Chase Sapphire Preferred (8.7/10) wins for most people. Discover it Cash Back wins for a specific profile.
Entry-level premium travel card for $300+/month dining. Best first rewards card. 3x dining + $95 fee = correct math for most people.
Apply now →First credit card / building credit. Best first card. Year-one Cashback Match doubles every dollar earned.
Apply now →| Chase Sapphire Preferred | Discover it Cash Back | |
|---|---|---|
| Claire's score | 8.7/10 | 7.6/10 |
| Price | — | — |
| Top strength | 3x points on dining | Year-one Cashback Match effectively doubles all earnings |
| Biggest drawback | $95 annual fee | Rotating 5% categories require quarterly activation |
Chase Sapphire Preferred is Claire's recommendation for most people reading this comparison. Score: 8.7/10. Best first rewards card. 3x dining + $95 fee = correct math for most people.
Discover it Cash Back (7.6/10) is the right choice for a specific situation: first credit card / building credit. If that describes you, the full review has the complete math.
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