Discover it® Cash Back Card
vs. BankAmericard® Credit Card

The Discover it® Cash Back Card and the BankAmericard® Credit Card both offer enticing 0% introductory APRs, appealing if you’re looking to transfer balances or finance purchases without immediate interest. The BankAmericard edges ahead if you’re prioritizing a longer introductory APR period on balance transfers.

But the Discover it Cash Back is a strong contender for its cash back rewards, particularly in rotating categories. While the BankAmericard is unmatched in its lengthy 0% APR offer, the Discover it Cash Back's reward structure should not be overlooked if you can benefit from its cash back categories.

You might prefer the BankAmericard if you're looking for a straightforward credit card with a long introductory APR period. Its 18 billing cycles of 0% APR on purchases and balance transfers can be particularly beneficial if you're planning a large purchase or want to consolidate debt. But it lacks a rewards program and charges foreign transaction fees, which might not be ideal for travelers or those who value earning rewards on their spending.

You might prefer the Discover it Cash Back if you enjoy optimizing your spending to earn rewards. With 5% cash back in rotating categories and a first-year cash back match, this card can be rewarding for those who track and activate the bonus categories. Additionally, the lack of foreign transaction fees makes it a good choice for international use. The rotating categories require activation and have quarterly caps.

Evaluating features like APRs, fees, credit requirements, rewards and introductory offers will clarify which card is for you. For instance, if you prefer earning rewards, the Discover it Cash Back's rotating categories might appeal to you, while the BankAmericard could be favorable for its longer intro APR period on balance transfers.

MoneyGeek conducts thorough reviews and evaluations of credit cards for various use cases, such as balance transfers and cash back rewards. In this comparison, both the Discover it Cash Back and BankAmericard are assessed based on their performance in balance transfers, which is their highest-scoring use case.

The largest factors in determining their scores include the quality of the balance transfer offer and the introductory purchase APR. Other considerations include issuer satisfaction and penalty rates. This approach ensures that you can make an informed decision on which card aligns best with your financial needs.