Credit Cards » Compare Credit Cards » Discover It Miles vs BoFa Travel Rewards: Which Card Wins?
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Discover It Miles vs BoFa Travel Rewards: Which Card Wins?

If you're looking for an basic travel card, the Discover it Miles is better on our opinion. Here are our thoughts - and a full comparison.
Author: Andrew O'Malley
Andrew O'Malley

Writer, Contributor

Experience

Andrew O’Malley has a BSc in Economics and Finance. He has worked in the finance industry as a risk analyst and is now pursuing a career in writing. In recent years, he has written for a number of leading publications. He studied Economics and Finance and has been fascinated with the financial markets since his teens.
Interest Rates Last Update: April 15, 2024
The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.
Author: Andrew O'Malley
Andrew O'Malley

Writer, Contributor

Experience

Andrew O’Malley has a BSc in Economics and Finance. He has worked in the finance industry as a risk analyst and is now pursuing a career in writing. In recent years, he has written for a number of leading publications. He studied Economics and Finance and has been fascinated with the financial markets since his teens.
Interest Rates Last Update: April 15, 2024

The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.

We earn a commission from our partner links on this page. It doesn't affect the integrity of our unbiased, independent editorial staff. Transparency is a core value for us, read our advertiser disclosure and how we make money.

Table of Content

Bank of America and Discover are two of the country’s most popular financial institutions and offers a raft of credit card options. This review and comparison is going to focus on two cards from this offering.

They both have their unique features, as well as some common features. The Bank of America® Travel Rewards and Bank of America® Cash Rewards are highly popular and you can learn a bit more about if one of these cards is going to be suitable for you.

General Comparison

Discover It miles card review

Bank of America® travel rewards

Discover it® Miles
Bank of America® Travel Rewards
Annual Fee
$0
$0
Rewards
unlimited 1.5x miles for every dollar spent on all purchases
1.5X
Welcome bonus
All miles earned at the end of the first year are matched.
25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening – which can be redeemed for a $250 statement credit toward travel purchases
0% Intro APR
15 months on purchases and balance transfers, then 17.24% – 28.24% Variable APR
15 billing cycles on purchases and balance transfers, then 18.24% – 28.24% Variable APR will apply. APR
Foreign Transaction Fee
$0
$0
Purchase APR
17.24% – 28.24% Variable
18.24% – 28.24% Variable APR will apply.
Read Review
Read Review

Compare Rewards: Which Card Gives More?

While we’ve looked at various card features, in order to understand the real world benefits of the cards, a direct scenario comparison can be very helpful.

Since both cards are designed for everyday spending, we will take a typical monthly spending list to see what rewards you could earn if you have a similar spending pattern.

As you can see, the rewards for these cards are identical. Both cards have the same reward rate and the same redemption rates of 1 cent per mile or point. So, there is very little to separate the cards in this regard.

However, during the first year, Discover will match your rewards at the end of the first year. This means that with this spending pattern, you’ll get a bonus of $370.80, which is almost double the introductory bonus offered by Bank of America.

Discover It miles card review

Bank of America® travel rewards

Spend Per Category
Discover it® Miles
Bank of America® Travel Rewards
$15,000 – U.S Supermarkets
22,500 miles
22,500 points
$3,000 – Restaurants
4,500 miles
4,500 points
$1,500 – Airline
2,250 miles
2,250 points
$1,500 – Hotels
2,250 miles
2,250 points
$4,000 – Gas
6,000 miles
6,000 points
Annual Points
37,500 miles
37,500 points
Estimated Points Redemption Value
1 mile ~ 1 cent
1 point ~ 0.6 – 1 cent
Estimated Annual Value
$375
$225 – $375

Welcome Bonus

This first comparison highlights the difference between the two cards. While both cards offer a sign up bonus, it is completely different with each card. 

While Bank of America has the standard spend requirement within the first 90 days to earn bonus points, Discover will add up all the miles you’ve earned during your first year and match them at the end of the year. This means that if you earn 25,000 miles throughout the first year, at the end of the year, you’ll receive an additional 25,000.

