Discover it® Chrome vs. Discover it® Cash Back
If you like most of what the Discover it® Chrome has to offer, but want the opportunity to earn a higher cash back rate in a variety of spending categories, the Discover it® Cash Back could be best for you.
The main difference between the Discover it® Chrome and Discover it® Cash Back is instead of a flat cash back rate and elevated earning in gas stations and restaurants, the Discover it® Cash Back offers cash back in popular categories that rotate quarterly. However, the rotating categories require activation.
You’ll earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
You have the potential to earn much more cash back each year if you max out the card’s bonus spending limit. The quarterly maximum is $1,500, allowing you to earn up to $75 cash back in the 5% categories each quarter. Purchases over $1,500 in the bonus categories earn an unlimited 1% cash back.
Discover it® Chrome vs. Blue Cash Preferred® Card from American Express
The Blue Cash Preferred® Card from American Express has a $0 intro annual fee for the first year, then $95. That fee can be worth it for people who spend a lot on groceries. You’ll earn 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 6% Cash Back on select U.S. streaming subscriptions, 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more), 1% Cash Back on other purchases. Terms apply. Cash back can easily be redeemed for statement credits.
Although it has an annual fee, you can potentially earn more with it than the Discover it® Chrome if you frequently shop at U.S. supermarkets. It has a much higher rewards rate on that category up to $6,000 per year — but also higher rewards on U.S. streaming subscriptions, U.S. gas stations and transit.
If you don’t mind paying an annual fee, the Blue Cash Preferred® Card from American Express is likely a better fit. Plus, it comes with an $84 credit for The Disney Bundle and $120 Equinox+ credit (enrollment required) to help cover the annual fee.
Discover it® Chrome vs. Citi® Double Cash Card – 18 month BT offer
The Citi® Double Cash Card is a great $0-annual-fee cash back card. The Discover it® Chrome only offers 2% cash back on select categories up to a point, but the Citi® Double Cash Card lets you earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
Although the Citi® Double Cash Card can offer unlimited rewards, not earning your rewards all at once can be confusing for cardholders. The card also doesn’t offer a sign-up bonus, which is a big downside since most other no-annual-fee cash back cards offer at least $200 after qualifying purchases.
However, the Citi® Double Cash Card offers a longer intro APR on balance transfers than the Discover it® Chrome: 0% for 18 months on Balance Transfers, then a 19.24% - 29.24% (Variable) APR applies.
So if you’re looking for a cash back card that you can also use for a balance transfer, the Citi® Double Cash Card may be a good option. If you’re looking for a simpler option and want to earn a sign-up bonus, then the Discover it® Chrome could be best.