Dedicated comparison page

Capital One Quicksilver Cash Rewards vs Discover it Student Cash Back

Capital One Quicksilver 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.

Lowest annual feeCapital One Quicksilver Cash RewardsNo annual fee
Highest reward rateCapital One Quicksilver Cash Rewards1.5%
Lowest starting credit rangeDiscover it Student Cash Back580+

Quick Take

Capital One Quicksilver Cash Rewards

by Capital One

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Capital One Quicksilver Cash Rewards is a cashback card from Capital One with no annual fee, $200 bonus after $500 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.

  • $200 bonus after $500 in 3 months
  • No foreign transaction fee
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Discover it Student Cash Back

by Discover

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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.

  • 5% on Dining
  • Cashback Match — all cash back earned in first year is matched
  • No foreign transaction fee
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Side-by-Side Facts

MetricCapital One Quicksilver Cash RewardsDiscover it Student Cash Back
Annual FeeNoneNone
Reward Rate1.5%1.0%
Signup Bonus$200 bonus after $500 in 3 monthsCashback Match — all cash back earned in first year is matched
Foreign Transaction FeeNoneNone
Recommended CreditFair to good creditFair credit
Rewards SummaryEarn 1.5% on general spending.Earn elevated rewards with 5% on Dining, 5% on Gas and 5% on Groceries, plus 1% on other purchases.

Who Should Pick Which Card?

Capital One Quicksilver Cash Rewards

It keeps the value proposition simple with 1.5% on everyday purchases. It also avoids foreign transaction fees.

Best for: People focused on cashback rewards who want to avoid an annual fee and who typically have fair to good credit.

Pros

  • $200 bonus after $500 in 3 months
  • No annual fee to offset rewards
  • No foreign transaction fee

Tradeoffs

    Discover it Student Cash Back

    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.

    Pros

    • Cashback Match — all cash back earned in first year is matched
    • No annual fee to offset rewards
    • Earns 5% on Dining
    • Earns 5% on Gas

    Tradeoffs

    • Base rewards on non-bonus spending are relatively modest

    Frequently Asked Questions

    What is the main difference between Capital One Quicksilver Cash Rewards and Discover it Student Cash Back?

    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.

    Which card is easier to qualify for?

    Discover it Student Cash Back has the lowest published starting credit range in this comparison at 580.

    Which card has the lowest annual fee?

    Capital One Quicksilver Cash Rewards has the lowest annual fee in this comparison at no annual fee.