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Discover it® Cash Back Credit Card vs IHG One Rewards Premier Credit Card
Compare fees, rewards, benefits, and card details in one table before choosing which review to open next.
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- A dash (—) means that value is not currently available for that card.
- Coverage labels like 2/4 cards show how many selected cards have that metric populated.
- Card Type, Card Tier, Rating, and Reward Program are editorial labels and may still be pending enrichment.
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| Feature | ||
|---|---|---|
| Basic Information | ||
Issuer | Discover | Chase |
Card Network | ||
Card Type Data: 2/2 cards | cashback | travel |
Card Tier Data: 2/2 cards | Entry Level | Premium |
Credit Score | — | Excellent(750+) |
Rating Data: 0/2 cards | — | — |
| Fees & APR | ||
Annual Fee | $0 | $99 |
Foreign Transaction Fee | None | None |
Purchase APR | 17.49% – 26.49% | 19.24% – 27.74% |
Intro APR | 0% for 15 months | — |
| Rewards | ||
Welcome Bonus | Earn $0 | Earn 140,000 points |
Bonus Value | — | $1,400 |
Reward Rate Data: 2/2 cards | 5% back on rotating quarterly categories | 10x pts on ihg hotels and resorts |
Reward Program Data: 2/2 cards | Discover Cashback Bonus | IHG One Rewards |
| Earning Rates | ||
| All other purchases | 1% backUnlimited; applies automatically to all purchases not in the 5% rotating category. | — |
| IHG Hotels and Resorts | — | 10x ptsEarn 10X points from Chase for qualifying purchases made at hotels participating in IHG One Rewards |
| Rotating quarterly categories | 5% backEarn 5% cash back at different places each quarter, up to the quarterly maximum when you activate. Page examples include grocery stores, restaurants, gas stations, and more. | — |
| Rotating quarterly categories (e.g., grocery stores, restaurants, gas stations, Amazon.com) | 5% backActivation required each quarter; up to the quarterly maximum spend cap. Categories vary each quarter. | — |
| all other purchases | — | 3x pts |
| dining | — | 5x ptsIncluding takeout and eligible delivery services |
| gas stations | — | 5x pts |
| travel | — | 5x ptsExcluding purchases made at hotels participating in IHG One Rewards |
| Benefits | ||
Key Benefits |
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