This is a great incentive for those who are planning on regularly using their card and want to save up their miles to make a significant travel purchase at the end of the first year. While you won’t receive this introductory bonus quickly, as you would with the Travel Rewards card, it could add up to a massive bonus, as there is no cap or restriction. 

Overall, there are other travel cards with more attractive sign up bonus.

Fees

In this comparison, the differences between the two cards are far more subtle. At first glance, the Discover It Miles card appears very similar to the Bank of America Travel Rewards. Both cards have no annual fee and no foreign transaction fees. The balance transfer fee is also the same, but Discover has limited this rate until March 2022 and after this point, it is more expensive compared to Bank of America’s.

The main difference is in the rates. Discover generally has a lower APR. However, while both cards offer a 0% APR introductory rate, it is slightly shorter, as Bank of America offers an extra month. This means that if you’re looking to make balance transfers, Bank of America is a slightly better choice.

Although your rate may be a little higher, you don’t need to rush into organizing your balance transfers and you’ll have an extra month to pay it down at 0%.

Compare Perks

This is another area where the cards are quite similar, as neither one offers significant extra benefits. Both cards have the usual access to apps, online account management etc, but there are no outstanding benefits with either card that you may find with other cards

The only real stand out feature is with the Bank of America card, where you can earn up to 75% more points on your purchases if you enroll in the Preferred Rewards program, but this does have qualification requirements.

Overall, the perks are limited but it make sense since there is no annual fee. Most travel cards require an annual fee. For example, the Chase Sapphire Preferred annual cost is $95 .

Unique Perks

Discover it® Miles

Discover It miles card review

If you spend $10,000 over your first 12 months, for example, you’ll accrue 15,000 miles on your card and Discover will match that giving you a total of 30,000 miles earned in your first year. 

This is a great benefit because it gives you time to spend money on your card throughout the year. You don’t have to rush to make lots of purchases the first 3 months like most credit cards limit you to for sign up bonuses.

Some credit cards require you to have a minimum $20 balance before you can access redemptions, but with the Discover It Miles card, there are no minimum requirements. 

This gives you the flexibility to accrue a large balance or redeem a small balance such as one mile.

Bank of America® Travel Rewards

Bank of America® travel rewards

If you are looking to save money on interest, the Bank of America Travel Rewards Credit Card offers a 0% introductory rate for 15 billing cycles on purchases and balance transfers (then 18.24% – 28.24% Variable APR will apply.). 

This is great if you have a big purchase in mind and want to pay over time. Note that there are other cards that offer longer 0% introductory rates.  

Lastly, Bank of America Travel Rewards Credit Card has car rental insurance in excess of the company’s insurance policy. You can also add a PIN to your card for international travel to protect your card in case of theft.

Top Offers

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

Compare The Drawbacks

Before you make a financial decision, it is crucial that you are aware of both the positives and possible drawbacks, so you can have a clear picture of if it is the right choice for you.

So, here we’ll examine potential negatives of each card.

Discover it® Miles

Discover It miles card review

As we touched on earlier, while Discover will match your miles for the first year which can summarize in hundreds of dollars, you won’t receive this until the beginning of year two.

So, if you’re looking for an immediate bonus, this is not the card for you

The balance transfer fee is 5% – one of the highest in the market.

Bank of America® Travel Rewards

Bank of America® travel rewards

While you can obtain an equivalent number of rewards from the Bank of America Travel Rewards as you would with Discover It Miles, if you want to access the best rewards, you’ll need to enroll in the Preferred Rewards program.

For this, you’ll need to have an eligible, active Bank of America checking account and have an average combined balance of $20,000.

Compare Redemption Options

As we mentioned in the intro, both these cards are designed to help you pay for travel purchases, but there are multiple redemption options.

