rental Insurance Extended WarrantyPurchase ProtectionReturn Protection$0 Fraud LiabilityIdentity Theft Assistance
    Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
    N/AN/AN/A
    $550

    About CreditDonkey®
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    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.