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With the Discover card you get double cash back for the first year, meaning you are effectively getting 4% and 2% cash back (granted part of that only at the end of the year). With, that, I find the Discover card more valuable than the Band of America Card. However, I think the compliment each other well, if you can take advantage of the 3% and 2% categories. I would like a more thorough explanation as for what counts as a grocery store, since sometimes Walmart/Target doesn't count.