American Express vs Discover
American Express CARDS pays 17.49% APR; Discover CARDS pays 17.49%. 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: Earn 130,000 Bonus Points plus a Free Night Reward after you spend $3,000 in purchases on the Hilton Honors American Express Surpass Card in the first 6 months of Card Membership. Offer ends 01/13/202
Open with American Express →Option B
Discover
17.74%
APR
- Min
- $0
- Fee
- $0/mo
Best for: Get a 0% intro APR for 15 months on purchases and balance transfers; balance transfer fee applies. Then 18.74% - 28.74% Standard Variable Purchase APR applies, based on credit worthiness
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 10/25/2026.