Discover it vs Blue Cash Preferred
Head to head on annual fee, rewards by category, and net value over a typical year of spending.
| Category | Discover it | Blue Cash Preferred |
|---|---|---|
| Annual fee | $0 | $95 |
| Welcome bonus (est.) | $0 | $2 |
| Dining | 5% | 1% |
| Groceries | 5% | 6% |
| Gas | 5% | 3% |
| Travel | 1% | 1% |
| Online shopping | 1% | 1% |
| Entertainment | 5% | 6% |
| Transit | 1% | 1% |
| Everything else | 1% | 1% |
| Net rewards / yr | $808 | $557 |
The verdict: Discover it vs Blue Cash Preferred
On a typical US spending profile, the Discover it comes out ahead — about $251 more in net annual rewards. But the winner for you depends on where you actually spend. Compare them on your own numbers, or use WalletFlo with your real transactions.
Annual rewards breakdown
Discover it: ~$808 in rewards before fees. Blue Cash Preferred: ~$652 before fees.
Reviews & calculators
Discover it review · Blue Cash Preferred review · Discover it calculator · Blue Cash Preferred calculator · Interactive compare
Frequently asked questions
- Is Discover it or Blue Cash Preferred better?
- On a typical US spending profile, Discover it delivers about $251 more in net annual value. Your winner depends on where you actually spend.
- What is the annual fee on Discover it vs Blue Cash Preferred?
- Discover it: $0/year. Blue Cash Preferred: $95/year.
- How is net annual value calculated?
- WalletFlo projects annual rewards from category earn rates on a default spend profile, adds credits and perks, and subtracts the annual fee.