Discover it® Cash Back vs Unlimited Cash Rewards
Discover it® Cash Back
$0/yr
7.0/10
VS
Unlimited Cash Rewards
$0/yr
7.0/10
Quick Answer
Discover it® Cash Back charges no annual fee with 1X base rewards. Unlimited Cash Rewards charges no annual fee with 1X base rewards. Discover it® Cash Back offers a slight edge depending on your spending when comparing fees, rewards, and benefits side by side.
Apply for Discover it® Cash Back →
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Winner by Category
Annual Fees
Discover it® Cash Back
Lower annual fee ($0 vs $0)
Rewards Earning
Discover it® Cash Back
2 earning categories
Benefits & Protection
Discover it® Cash Back
8 benefits vs 0
Flexibility
Tie
Both cards have similar redemption flexibility
OUR PICK
Discover it® Cash Back edges ahead
Better rewards and benefits at the same fee level.
Apply for Discover it® Cash BackPREMIUM PICK
Unlimited Cash Rewards is a strong alternative
Competitive features make it worth considering.
Apply for Unlimited Cash RewardsRewards Earning: Detailed Comparison
Discover it® Cash Back
| Rotating 5% Categories | 5.0X (up to $1,500) |
| Everything Else | 1.0X |
Unlimited Cash Rewards
| Everything | 1.5X |
Card Benefits: Detailed Comparison
Discover it® Cash Back (8 benefits)
- Rental Car Collision Damage Waiver
- Purchase Protection (up to $500)
- Extended Product Warranty
- Extended Warranty Protection
- Return Protection (up to $500)
- $0 Fraud Liability Guarantee
- Free FICO® Credit Score
- Freeze It® Card Lock
Unlimited Cash Rewards (0 benefits)
No benefits data available