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 US Bank Triple Cash Rewards Business
Both are well-respected travel cards. The Discover it Cash Back comes from Discover at $0/yr; the US Bank Triple Cash Rewards Business from U.S. Bank 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 US Bank Triple Cash Rewards Business is the stronger pick today, the sign-up bonus is meaningfully larger ($550 more in estimated value) than the Discover it Cash Back's. Get the US Bank Triple Cash Rewards Business first; revisit the Discover it Cash Back after you've earned that bonus.
| Feature | Discover it Cash Back | US Bank Triple Cash Rewards Business |
|---|---|---|
| Annual fee | $0 | $0 |
| Sign-up bonus | Cashback Match (first year, unlimited) | $750 cash back |
| Bonus value (est.) | $200 | $750 |
| Min spend to unlock bonus | $0 in 12 mo | $6,000 in 6 mo |
| Issuer | Discover | U.S. Bank |
| Card category | cashback | business |
| 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
US Bank Triple Cash Rewards Business
$0/yr · $750 cash back
Editorial take: US Bank Triple Cash Rewards Business
Common questions
- Which card has the bigger sign-up bonus, Discover it Cash Back or US Bank Triple Cash Rewards Business?
- The US Bank Triple Cash Rewards Business has the bigger bonus, $750 cash back, worth roughly $750, 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 US Bank Triple Cash Rewards Business?
- The Discover it Cash Back has no annual fee, so the question is whether the US Bank Triple Cash Rewards Business's $0 fee is justified by its perks. If you'll use enough of the US Bank Triple Cash Rewards Business's benefits to clear $0 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 US Bank Triple Cash Rewards Business?
- Yes, since they're from different issuers (Discover and U.S. Bank) 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 US Bank Triple Cash Rewards Business first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Discover it Cash Back: $0 spend in 12 months. US Bank Triple Cash Rewards Business: $6,000 in 6 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.