Dedicated comparison page
Chase Sapphire Reserve vs Discover it Student Cash Back on Luminxo. Compare annual fees, rewards, welcome offers, credit requirements, and who each card is best for.
by Chase
Chase Sapphire Reserve is a travel card from Chase with a $795 annual fee, 150,000 bonus points after ,000 in 3 months, and good to excellent credit.
Best for: People focused on travel rewards who can justify a $795 annual fee and who typically have good to excellent 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 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.
| Metric | Chase Sapphire Reserve | Discover it Student Cash Back |
|---|---|---|
| Annual Fee | $795 | None |
| Reward Rate | 5.0% | 5.0% |
| Signup Bonus | 150,000 bonus points after ,000 in 3 months | Cashback Match - all cash back earned in first year is doubled, plus $20/year good grade reward |
| Foreign Transaction Fee | None | None |
| Recommended Credit | Good to excellent credit | Fair credit |
| Rewards Summary | Earn elevated rewards with 5% on Travel (portal), 3% on Dining and 3% on Travel, plus 1% 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. |
Its strongest earning category is Travel (portal) at 5%, backed by 1% on general spending. It also avoids foreign transaction fees.
Best for: People focused on travel rewards who can justify a $795 annual fee and who typically have good to excellent 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.
Discover it Student Cash Back has the lowest annual fee in this comparison at no annual fee.