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Discover it Cash Back vs IHG One Rewards Premier Credit Card
Side-by-side comparison of fees, rewards, benefits, and more.
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Feature Comparison
| Feature | Discover it Cash BackDiscover | IHG One Rewards Premier Credit CardChase |
|---|---|---|
| Rating | 4.4/5 | 4.2/5 |
| Annual Fee | $0 | $99 |
| APR | 17.49% - 26.49% | 19.49% - 27.99% |
| Signup Bonus | Cashback Match — unlimited dollar-for-dollar match of all cash back earned in first year | 175,000 bonus points after spending $5,000 in 3 months (limited-time) |
| Rewards Rate | 5% on rotating quarterly categories (up to $1,500/quarter, activation required), 1% on everything else | 26X at IHG hotels, 5X on travel/dining/gas, 3X on everything else |
| Credit Score | good | good |
| Pros | First-year Cashback Match doubles all rewards $0 annual fee 5% rotating categories can be very lucrative | 26X at IHG hotels and 5X on travel, dining, and gas Free night award each anniversary (up to 40,000 points) Automatic IHG Platinum Elite status |
| Cons | Must activate quarterly categories $1,500 quarterly cap on 5% categories Discover not accepted as widely as Visa/Mastercard | IHG points worth ~0.5cpp — need high volume for value $99 annual fee Best value only for frequent IHG guests |
| View Details → | View Details → |
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Verdict
Our Pick: Discover it Cash Back
With a 4.4/5 rating, the Discover it Cash Back edges out the IHG One Rewards Premier Credit Card (4.2/5). No annual fee makes it easy to justify. Discover it Cash Back is the best starter rewards card. The first-year Cashback Match effectively gives you 10% on rotating categories and 2% on everything else. Hard to beat for year one.