Discover it Student Cash Back Card vs Savor Student Credit Card
Fees, rewards and real yearly value, side by side. Updated October 29, 2026.
Discover it Student Cash Back Card
Estimated value every year on typical spending
$312/ year
Every year, after the annual fee. No welcome bonus.
Savor Student Credit Card
Estimated value every year on typical spending
$528/ year
Every year, after the annual fee. Year one adds a $50 welcome bonus: $578
The short answer
- On typical spending, the Capital One Savor Student Credit Card comes out ahead: about $528 a year after its fee, against $312 for the Discover it Student Cash Back Card.
- The Capital One Savor Student Credit Card earns more on groceries, dining.
Side by side
| Discover it Student Cash Back Card | Savor Student Credit Card | |
|---|---|---|
| Annual fee | $0 | $0 |
| Rewards | 5% cash back on everyday purchases at different places you shop each quarter, up to the quarterly maximum when you activate; 1% cash back on all other purchases | 3% cash back at grocery stores and on dining, entertainment, and popular streaming services |
| Welcome bonus | Unlimited Cashback Match: Get an unlimited dollar-for-dollar match of all the cash back you earn at the end of your first year, automatically. | $50 cash bonus after spending $100 on purchases within the first 3 months from account opening. |
| Credits counted | $0/yr | $0/yr |
| Intro APR | 0% for the first 6 months | Not listed |
| Regular APR | 16.74% to 25.74% variable | 18.74% to 28.74% variable |
| Foreign transaction fee | None | None |
| Credit needed | Not specified | Good |
Yearly rewards by category
| Category (monthly spend) | Discover it Student Cash Back Card | Savor Student Credit Card |
|---|---|---|
| groceries ($500) | $60 | $180 |
| dining ($400) | $48 | $144 |
| gas ($200) | $24 | $24 |
| travel ($300) | $36 | $36 |
| everything else ($1,200) | $144 | $144 |
Yearly value is rewards plus credits you'd realistically use, minus the annual fee, on $2,600/month: $500 groceries, $400 dining, $200 gas, $300 travel, $1,200 everything else. Points use conservative cash values; store-only rewards count at half. How we rank · Use your own spending
Questions people ask
Which is better, the Discover it Student Cash Back Card or the Capital One Savor Student Credit Card?
On typical spending the Capital One Savor Student Credit Card is worth more: about $528 a year after its fee, against $312 for the Discover it Student Cash Back Card. Which is better for you depends on where you spend most; see the category answers below.
Which is better for groceries?
The Capital One Savor Student Credit Card. On $500 a month of groceries it earns about $180 a year, against $60 with the Discover it Student Cash Back Card.
Which is better for dining?
The Capital One Savor Student Credit Card. On $400 a month of dining it earns about $144 a year, against $48 with the Discover it Student Cash Back Card.
Put any two cards head to head.
Pick any cards, including ones you already hold, and compare them on your own spending.
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Card details are collected from issuer websites and were last refreshed October 29, 2026. Terms change often; confirm them with the issuer before you apply.