If you are looking for a credit card that rewards your everyday spending habits, cards issued by Discover can be for you. But which one could better fit your needs? Discover it® Cash Back or Discover it® Chrome? Both of these cards offer generous rewards and benefits to cardholders. Also, they have no annual fees and some of the best cashback welcome bonuses for new cardholders.

However, the Discover it® Cash Back card may have some more generous cash back rewards for those that already have some experience in the credit card world. And the Discover it® Student Chrome card is for those in college and want to improve their credit scores. In this post, you will find a comparison of these cards’ features to help you find out which one is better suited for you!

The Discover it® Cash Back card offers a very high rewards rate. You can get 5% cashback in rotating quarterly categories each quarter (up to $1,500 on purchases) and 1% cashback on every other purchase you make with the card. Also, as a new cardholder, you can get a welcome bonus where Discover will match all your cashback at the end of the first year.

With this card, you can make direct deposits into any account you like, shop at Amazon and with PayPay, and more! Moreover, there is no annual fee or foreign transaction fees. Also, you can get 0% intro APR for 14 months on balance transfers and purchases.

In addition, Discover sends free alerts with information about your Social Security Number if it is found on Dark Web sites. Also, you can turn your account on or off with the Freeze it® program. Plus, you will get a $0 Fraud Liability Guarantee. So, you will not be responsible for purchases you did not authorize on your card.

However, to get all the great benefits offered by this Discover card, you will need a very high credit score. To qualify, your credit score needs to range from 690 to 850 points (good to excellent score).

The Discover it® Student Chrome card is for students who are looking to improve their credit scores. Also, it sends all of your monthly payments to all three major credit bureaus. So, this credit card will help you build credit while gaining cashback rewards. Plus, you will not have to pay an annual fee.

Moreover, the welcome bonus this credit card offers to its new cardholders is one of the best ones in the market. As a new cardholder, Discover will match all of your earned cash back at the end of your first year of account opening. In addition, you can earn cashback rewards with a rate from 1% to 2%.

So, you can earn 2% cashback for purchases made at gas stations and restaurants, including cafes, takeout, and delivery. Also, you can earn 1% cashback on every other purchase you make with the card.

In addition, you do not need a very high credit score to qualify to get this card. If you have a credit score ranging from 630 to 689, you can qualify for this Discover card. Also, this can be a bit of a downside, as college students do not usually have credit scores because they are at the beginning of their financial life.

However, this credit card can be very useful for those who started their financial life in the credit card world and are looking to improve their score to get other types of credit cards. Also, there is no late fee on your first late payment. So, this card has many features that can benefit those starting in the credit card world.

If you want a credit card with solid cash back rewards and you are a student starting in the credit card world, maybe the Discover it® Student Chrome is best for you. However, if you already have some experience in the credit card world and a good credit score, maybe you will get more benefits from the Discover it® Cash Back card.

Therefore, both Discover cards offer amazing benefits. However, you need to understand your current financial situation to know which card fits your profile best. But if you want higher cashback rewards, the Discover it® Cash Back card is the best option. And if you cannot qualify for this Discover card, the Discover it® Student Chrome card is also a great initial option.

So, if you love cashback credit card rewards, there is another option for you. The Chase Freedom Unlimited® credit card has a high rewards rate, and there is no annual fee. Find out more about this card in our post below with a full review!