Discover it® Balance Transfer vs BankAmericard® Credit Card: Which Earns More?
The verdict
On typical spending the Discover it® Balance Transfer nets $346 a year after fees, $346 more than the BankAmericard® Credit Card at $0. The Discover it® Balance Transfer stays ahead at every spending level we model.
Who earns more, by the numbers
| Spending level | Discover it® Balance Transfer | BankAmericard® Credit Card | Winner |
|---|---|---|---|
| Light spender ($1,200/mo) | $173/yr | $0/yr | Discover it® Balance Transfer |
| Typical spender ($2,400/mo) | $346/yr | $0/yr | Discover it® Balance Transfer |
| Heavy spender ($4,500/mo) | $648/yr | $0/yr | Discover it® Balance Transfer |
Net of annual fees, typical category mix at baseline point values. The same card wins at every spending level here.
Discover it® Balance Transfer
Discover
3.3/5
Annual Fee:$0
APR:17.24%-28.24% variable
Welcome Bonus: Cashback Match: Discover matches all cash back earned in your first year
Rewards: 2% cash back at gas stations and restaurants (up to $1,000/quarter), 1% on everything else
EARNS MORE ON TYPICAL SPEND
The tables above are computed from each card's typed rewards rates and current
fees, on the same spending profiles used across the site. Editorial context to
follow.
FAQ
Which is better, the Discover it® Balance Transfer or the BankAmericard® Credit Card?▼
On typical spending the Discover it® Balance Transfer nets $346 a year after fees, $346 more than the BankAmericard® Credit Card at $0. The Discover it® Balance Transfer stays ahead at every spending level we model.