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Side-by-side

Chase Sapphire Preferred vs Discover it Miles

Both are travel travel cards. The Chase Sapphire Preferred comes from Chase at $95/yr; the Discover it Miles from Discover at $0/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

For most people the Chase Sapphire Preferred is the stronger pick today, the sign-up bonus is meaningfully larger ($1,050 more in estimated value) than the Discover it Miles's. Get the Chase Sapphire Preferred first; revisit the Discover it Miles after you've earned that bonus.

FeatureChase Sapphire PreferredDiscover it Miles
Annual fee$95$0
Sign-up bonus75,000 pointsUnlimited Miles Match (entire first-year miles doubled)
Bonus value (est.)$1,500$450
Min spend to unlock bonus$5,000 in 3 mo$0 in 12 mo
IssuerChaseDiscover
Card categorytraveltravel
Best earning category (Travel)5x1.5x
Transfer partnerschase-urNone
Headline benefits
  • 5x on travel booked via Chase
  • 3x on dining & streaming
  • $50 annual hotel credit
  • Transfer to 13 partners (Hyatt 1:1)
  • 1.5x everywhere
  • First-year match = 3x
  • No annual fee
  • No foreign tx fees
Read the full review
Chase Sapphire Preferred
$95/yr · 75,000 points
Read the full review
Discover it Miles
$0/yr · Unlimited Miles Match (entire first-year miles doubled)

Editorial take: Chase Sapphire Preferred

The best starter travel card, period. Transferable points, solid bonus categories, and a low annual fee make this the card we recommend to almost everyone getting into the points game. Note: the 10% anniversary points bonus sunsets October 1, 2026.

Editorial take: Discover it Miles

A rare card that effectively earns 3x in year one (1.5x + match). Miles aren't transferable, but the simplicity + first-year match make this a strong starter travel card.

Common questions

Which card has the bigger sign-up bonus, Chase Sapphire Preferred or Discover it Miles?
The Chase Sapphire Preferred has the bigger bonus, 75,000 points, worth roughly $1,500, versus Unlimited Miles Match (entire first-year miles doubled) (~$450) on the Discover it Miles.
Is the Chase Sapphire Preferred's $95 annual fee worth it compared to the Discover it Miles?
At $95/yr, the Chase Sapphire Preferred is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the Discover it Miles's, pick the one whose perks you'll actually use.
Can I have both the Chase Sapphire Preferred and Discover it Miles?
Yes, since they're from different issuers (Chase and Discover) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
Should I get the Chase Sapphire Preferred or the Discover it Miles first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Chase Sapphire Preferred: $5,000 spend in 3 months. Discover it Miles: $0 in 12 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.

Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.