13 Difference Between Capital One Journey And Discover It Student Cash Back

Discover it student cash back is better choice. You will pay less fees and will get more rewards.

 

Capital One Journey:

Discover It Student Cash Back:

Introductory APR for Purchases:




N/A

0% introductory APR for 6 months

Rewards Rate:





1% cash back plus an additional 0.25% cash back when you make payments on time

Earn 5% cash back in rotating categories each quarter up to the quarterly maximum each time you activate.

Earn 1% unlimited cash back on all other purchases

Intro Bonus:



No intro bonus

Discover it will match all cash back at the end of first year you have earned.

Annual Fee:



$0

$0

Introductory APR for Balance Transfers:



N/A

10.99% introductory APR for 6 months

Balance Transfer Fee:



No balance transfer fee

3% of the amount of each transfer.

Regular APR:



26.96% variable

15.24% – 24.24% variable

Credit Needed:



Fair to good 580- 740

No credit history

Other Features:









Car rental insurance

Travel accident insurance

Bonus rewards for paying on time

Credit tracking tools

Credit line increase

No foregn transaction fee

$20 statement credit each year for good grades

No penalty APR

No late fee on first payment

No overlimit fee

No foreign transaction fee

Free FICO credit score

Ability to withdraw cash at checkout

Freeze on/off switch

Social security number alerts

Reason To Get:

If you want simple cash back program

If you want to earn cash rewards with consumer friendly terms

If you want to build credit.

If you don’t mind keeping track of bonus categories.

Cons:

Discover It Student Cash Back Card:

Not all merchants accept Discover

Discover It Student Cash Back Card Review With Pros And Cons

Capital One Journey Student Credit Card Review With Pro And Cons

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