American Express vs Discover
Discover CARDS pays 17.49% APR; American Express CARDS pays 17.74%. Trade-offs depend on what you prioritize — see the breakdown below.
Option A
American Express
19.49%
APR
- Min
- $0
- Fee
- $0/mo
Best for: INTRO OFFER: Unlimited Cashback Match for all new cardmembers. Discover will automatically match all the cash back youve earned at the end of your first year! Theres no minimum spending or maximum rew
Open with American Express →Option B
Discover
17.49%
APR
- Min
- $0
- Fee
- $0/mo
Best for: Earn $1,500 Cash Back in the form of Reward Dollars after you spend $50,000 in purchases on your new Card within the first 6 months of Card Membership. Reward Dollars can be redeemed as statement cred
Open with Discover →How this comparison was built
Rates and fees are pulled from each provider's published rate disclosures and reviewed by our product data pipeline. The verdict above is generated from the verified data — we don't accept payments to influence rankings. Last refreshed 9/6/2026.