Chase
Chase Sapphire Reserve
Credit cards
$550/yrAnnual fee
Explore this product Your shortlist, side by side
Chase Sapphire Reserve vs Discover it Cash Back
Find the differences that matter for your next decision.
Discover
Discover it Cash Back
Credit cards
$0/yrAnnual fee
Explore this product What matters most to you?
Start with all rankable specifications, or focus on a particular use.
Your starting point
Tied overall. Discover it Cash Back charges less a year.
- The 4 rankable overall specs split 2 to 2.
- Saves $550 a year in fees.
How we reached this
We compare the published specifications relevant to your priority. Each rankable specification counts once; your selected requirements can rule a product out. This is a guide to the numbers, not a laboratory performance score.
The trade-off to know
Check first: the Discover it Cash Back has no airport lounge access.
Look at the differences ↓Refine your requirements
What would rule one out?
Side by side
The differences, in detail.
Start with the key specs, then explore as much as you need.
| What you’re comparing | Chase Sapphire Reserve | Discover it Cash Back |
|---|---|---|
| Annual feeFees & Rates | $550 | $0 |
| Regular APRFees & Rates | 21.49% – 28.49% Variable APR | 17.24% – 28.24% Variable APR |
| Late feeFees & Rates | Up to $40 | None on first late payment, then up to $41 |
| Rewards rateRewards & Perks | 10X hotels/cars & 5X flights via Chase Travel, 3X general travel & dining, 1X other | 5% cash back on everyday purchases at different places each quarter (up to $1,500 in quarterly purchases with activation), 1% unlimited on all other purchases |
| Sign-up bonusRewards & Perks | 60,000 Ultimate Rewards points after $4,000 spend in first 3 months | Cashback Match: Discover will automatically match all cash back you earn at the end of your first year with no minimum or limit |
Showing 5 of 10 specifications. Missing values stay unlisted. About the sources
Both sides of the decision
What you gain. What you give up.
Chase Sapphire Reserve
Reasons to choose it
- $300 automatic annual travel statement credit offsets base annual fee
- Complimentary Priority Pass Select lounge access and Sapphire Lounge entry
- 50% bonus point value when redeeming points for travel through Chase Travel (1.5¢ each)
Worth considering
- $550 annual fee plus $75 per authorized user
- Requires Excellent credit (720+) to qualify
Discover it Cash Back
Reasons to choose it
- 5% cash back on quarterly rotating categories (grocery stores, restaurants, gas, Amazon.com) up to $1,500 with activation
- Unlimited Cashback Match: Discover automatically doubles all cash back earned at the end of your first year
- No annual fee, no foreign transaction fees, and free FICO Credit Scorecard
Worth considering
- Requires quarterly category activation
- 5% bonus rate is capped at $1,500 quarterly spend (then 1%)
Beyond the spec sheet
Living with your choice.
Explore the ownership details available for this pair.
What three years could cost
Chase Sapphire Reserve
3-Year Estimated Total$1,650
Discover it Cash Back
3-Year Estimated Total$0
Everyday ownership notes
Documented ergonomic quirks, hardware annoyances, and maintenance realities reported by real owners.
Chase: What to watch for
- Hidden Cost
Priority Pass lounge crowding and long waitlists during peak hours.
Discover: What to watch for
Know what’s behind the comparison
Published specs. Visible sources.
Clinchmark compares manufacturer specifications and other published information. We have not independently lab-tested these products. Editorial assessments and unknown values are identified in the specification details.
Catalog snapshot: September 1, 2026. Prices, availability, and provider terms can change.
Still weighing it up?
Which card has the lower annual fee, Chase Sapphire Reserve or Discover it Cash Back?
Discover it Cash Back charges $550 a year less.
What is the biggest catch with the Chase Sapphire Reserve or Discover it Cash Back?
Chase Sapphire Reserve has this deal-breaker: annual fee. You pay before a single reward is earned.
Which is better for travel, the Chase Sapphire Reserve or the Discover it Cash Back?
Tied on travel. Discover it Cash Back charges less a year. The 2 rankable travel specs split 1 to 1. Saves $550 a year in fees.
What cannot be compared from spec sheets?
Of the 10 specs tracked here, 6 are descriptive and cannot be ranked on numbers alone. Spec sheets also cannot measure subjective factors like build quality, real-world performance, or comfort.