Editorial disclosure: CardRewards.ai is an independent comparison service. Our analysis is based on publicly available card data and is reviewed regularly by our editorial team. Card issuers do not influence our rankings or content. Last updated: June 2026.
Discover it Balance Transfer vs Discover it Student Cash Back
Discover it Balance Transfer vs Discover it Student Cash Back
Both cards cost $0/yr. The Discover it Balance Transfer is better for everyday spending, while the Discover it Student Cash Back wins on rotating quarterly. Here's how they compare.
Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: June 2026.
Discover it Balance Transfer vs Discover it Student Cash Back
Both cards cost $0/yr. The Discover it Balance Transfer is better for everyday spending, while the Discover it Student Cash Back wins on rotating quarterly. Here's how they compare.
Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: June 2026.
Discover it Balance Transfer vs Discover it Student Cash Back
Both cards cost $0/yr. The Discover it Balance Transfer is better for everyday spending, while the Discover it Student Cash Back wins on rotating quarterly. Here's how they compare.
Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: June 2026.
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−No bonus categories for elevated earning
−Variable APR of 17.49%-26.49% after intro period ends
−Must activate categories each quarter to earn 5%
−$1,500 quarterly cap on 5% categories
−Only 1% on non-bonus spending
−Discover network has less acceptance than Visa/Mastercard
−Shorter 6-month intro APR than some competitors
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−No bonus categories for elevated earning
−Variable APR of 17.49%-26.49% after intro period ends
−Must activate categories each quarter to earn 5%
−$1,500 quarterly cap on 5% categories
−Only 1% on non-bonus spending
−Discover network has less acceptance than Visa/Mastercard
−Shorter 6-month intro APR than some competitors
−
−No bonus categories for elevated earning
−Variable APR of 17.49%-26.49% after intro period ends
−Must activate categories each quarter to earn 5%
−$1,500 quarterly cap on 5% categories
−Only 1% on non-bonus spending
−Discover network has less acceptance than Visa/Mastercard
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