Not credit advice. Facts and math from issuer pages and the CFPB, each with its date. Offers change; approval depends on your credit. Verify on the issuer's site.
Rubric: Discover it Cash Back leads by 11.3 pts. Scores: Discover it Cash Back 76.4%, Amex Blue Cash Everyday 65.1%.
At a sample $1,920/month (groceries $500, dining $300, gas $150, travel $150, online $200, other $400 …): Discover it Cash Back nets $230/yr, Amex Blue Cash Everyday nets $434/yr after annual fees. Use your own numbers →
Criterion scores (0–10)
Annual feeBack: 10.0 · Everyday: 10.0
Rewards rateBack: 6.0 · Everyday: 5.0
Sign-up bonusBack: n/a · Everyday: 2.0
Intro 0% APRBack: 7.1 · Everyday: 8.6
Regular APRBack: 8.4 · Everyday: 7.0
Foreign transaction feeBack: 10.0 · Everyday: 3.0
Regulatory record (CFPB)Back: 10.0 · Everyday: 10.0
Late feeup to $41 up to; $0.00 for first occurrence; $30.00 if not charged a late fee within last six billing cycles; $41.00 otherwise files.consumerfinance.gov, 2025-12-31
⚠ Late fee up to $41 · Rotating 5% quarterly categories need activation and change each quarter; not modeled (we count the 1% base). First-year Cashback Match not counted.
Annual fee $0APR 19.74%–28.74% variableRewards 3% U.S. supermarkets, U.S. online retail, U.S. gas (each up to $6k/yr); 1% otherCredit 720+ (CFPB TCCP targeted tiers)
⚠ 2.7% foreign transaction fee · APR up to 28.74% if you carry a balance · Penalty APR Prime + 26.74% (variable)
No paid placement. No issuer pays VaultRubric for inclusion or rank; links go to the issuer's own page. Ranks come only from the published rubric below.
FAQ
Which is better, Discover it Cash Back or Amex Blue Cash Everyday?
On VaultRubric's rubric: Discover it Cash Back scores higher. The better card for you depends on where you spend; the calculator shows net value for your spending.
Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.