Discover It Miles vs US Bank Cash+
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Discover It Miles wins 2-1. No-fee flat travel earn — first-year doubled effectively makes it 3x. US Bank Cash+ is still the right call if 5% on 2 chosen categories + 2% on 1 chosen — fully customizable..
Side-by-side
| Criterion | Discover It Miles | US Bank Cash+ |
|---|---|---|
| Annual fee | = No annual fee | = No annual fee |
| Joining fee | = None | = None |
| Top reward rate | · 1.5% (general) | 5% (shopping) |
| Base reward rate | 1.5% | · 1% |
| Forex markup | No FX fee | · 3% |
| Welcome bonus | = Discover doubles all miles earned in your first year (Mile Match) | = $200 statement credit after $1,000 spend in 120 days |
| Fee waiver threshold | = N/A (no fee) | = N/A (no fee) |
| Min income | = — | = — |
| Min credit score | = 670 | = 670 |
| Editorial rating | = 4.4/5 | = 4.4/5 |
Benefits compared
Discover It Miles
- 1.5x miles on every purchase
- Discover Mile Match: doubles all miles earned in year 1
- Redeem against any travel purchase
- No annual fee, no foreign transaction fees
- Free FICO score
US Bank Cash+
- 5% on 2 categories you choose ($2,000 quarterly cap)
- 2% on 1 chosen everyday category (gas, grocery, restaurants)
- 1% on everything else
- No annual fee
- Quarterly category swap
FAQ
›Discover It Miles vs US Bank Cash+: which is better?
Discover It Miles wins on more dimensions (2 vs 1). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use Discover It Miles for its best categories, US Bank Cash+ for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Discover It Miles: Discover doubles all miles earned in your first year (Mile Match). US Bank Cash+: $200 statement credit after $1,000 spend in 120 days.