Chase Sapphire Preferred vs. Discover it Miles Card

Learn about two travel rewards cards – the Chase Sapphire Preferred and the Discover it Miles. You’ll get all the information you need to choose which card is best for you. The Chase Sapphire Preferred gets the recommendation for its travel-friendly features.

Chase Sapphire Preferred

People love the Chase Sapphire Preferred because of the massive introductory bonus points offer, which can help you pay for your next trip even sooner than you'd hoped. The Chase Sapphire Preferred gives its cardholders lots of bonus points if they spend to earn them. With this philosophy, you can earn a flight in no time.

The biggest customer complaint about Chase Sapphire Preferred is the annual fee, since people don't like to pay to earn points. Although Chase gives you a break in year one by waiving it, cardholders will soon find they have to suck it up and deal with a fee if they want to get rewarded. All in all, however, if you travel a lot, the chance to earn extra points per dollar on travel and dining is an appealing feature of the Chase Sapphire Preferred.

Discover it Miles

While a lot of travel cards (including the Chase Sapphire Preferred) waive the annual fee for the first year, and most charge you a fee every year after that, the Discover it Miles card has no annual fee at all.

People love the Discover it Miles card because they get their points matched after the initial period. Unlike the Chase Sapphire Preferred, this card doesn't give you a traditional intro bonus, but to its credit, there are no limits on what you can earn or how many points can be matched.

The biggest customer complaint about the Discover it card is that it doesn't give you a chance to earn more miles for travel and dining. It's hard to complain about earning above average points for every dollar spent on everything with no limits. However, if you spend a lot more on travel and dining than you do on other things, you should be looking for a card that rewards your high-flying lifestyle.

Decision Time

Chase Sapphire Preferred offers more rewards points for people who love to travel. If you travel a lot, you can't really go wrong with the Chase Sapphire Preferred credit card. All the money you already spend on travel and restaurants can earn you a high rate of travel miles.

When you sign up, there is already a big head start with a large boon of bonus points. Then you can redeem all those miles for more travel at a higher rate. The Discover it Miles card falls short with a lower rate to earn and convert points on travel.

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Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.