Discover allows you to:

  • Get a statement credit to pay for your travel purchases
  • Use your miles to shop with PayPal and Amazon.com
  • Fund your travel plans: There are no blackout dates and eligible purchases include hotels, restaurants, and airfare.

Bank of America offers you to use your rewards to:

How to Maximize Cards Benefits?

If you want to make the best use of your Discover it® Miles Card, there are some tips to help you:

  • Make all your significant purchases in the first year. If you’re planning on making a large purchase, you can not only take advantage of the 0% APR intro, but Discover will match your miles, so you’ll get a double reward.

  • Use With Other Cards: you only get 1.5x miles flat rate with this card. Therefore, you can use it in conjunction with cards that are better for certain categories.

Discover It miles card review

If you want to make the best use of your Travel Rewards Card, there are some tips to help you:

  • Sign up for Preferred Rewards: If you can meet the membership criteria, joining Preferred Rewards will enhance your rewards. As a Gold Preferred Rewards member, you’d earn an extra 25%. In the above scenario, this would take your monthly rewards from $30.90 to $38.62, which is an extra $92 per year.

  • Link your Bank of America checking account for overdraft protection. If you want to avoid the embarrassment of declined purchases, you can link your checking account to your credit card, which will trigger an automatic transfer if you are close to your card limit.

Bank of America® travel rewards

Top Offers

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

hilton honors card

Rewards Plan:
3X – 7X 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with hotels and resorts within the Hilton portfolio, 5x points at U.S. restaurants (including takeout and delivery) U.S.supermarkets, U.S. gas stations and 3x points for each dollar on other eligible purchases
Welcome Bonus:
70,000 points 70,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership

Marriot bonvoy bevy card art

Rewards Plan:
2x – 6x 6X points on purchases at hotels participating in Marriott Bonvoy, 4X points at restaurants worldwide (including takeout and delivery in the U.S.) and U.S. supermarkets (up to $15,000 in combined purchases per year, then 2X points), 2X points on all other purchases
Welcome Bonus:
85,000 points 85,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

hilton honors card

Rewards Plan:
3X – 7X 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with hotels and resorts within the Hilton portfolio, 5x points at U.S. restaurants (including takeout and delivery) U.S.supermarkets, U.S. gas stations and 3x points for each dollar on other eligible purchases
Welcome Bonus:
70,000 points 70,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership

Marriot bonvoy bevy card art

Rewards Plan:
2x – 6x 6X points on purchases at hotels participating in Marriott Bonvoy, 4X points at restaurants worldwide (including takeout and delivery in the U.S.) and U.S. supermarkets (up to $15,000 in combined purchases per year, then 2X points), 2X points on all other purchases
Welcome Bonus:
85,000 points 85,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

Customer Reviews: Which Card Wins?

Satisfied cardholders report that this card is simple to use for your everyday spending. You don’t need to worry about spending categories or caps. Additionally, the miles match bonus for the first year is also praised as a nice incentive.

Negative comments are centered around the limited time window for balance transfers. You’ll need to be quick to arrange any balance transfers before the fee increases. This is certainly an area where Bank of America comes out ahead as its fee remains at 3%.

Discover It miles card review

Satisfied borrowers report this card is a great fit if you already have Bank of America products or are considering opening a Bank of America checking account, as you can link your card and earn extra rewards if you join Preferred Rewards.

The negative reviews tend to relate to poor customer service. Some newer customers have reported card freezing issues and charges even when the balance has been cleared in full.

Bank of America® travel rewards

Bottom Line

While these cards appear very similar, there are some important differences. If you’re looking for a card offering rewards to fund your travel plans, either card could work for you. 

However, there are scenarios when one card may be a better choice compared to the other.

When You Might Want the Discover it® Miles?

The Discover it® Miles Card is a good choice if you:

  • You are prepared to wait to receive your introductory bonus, as you’ll get your miles matched at the end of the first year.

  • You're a frequent traveler that can take advantage of the miles you accumulate.

When You Might Want the Cash Travel Card?

