American Express® Gold Card vs. Discover it® Balance Transfer
Side-by-side comparison · Updated 2026 · Independently reviewed
American Express® Gold Card
American Express
4.7
4x at restaurants and U.S. supermarkets. $120 dining credit.
Full review →
Discover it® Balance Transfer
Discover
4.3
0% intro APR on balance transfers for 18 months.
Full review →WealthSpott Verdict
Discover it® Balance Transfer wins on more measurable categories — particularly annual cost. American Express® Gold Card may still win for your wallet depending on your spending patterns.
Feature
American Express® Gold
Discover it® Balance
Annual Fee
$250/yr
$0 Best
Sign-up Bonus
60,000 points
Cashback Match
Rewards Rate
1x-4x
1%-5%
Rewards Type
Points
Cash Back
0% Intro APR
N/A
0% for 18 months
Regular APR
See terms
18.24%-28.24% Variable Best
Foreign Transaction Fee
None Best
Yes
Recommended Credit Score
670-850
670-850
American Express® Gold Card
Pros
- 4x at restaurants worldwide and U.S. supermarkets
- $120 dining credit + $120 Uber credit annually
- No foreign transaction fee
Cons
- $250 annual fee
- Credits require specific merchants to maximise
Discover it® Balance Transfer
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