Discover it® Cash Back vs GM Rewards Mastercard
Discover it® Cash Back earns more in 5 of the 6 categories we track. Neither has an annual fee.
The basics
| Detail | Discover it® Cash Back | GM Rewards Mastercard |
|---|---|---|
| Annual fee | None | None |
| Card type | Personal | Personal |
| Rewards | Cash Back | GM Rewards Points |
| Each point is worth | 1.00¢ | 1.00¢ |
| Everywhere else | 1x | 3x |
| Welcome bonus | $200 statement credit after $500 in 3 months | 30,000 bonus points after $1,000 in 90 days |
What each earns
| Category | Discover it® Cash Back | GM Rewards Mastercard |
|---|---|---|
| Dining & Restaurants | 5.0% (higher) 5x, rotating (quarterly), up to $1,500 | 3.0% 3x |
| Entertainment | 5.0% (higher) 5x, rotating (quarterly), up to $1,500 | 3.0% 3x |
| Internet & Cable | 5.0% (higher) 5x, rotating (quarterly), up to $1,500 | 3.0% 3x |
| Phone & Wireless | 5.0% (higher) 5x, rotating (quarterly), up to $1,500 | 3.0% 3x |
| Utilities | 5.0% (higher) 5x, rotating (quarterly), up to $1,500 | 3.0% 3x |
| Everything else | 1.0% 1x | 3.0% (higher) 3x |
Returns are the points per dollar times what a point is worth, using your smart setting. Caps and rotating categories change what you actually earn. How we value rewards
The better question is which one adds more to the cards you already have.
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