Discover Credit Card vs. Chase: Which One Should You Get in 2025?
When it comes to choosing a credit card in 2025, Discover and Chase stand out as two of the most popular issuers in the U.S. Each offers a range of credit cards with appealing benefits, but which one is right for you?
In this comparison, we’ll look at rewards programs, fees, perks, and credit requirements to help you decide between Discover and Chase credit cards.
🏆 1. Overview of Discover Credit Cards
Discover is known for its straightforward cashback rewards, no annual fees, and U.S.-based customer service. Popular cards include:
Discover it® Cash Back: 5% cashback on rotating categories.
Discover it® Student Cash Back: Designed for students with no credit history.
Discover it® Secured Card: Helps build or rebuild credit.
✅ Pros:
No annual fees.
Cashback Match in the first year.
Easy-to-use rewards system.
❌ Cons:
Fewer premium travel benefits.
Not as widely accepted internationally as Visa (especially in Europe).
💳 2. Overview of Chase Credit Cards
Chase offers a wide variety of credit cards, ranging from beginner to premium travel cards.
Popular choices include:
Chase Freedom Unlimited®: Unlimited 1.5% cashback.
Chase Sapphire Preferred®: Perfect for travelers with 2x points on travel and dining.
Chase Slate Edge℠: Good for balance transfers and lowering interest rates.
✅ Pros:
Great for travel and flexible rewards.
Access ttheChase Ultimate Rewards® portal.
Cards for different credit levels.
❌ Cons:
Some cards have annual fees.
Approval can be harder for people with fair/poor credit.
🔍 3. Rewards Comparison
| Feature | Discover | Chase |
|---|---|---|
| Cashback | Yes, up to 5% on rotating categories | Yes, flat and tiered cashback options |
| Travel Rewards | Limited | Strong travel cards with points |
| Signup Bonuses | Cashback Match | Sign-up bonuses up to 60,000+ points |
| Redemption Options | Statement credit, bank deposit | Travel, gift cards, Pay Yourself Back |
💡 4. Best For Whom?
Choose Discover if:
You want simple cashback.
You have no or limited credit history.
You prefer no annual fees.
Choose Chase if:
You travel frequently.
You want to earn flexible points.
You're okay with annual fees in exchange for perks.
📝 5. How to Apply
You can apply for either card directly on their official websites:
Make sure to check:
Your credit score
APR and fees
Card terms and conditions
🔚 Conclusion
Both Discover and Chase offer valuable credit cards, but the best choice depends on your lifestyle and financial goals. If you're starting out or want a no-fee card with simple rewards, go with Discover. If you're a frequent traveler or want more flexible rewards, Chase is likely the better pick in 2025.