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Chase Sapphire Reserve vs Discover it Cash Back
Side-by-side comparison of fees, rewards, benefits, and more.
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Feature Comparison
| Feature | Chase Sapphire ReserveChase | Discover it Cash BackDiscover |
|---|---|---|
| Rating | 4.7/5 | 4.4/5 |
| Annual Fee | $795 | $0 |
| APR | 19.49% - 27.99% | 17.49% - 26.49% |
| Signup Bonus | 125,000 points after spending $6,000 in 3 months | Cashback Match — unlimited dollar-for-dollar match of all cash back earned in first year |
| Rewards Rate | 8X on flights, hotels & car rentals via Chase Travel, 4X on flights & hotels booked direct, 3X on dining, 1X on everything else | 5% on rotating quarterly categories (up to $1,500/quarter, activation required), 1% on everything else |
| Credit Score | excellent | good |
| Pros | Priority Pass lounge access and $300 annual travel credit 8X on flights, hotels & cars via Chase Travel, 4X booked direct Points worth 50% more when redeemed through Chase Travel | First-year Cashback Match doubles all rewards $0 annual fee 5% rotating categories can be very lucrative |
| Cons | $795 annual fee is steep even with credits Travel credit only applies through Chase Travel portal Diminishing value if you don't travel frequently | Must activate quarterly categories $1,500 quarterly cap on 5% categories Discover not accepted as widely as Visa/Mastercard |
| View Details → | View Details → |
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Verdict
Our Pick: Chase Sapphire Reserve
With a 4.7/5 rating, the Chase Sapphire Reserve edges out the Discover it Cash Back (4.4/5). At $795/yr, the value proposition is strong. The Chase Sapphire Reserve is a premium travel card built for frequent travelers. With 8X on travel through Chase Travel, 4X on flights and hotels booked direct, $300 in annual travel credits, and Priority Pass lounge access, it delivers serious value if you can put its perks to work.