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 rateDiscover it Student Cash Back5.0%
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, earn a $200 cash bonus, 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.

  • 1.5% on Other
  • Earn a $200 cash bonus
  • 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 doubled, plus $20/year good grade reward, 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 doubled, plus $20/year good grade reward
  • 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%5.0%
Signup BonusEarn a $200 cash bonusCashback Match - all cash back earned in first year is doubled, plus $20/year good grade reward
Foreign Transaction FeeNoneNone
Recommended CreditFair to good creditFair credit
Rewards SummaryEarn elevated rewards with 1.5% on Other, plus 1.5% on other purchases.Earn elevated rewards with 5% on Dining (up to $1500/quarter) (rotating quarterly), 5% on Gas (up to $1500/quarter) (rotating quarterly) and 5% on Groceries (up to $1500/quarter) (rotating quarterly), plus 1% on other purchases.

Who Should Pick Which Card?

Capital One Quicksilver Cash Rewards

Its strongest earning category is Other at 1.5%, backed by 1.5% on general spending. 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

  • Earn a $200 cash bonus
  • No annual fee to offset rewards
  • Earns 1.5% on Other
  • 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 doubled, plus $20/year good grade reward
    • 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.