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

Two cashback student cards with no annual fee.

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

Terms apply, see rates & fees

Journey Student Rewards from Capital One

Journey Student Rewards from Capital One

Terms apply, see rates & fees

Finder rating
Finder 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

Earn $5 per month for 12 months on Select Streaming Subscriptions when you pay on time. *Exclusions Apply

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 your purchases. Pay on time to boost your cash back to a total of 1.25% for that month. Also earn 5% cash back on hotels and rental cars booked through Capital One Travel (terms apply)

Purchase APR
Purchase APR

0% intro APR for 6 months, and then 13.74% to 22.74% variable

26.99% variable

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

10.99% intro APR for 6 months, then 13.74% to 22.74% variable

26.99% variable

Cash advance
Cash advance

APR: 25.74% variable

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

APR: 26.99% 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 $41 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

Read review

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

1 - 2 of 2
Name Product Welcome Offer Rewards Annual fee Filter values
Discover it® Student Cash Back
Discover will match cash back at the end of your first card year
5% back in rotating categories each activated quarter up to $1,500, then 1% after that and on all other purchases
$0
Earn 5% back in rotating categories each activated quarter up to $1,500, then 1% after that and on all other purchases.
Journey Student Rewards from Capital One
Earn $5 per month for 12 months on Select Streaming Subscriptions when you pay on time. *Exclusions Apply
1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month. Also earn 5% cash back on hotels and rental cars booked through Capital One Travel (terms apply)
$0
A student credit card that boosts your cash back for the month when you pay on time.
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