Dedicated comparison page
Bank of America Customized Cash Rewards vs Discover it Student Cash Back on Luminxo. Compare annual fees, rewards, welcome offers, credit requirements, and who each card is best for.
by Bank of America
Bank of America Customized Cash Rewards is a cashback card from Bank of America with no annual fee, $200 bonus after $1,000 in 3 months, and fair to good credit.
Best for: People focused on cashback rewards who want to avoid an annual fee and who typically have fair to good credit.
by Discover
Discover it Student Cash Back is a student card from Discover with no annual fee, cashback match — all cash back earned in first year is matched, and fair credit.
Best for: People focused on student rewards who want to avoid an annual fee and who typically have fair credit.
| Metric | Bank of America Customized Cash Rewards | Discover it Student Cash Back |
|---|---|---|
| Annual Fee | None | None |
| Reward Rate | 1.0% | 1.0% |
| Signup Bonus | $200 bonus after $1,000 in 3 months | Cashback Match — all cash back earned in first year is matched |
| Foreign Transaction Fee | 3.0% | None |
| Recommended Credit | Fair to good credit | Fair credit |
| Rewards Summary | Earn elevated rewards with 3% on Dining, 3% on Gas and 3% on Groceries, plus 1% on other purchases. | Earn elevated rewards with 5% on Dining, 5% on Gas and 5% on Groceries, plus 1% on other purchases. |
Its strongest earning category is Dining at 3%, backed by 1% on general spending.
Best for: People focused on cashback rewards who want to avoid an annual fee and who typically have fair to good credit.
Its strongest earning category is Dining at 5%, backed by 1% on general spending. It also avoids foreign transaction fees.
Best for: People focused on student rewards who want to avoid an annual fee and who typically have fair credit.
The biggest tradeoffs are annual fee, reward concentration, and the level of credit usually needed to qualify. This page compares those inputs directly so you can choose the card that fits your spending and tolerance for annual fees.
Discover it Student Cash Back has the lowest published starting credit range in this comparison at 580.
Bank of America Customized Cash Rewards has the lowest annual fee in this comparison at no annual fee.