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Discover it® Student Cash Back vs. Journey® Student Rewards from Capital One®

Two cashback student cards with no annual fee.

Updated

Fact checked

These two are similar cashback cards with a $0 annual fee. But the Discover it® Student Cash Back beats the Journey® Student Rewards from Capital One® on three fronts: it comes with a higher cashback rate on rotating categories each quarter, a signup bonus and a short 0% intro APR on purchases. The Journey® Student Rewards from Capital One® has none of that.

Learn more about these cards differences in the table below.

Discover it® Student Cash Back

Discover it® Student Cash Back

Rates & Fees

Journey® Student Rewards from Capital One®

Journey® Student Rewards from Capital One®

Rates & Fees

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finder.com's rating

★★★★★

4.2 / 5.0

★★★★★

3.9 / 5.0
Best for
Best for
  • Cash back in rotating categories
  • No foreign transaction fee student card
Welcome offer
Welcome offer

Discover will match cash back at the end of your first card year

N/A

Rewards
Rewards

5% back in rotating categories each activated quarter up to $1,500, then 1% after that and on all other purchases

1% cash back on all purchases, 1.25% for months you pay on time

Purchase APR
Purchase APR

0% intro APR for 6 months, and then From 17.99% variable

22.99% variable

Annual fee
Annual fee $0 $0
Balance transfer APR
Balance transfer APR

10.99% intro APR for 6 months, then variable

22.99% variable

Cash advance
Cash advance

APR: 24.99% variable

Fee: $10 or 5% of the transaction, whichever is greater

APR: 22.99% variable

Fee: $10 or 3% of the transaction, whichever is greater

Foreign transaction fee
Foreign transaction fee None None
Late payment fee
Late payment fee Up to $40 Up to $40
Additional cardholder fee
Additional cardholder fee $0
Interest-free period
Interest-free period 25 days 25 days
Minimum interest
Minimum interest $0.50 $0
Minimum credit score
Minimum credit score 580 580
Card type
Card type Credit Credit
Learn more
Learn more

Summary of card features

Discover it® Student Cash Back

Discover it® Student Cash Back

  • Good grades reward. Every school year you have a GPA of 3.0 or higher, you’ll get a $20 statement credit. This perk is good for up to five years.
  • Earn cash back. Earn 5% cash back on categories that rotate each quarter on up to $1,500. After reaching the cap, you earn 1% cash back, which is the same rewards rate you earn on all other purchases.
  • Cashback match. At the end of the first year, Discover will match the cash back you earned. This means if you earned $100 in cash back during your first year of card membership, Discover will automatically give you $100 more.

Journey® Student Rewards from Capital One®

Journey® Student Rewards from Capital One®

  • 1% cash back on all purchases
  • 1.25% for months you pay on time
  • Earn up to $60 in statement credit on streaming services in your first 12 months
  • No annual fee

Compare rewards credit cards for students

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