Chase Sapphire Preferred® Card vs. Discover it® Balance Transfer
Side-by-side comparison · Updated 2026 · Independently reviewed
Chase Sapphire Preferred® Card
Chase
4.8
Earn 60,000 bonus points. Strong travel and dining rewards.
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. Chase Sapphire Preferred® Card may still win for your wallet depending on your spending patterns.
Feature
Chase Sapphire Preferred®
Discover it® Balance
Annual Fee
$95/yr
$0 Best
Sign-up Bonus
60,000 points
Cashback Match
Rewards Rate
1x-5x
1%-5%
Rewards Type
Points
Cash Back
0% Intro APR
N/A
0% for 18 months
Regular APR
21.49%-28.49% Variable
18.24%-28.24% Variable Best
Foreign Transaction Fee
None Best
Yes
Recommended Credit Score
670-850
670-850
Chase Sapphire Preferred® Card
Pros
- Valuable sign-up bonus (60k points)
- 3x on dining and travel
- No foreign transaction fee
Cons
- $95 annual fee
- Points worth more when redeemed for travel through Chase
Discover it® Balance Transfer
Not sure which card is right for you?
Browse all credit cards