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 Free Spirit Travel More World Elite Mastercard
Both are cashback travel cards. The Discover it Cash Back comes from Discover at $0/yr; the Free Spirit Travel More World Elite Mastercard from Bank of Missouri at $79/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 | Free Spirit Travel More World Elite Mastercard |
|---|---|---|
| Annual fee | $0 | $79 |
| Sign-up bonus | Cashback Match (first year, unlimited) | |
| Bonus value (est.) | $200 | - |
| Min spend to unlock bonus | $0 in 12 mo | - |
| Issuer | Discover | Bank of Missouri |
| Card category | cashback | cashback |
| 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
Free Spirit Travel More World Elite Mastercard
$79/yr ·
Editorial take: Free Spirit Travel More World Elite Mastercard
Common questions
- Which card has the bigger sign-up bonus, Discover it Cash Back or Free Spirit Travel More World Elite Mastercard?
- The Discover it Cash Back has a public bonus (Cashback Match (first year, unlimited), worth roughly $200), while the Free Spirit Travel More World Elite Mastercard doesn't advertise one right now.
- Is the Discover it Cash Back's $0 annual fee worth it compared to the Free Spirit Travel More World Elite Mastercard?
- The Discover it Cash Back has no annual fee, so the question is whether the Free Spirit Travel More World Elite Mastercard's $79 fee is justified by its perks. If you'll use enough of the Free Spirit Travel More World Elite Mastercard's benefits to clear $79 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 Free Spirit Travel More World Elite Mastercard?
- Yes, since they're from different issuers (Discover and Bank of Missouri) 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 Free Spirit Travel More World Elite Mastercard first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Discover it Cash Back: $0 spend in 12 months. Free Spirit Travel More World Elite Mastercard: no published min spend. 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.