Discover it® Cash Back vs Discover it® Miles

Discover it® Cash BackDiscover it® Cash Back

Discover

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Discover it® MilesDiscover it® Miles

Discover

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Annual Fee
No Annual Fee
No Annual Fee
Card Type
Personal
Personal
Rewards Currency
Cash Back
Discover Miles
Point Value
1.00¢/pt
1.00¢/pt
Base Earn Rate
1x
1.5x
Welcome Bonus
$100 with any purchase in 90 days
$100 with any purchase in 90 days

Effective return by category

CategoryDiscover it® Cash BackDiscover it® Miles
Dining & Restaurants5.00%
5x · Rotating (Quarterly) · $1,500 cap
1.50%
1.5x
Entertainment5.00%
5x · Rotating (Quarterly) · $1,500 cap
1.50%
1.5x
Phone & Wireless5.00%
5x · Rotating (Quarterly) · $1,500 cap
1.50%
1.5x
Internet & Cable5.00%
5x · Rotating (Quarterly) · $1,500 cap
1.50%
1.5x
Everything else1.00%
1x
1.50%
1.5x

Returns use our default point valuations — multiplier × point value. Caps and rotating categories affect real-world earnings.

The better question: which one adds more to your wallet?

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