Discover it Cash Back vs. Amazon Store Card
Even split across the criteria below. Pick the one whose strengths match how you'll actually use it.
Discover it Cash Back
Discover
Amazon Store Card
Synchrony
Discover it Cash Back and Amazon Store Card split the criteria evenly. Neither is the obvious all-rounder; the right pick depends on which dimensions matter to you.
Discover it Cash Back wins on earning ceiling; Amazon Store Card wins on foreign transactions.
Who wins what
1 vs 1 (2 tie)- First-year math Tie
Both cards land within $25 of each other after the annual fee.
- Annual fee Tie
Same annual fee.
- Earning ceiling Discover it Cash Back
Discover it Cash Back earns more on its best category (5× vs 0×).
- Foreign transactions Amazon Store Card
Amazon Store Card has a lower (or zero) foreign transaction fee.
By the numbers
- Annual fee
- Free
- Free
- Welcome offer (typical value)
- —
- —
- First-year net
- +$0
- +$0
- Peak earning rate
- 5×
- —
- Top categories
- Rotating Quarterly
- —
- Lounge access
- No
- No
- Travel insurance
- No
- No
- Elite status
- No
- No
- Foreign transaction fee
- None
- Not disclosed
- Reward currency
- Discover Cashback
- —
Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.