Discover It vs American Express Gold
Discover It is an excellent cash back credit card with no annual fee and low interest rate. How does it compare to American Express Gold, a points card? Read our comparison chart below.
Keep in mind, the Discover It has a
Discover it® Cash Back | American Express® Gold Card | |
|---|---|---|
Credit Card Interest Rates & Fees | ||
| Introductory APR for Purchases | 0% introductory APR for 15 months | N/A |
| Introductory APR for Balance Transfers | 0% introductory APR for 15 months | N/A |
| Purchase APR | 18.24% to 27.24% Variable based on your creditworthiness and other factors | N/A |
| Balance Transfers APR | 18.24% to 27.24% Variable based on your creditworthiness and other factors | N/A |
| Foreign Transaction Fee | No foreign transaction fee | No foreign transaction fee |
| 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:
| Pros:
|
| Bottom Line | Excellent cash back credit card with no annual fee and low interest rate... | Good rewards card for cardholders who fly frequently or eat out... |
| Read Discover It Review | Read American Express Gold 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 Discover it® Cash Back and American Express® Gold Card 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 11, 2025 from published websites and is believed to be accurate, but not guaranteed. 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. | ||
Articles on Discover it® Cash Back
Discover It Review
Articles on American Express® Gold Card
American Express Gold
Which Do You Like and Why?
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For rates and fees of the Chase Freedom Unlimited® card, please click here.
For rates and fees of the Chase Sapphire Preferred® Card, please click here.
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