Chase vs Discover
Discover CASHBACK pays 17.49% APR; Chase CASHBACK pays 18.24%. Trade-offs depend on what you prioritize — see the breakdown below.
Option A
Chase
- 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 Chase →Option B
Discover
17.49%
APR
- Min
- $0
- Fee
- $0/mo
Best for: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
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.