Editorial take: Discover it Cash Back
The first-year Cashback Match effectively doubles your earnings, someone who earns $300 in cash back gets $600 total. It's the best no-fee first card for building credit with real rewards.
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Side-by-side
Discover it Cash Back vs Navy Federal More Rewards / Flagship Rewards
Both are well-respected travel cards. The Discover it Cash Back comes from Discover at $0/yr; the Navy Federal More Rewards / Flagship Rewards from Navy Federal Credit Union at $49/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.
| Feature | Discover it Cash Back | Navy Federal More Rewards / Flagship Rewards |
|---|---|---|
| Annual fee | $0 | $49 |
| Sign-up bonus | Cashback Match (first year, unlimited) | 35,000 bonus points (a $350 value) |
| Bonus value (est.) | $200 | $350 |
| Min spend to unlock bonus | $0 in 12 mo | $3,500 in ? mo |
| Issuer | Discover | Navy Federal Credit Union |
| Card category | cashback | travel |
| Best earning category (Rotating) | 5x | 1x |
| Transfer partners | None | None |
| Headline benefits |
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Read the full review
Discover it Cash Back
$0/yr · Cashback Match (first year, unlimited)
Read the full review
Navy Federal More Rewards / Flagship Rewards
$49/yr · 35,000 bonus points (a $350 value)
Editorial take: Navy Federal More Rewards / Flagship Rewards
Common questions
- Which card has the bigger sign-up bonus, Discover it Cash Back or Navy Federal More Rewards / Flagship Rewards?
- The Navy Federal More Rewards / Flagship Rewards has the bigger bonus, 35,000 bonus points (a $350 value), worth roughly $350, versus Cashback Match (first year, unlimited) (~$200) on the Discover it Cash Back.
- Is the Discover it Cash Back's $0 annual fee worth it compared to the Navy Federal More Rewards / Flagship Rewards?
- The Discover it Cash Back has no annual fee, so the question is whether the Navy Federal More Rewards / Flagship Rewards's $49 fee is justified by its perks. If you'll use enough of the Navy Federal More Rewards / Flagship Rewards's benefits to clear $49 in value annually, it's worth it; otherwise stick with the Discover it Cash Back.
- Can I have both the Discover it Cash Back and Navy Federal More Rewards / Flagship Rewards?
- Yes, since they're from different issuers (Discover and Navy Federal Credit Union) 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 Discover it Cash Back or the Navy Federal More Rewards / Flagship Rewards first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Discover it Cash Back: $0 spend in 12 months. Navy Federal More Rewards / Flagship Rewards: $3,500 in ? 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.