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Chase Sapphire Reserve vs Discover it Miles
Side-by-side comparison of fees, rewards, benefits, and more.
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Feature Comparison
| Feature | Chase Sapphire ReserveChase | Discover it MilesDiscover |
|---|---|---|
| Rating | 4.7/5 | 4.2/5 |
| 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 | Unlimited Mile-for-Mile match for all miles 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 | 1.5X miles on every purchase |
| 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 Miles Match doubles all rewards to effectively 3X $0 annual fee and no foreign transaction fees 0% intro APR for 15 months on purchases and balance transfers |
| 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 | 1.5X base rate is average after first year Discover not accepted as widely internationally No transfer partners or premium travel perks |
| 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 Miles (4.2/5). 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.