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

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

2. Introductory APR for Purchases:

Journey Student Rewards from Capital One:

N/A

Discover it Student Cash Back:

0% introductory APR for 6 months

3. Rewards Rate:

Discover it Student Cash Back:

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

Journey Student Rewards from Capital One:

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

4. Intro Bonus:

Discover it Student Cash Back:

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

Journey Student Rewards from Capital One:

No intro bonus

5. Annual Fee:

Discover it Student Cash Back:

$0

Journey Student Rewards from Capital One:

$0

6. Introductory APR for Balance Transfers:

Journey Student Rewards from Capital One:

N/A

Discover it Student Cash Back:

10.99% introductory APR for 6 months

7. Balance Transfer Fee:

Journey Student Rewards from Capital One:

No balance transfer fee

Discover it Student Cash Back:

3% of the amount of each transfer.

8. Regular APR:

Journey Student Rewards from Capital One:

26.96% variable

Discover it Student Cash Back:

15.24% – 24.24% variable

9. Credit Needed:

Journey Student Rewards from Capital One:

Fair to good 580- 740

Discover it Student Cash Back:

No credit history

10. Other Features:

Journey Student Rewards from Capital One:

Car rental insurance
Travel accident insurance
Bonus rewards for paying on time
Credit tracking tools
Credit line increase
No foregn transaction fee

Discover it Student Cash Back:

$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

11. Reasons to get Discover It Student Cash Back Card:

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.

12. Reasons to get Journey Student Rewards card:

If you want simple cash back program

13. 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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