Discover it® Cash Back vs. Blue Cash Preferred® Card from American Express
Side-by-side comparison · Updated 2026 · Independently reviewed
Discover it® Cash Back
Discover
4.5
5% rotating categories. Cashback Match at end of first year.
Full review →
Blue Cash Preferred® Card from American Express
American Express
4.6
6% at U.S. supermarkets (up to $6k/yr). 6% on select streaming.
Full review →WealthSpott Verdict
Discover it® Cash Back wins on more measurable categories — particularly annual cost. Blue Cash Preferred® Card from American Express may still win for your wallet depending on how you spend.
Feature
Discover it® Cash
Blue Cash Preferred®
Annual Fee
$0 Best
$95/yr
Sign-up Bonus
Cashback Match
$350
Rewards Rate
1%-5%
1%-6%
Rewards Type
Cash Back
Cash Back
0% Intro APR
0% for 15 months
0% for 12 months
Regular APR
18.24%-28.24% Variable Best
19.24%-29.99% Variable
Foreign Transaction Fee
Yes
Yes
Recommended Credit Score
670-850
670-850
Discover it® Cash Back
Pros
- Cashback Match doubles first-year earnings
- 5% rotating categories
Cons
- Quarterly category activation required
Blue Cash Preferred® Card from American Express
Pros
- 6% back at U.S. supermarkets (up to $6k/year)
- 6% on select streaming subscriptions
- $0 intro annual fee for first year
Cons
- $95 annual fee after first year
- 6% grocery bonus caps at $6,000/year
- Foreign transaction fee
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