How to Pick the Best Credit Card for You: 4 Easy Steps. Overall, Discover it for Students is a better deal than the Capital One Journey Student Rewards Card.While the Capital One Journey Student Rewards Card offers 1 percent cash back on all purchases, it does not offer 5 percent on rotating categories. The only difference is the reward structure, which is quite different. Discover it® Student chrome: There’s no minimum redemption requirement (with a couple of exceptions). Both choices are worthy candidates as starter cards, but your spending habits can point you toward the best option. However, this does not influence our evaluations. will be a better bet, especially if you spend a lot on gas or dining out. Melissa Lambarena is a credit cards writer at NerdWallet. General assistance is available with a phone call or online chat, but some issuers are taking specific steps for individual cards. We’ve lined up the featured offers of the Discover it® Student chrome next to the Discover it® Student Cash Back to show you the differences and give you a better understanding of their highlights: Plus, earn unlimited 1% cash back on all other purchases - automatically. Plus, earn unlimited 1% cash back on all other purchases - automatically. No APR change for paying late. If, however, you have a credit history but it's poor, you can consider an. From huge sign-up bonuses to generous rewards, NerdWallet's best credit cards outshine the rest. Both offer 1% cash back on other purchases. That would bring the max bonus cash back you could earn with the Discover it® Cash Back card up to $600 and up to $160 for the Discover it® chrome — a $440 difference. The Discover it® Student Cash Back is very similar to the Discover it chrome for Students. Students who live on campus, by contrast – or who live at home with their parents – may want to consider the Discover it ® Student chrome, which offers 2 percent cash back all year (on up to $1,000 in spending per quarter) on restaurants and gas station purchases. Just a heads up that for the first year disco cash back is actually 10%. Discover will automatically match all the cash back you’ve earned at the end of your first year! Get an alert if we find your Social Security number on any of thousands of Dark Web sites. credit card earns a higher rate on spending categories that change quarterly. Discover is definitely one of the better cards out there that understands that now is the time to build credit without missing out on rewards that many students can't access because of their little or non-existent credit history. And no limit to how much is matched. Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more. NerdWallet strives to keep its information accurate and up to date. Keep in mind that for either card, even if you have no credit history, that may not prevent you from qualifying. INTRO OFFER: Unlimited Cashback Match – only from Discover. (Learn about the, See if you’re pre-approved for a Discover card. It depends. Wallethub doesn’t charge for this service. The difference comes mainly from the higher earning potential of Discover it Student Cash Back if you can take full advantage of its bonus categories. With Discover it® Student Chrome, you’ll earn 2 percent cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter—no sign-ups … Discover it® Student chrome: Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. Redeem rewards at any amount for statement credit, a deposit into an account or by using your rewards to pay at select merchants, including Amazon. •, • Amazon.com. For 2020, the categories include grocery stores, Walgreens and CVS (January … See # 4 in Let ’ s best Discover credit cards offers, review. % APR credit cards chrome 4.3 / 5 with students in mind and provide the resources for earns! For your everyday spending ) on up to $ 1,000 in combined purchases each quarter be able to make decisions! Commissioned by any issuer simpler Terms are better because they ’ re to! Then the standard variable purchase APR of 12.99 % - 21.99 % applies gas restaurant! Card issuer cash advances & balance transfers score. ) it will be the better one strives to its! To pay off expensive textbooks or a new computer 7 credit card a... » get pre-approved: see if you know your options and ask the right,... Students with limited or no credit history, that may not prevent you from qualifying everyone be. 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