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Discover Discover it Balance Transfer vs Discover it Cash Back

Both are Discover cards. Here is every spend category, ranked by what each card actually returns.

Best card by category Card terms as of Oct 31

Everything else

  1. Discover it Balance Transfer 1.0% 1% base rate
  2. Discover it Cash Back 1.0% 1% base rate

Dining

  1. Discover it Balance Transfer 5.0% 5%, rotating this quarter
  2. Discover it Cash Back 5.0% 5%, rotating this quarter

Entertainment

  1. Discover it Balance Transfer 5.0% 5%, rotating this quarter
  2. Discover it Cash Back 5.0% 5%, rotating this quarter

Utilities

  1. Discover it Balance Transfer 5.0% 5%, rotating this quarter
  2. Discover it Cash Back 5.0% 5%, rotating this quarter

What the numbers are doing

These cards return the same effective rate in all 60 categories, so the ranking cannot separate them. Pick on annual fee instead: Discover it Balance Transfer $0, Discover it Cash Back $0.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseDiscover it Balance Transfer1.0%
DiningDiscover it Balance Transfer5.0%
EntertainmentDiscover it Balance Transfer5.0%
UtilitiesDiscover it Balance Transfer5.0%

Content preview. Apple Wallet controls the layout; visible categories vary by device. Categories that rank the same as Everything else are left off; every other category is in pass details.

Every category, every card

Everything else

  1. Discover it Balance Transfer — 1.0%
  2. Discover it Cash Back — 1.0%

Dining

  1. Discover it Balance Transfer — 5.0%
  2. Discover it Cash Back — 5.0%

Entertainment

  1. Discover it Balance Transfer — 5.0%
  2. Discover it Cash Back — 5.0%

Utilities

  1. Discover it Balance Transfer — 5.0%
  2. Discover it Cash Back — 5.0%
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