The Bank of America Travel Rewards Card is a good choice if you:

  • You are looking for a quick cash introductory bonus

  • You are already a Bank of America customer and can link your checking account

  • You qualify for the Preferred Rewards membership program, as you’ll get extra rewards.

Compare Discover It Miles

The Discover it Miles and Chrome Gas & Restaurant offer a different rewards structure and basic benefits.

Discover it Miles vs. Chrome Gas & Restaurant: How They Compare

The Capital One Venture is a clear winner as it offers a better miles rewards ratio and extra travel benefits. But it charges an annual fee.

Discover it Miles vs. Capital One Venture Card: How They Compare?

Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
50,000 miles 50,000 bonus miles after you spend $3,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
50,000 miles 50,000 bonus miles after you spend $3,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
Up to 3x miles 3 miles per $1 spent on United purchases immediately after earning your $125 annual United purchase credit, 2 miles on all other travel and select streaming services, 1 mile on all other purchases
Welcome Bonus:
60,000 miles 60,000 bonus miles + 500 Premier qualifying points (PQP) after you spend $4,000 on purchases in the first 3 months your account is open.
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

Compare Bank of America Travel Rewards

Both cards have no annual fee, but when it comes top redemption value – the Customized Cash Rewards gives you more. Here's our analysis.

Bank of America Travel Rewards vs Customized Cash Rewards Card

The BofA Premium Rewards is the winner when it comes to travel benefits, but there are cases when you'll prefer the BofA Travel Rewards.

Bank of America Premium Rewards vs. Travel Rewards: Comparison

The Capital One Venture offers a better points rewards ratio and travel benefits than the BofA Travel rewards. Is it worth the annual fee?

BofA Travel Rewards vs. Capital One Venture Card: How They Compare?

Picture of Andrew O'Malley

Andrew O'Malley

Andrew O’Malley has a BSc in Economics and Finance. He has worked in the finance industry as a risk analyst and is now pursuing a career in writing. In recent years, he has written for a number of leading publications. He studied Economics and Finance and has been fascinated with the financial markets since his teens.
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Top Offers

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

hilton honors card

Rewards Plan:
3X – 7X 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with hotels and resorts within the Hilton portfolio, 5x points at U.S. restaurants (including takeout and delivery) U.S.supermarkets, U.S. gas stations and 3x points for each dollar on other eligible purchases
Welcome Bonus:
70,000 points 70,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership

Marriot bonvoy bevy card art

Rewards Plan:
2x – 6x 6X points on purchases at hotels participating in Marriott Bonvoy, 4X points at restaurants worldwide (including takeout and delivery in the U.S.) and U.S. supermarkets (up to $15,000 in combined purchases per year, then 2X points), 2X points on all other purchases
Welcome Bonus:
85,000 points 85,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

hilton honors card

Rewards Plan:
3X – 7X 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with hotels and resorts within the Hilton portfolio, 5x points at U.S. restaurants (including takeout and delivery) U.S.supermarkets, U.S. gas stations and 3x points for each dollar on other eligible purchases
Welcome Bonus:
70,000 points 70,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership

Marriot bonvoy bevy card art

Rewards Plan:
2x – 6x 6X points on purchases at hotels participating in Marriott Bonvoy, 4X points at restaurants worldwide (including takeout and delivery in the U.S.) and U.S. supermarkets (up to $15,000 in combined purchases per year, then 2X points), 2X points on all other purchases
Welcome Bonus:
85,000 points 85,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

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Editorial Note: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

Credit Card Reviews Methodology

In order to determine the best possible credit cards, we look at things like fees, interest rates and rewards. We do this with companies that are associated with us as partners as well as other offerings. From there, we make a decision about what the best card is related to different categories and needs. We focus on interest rate cost & fees, especially the cost of carrying a balance, rewards – cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely usability – cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting. We also consider customer reviews.

We look at cards related to good or excellent credit ratings that will then provide a range of different benefits and improvements for someone who has these scores. We also look at low fees when it comes to those who have lower credit scores.