Bank of America® Travel Rewards credit card vs. Discover it® Cash Back
Side-by-side comparison · Updated 2026 · Independently reviewed
Bank of America® Travel Rewards credit card
Bank of America
4.2
1.5x points on all purchases. No annual fee. No foreign transaction fee.
Full review →
Discover it® Cash Back
Discover
4.5
5% rotating categories. Cashback Match at end of first year.
Full review →WealthSpott Verdict
Bank of America® Travel Rewards credit card and Discover it® Cash Back are closely matched. The right choice depends on your top spending categories and whether you'll use each card's perks.
Feature
Bank of America®
Discover it® Cash
Annual Fee
$0
$0
Sign-up Bonus
25,000 points
Cashback Match
Rewards Rate
1.5x
1%-5%
Rewards Type
Points
Cash Back
0% Intro APR
0% for 15 billing cycles
0% for 15 months
Regular APR
19.24%-27.24% Variable
18.24%-28.24% Variable Best
Foreign Transaction Fee
None Best
Yes
Recommended Credit Score
670-850
670-850
Bank of America® Travel Rewards credit card
Pros
- 1.5x on all purchases with no annual fee
- No foreign transaction fee
- 0% intro APR for 15 billing cycles
Cons
- Lower earning rate than premium travel cards
- Points only redeem as travel statement credits
Discover it® Cash Back
Pros
- Cashback Match doubles first-year earnings
- 5% rotating categories
Cons
- Quarterly category activation required
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