Discover it® Student Cash Back Card
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Citi Simplicity® Card
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9.0MyCreditCardLab Score
MyCreditCardLab Score 9.0We've meticulously evaluated this card using MyCreditCardLab's exclusive credit card rating system. Our assessment considered various cardholder needs, ultimately assigning a rating based on the need with the highest score, currently at "." Our rating scale ranges from 1 to 10, with 10 representing the best possible score. |
9.0MyCreditCardLab Score
MyCreditCardLab Score 9.0We've meticulously evaluated this card using MyCreditCardLab's exclusive credit card rating system. Our assessment considered various cardholder needs, ultimately assigning a rating based on the need with the highest score, currently at "." Our rating scale ranges from 1 to 10, with 10 representing the best possible score. |
| ANNUAL FEE | |
| $0 | $0 |
| INTRO APR | |
| 0% APR on purchases for six months from account opening | 0% intro APR on Purchases for first 15 months and 0% intro APR on Balance Transfers for first 21 months on qualifying balance transfers |
| REGULAR APR | |
| 10.99% intro balance transfer APR for six months from date of first qualifying balance transfer, 18.24% to 27.24% ongoing variable APR | 19.24% - 29.99% Variable APR |
| PROS | |
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| CONS | |
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| WELCOME BONUS | |
| Discover will match all cash back earned at the end of your first year with the card. | 0% intro APR for 21 months on balance transfers and purchases from date of account opening |
| REWARDS | |
Discover it® Student Cash Back Card Rewards program is renowned for its flexibility in credit currency. Explore various redemption options for your earnings, including:
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Citi Simplicity® Card Rewards stand out as a highly versatile credit currency, offering a myriad of redemption options to suit your preferences. You can utilize your rewards in a variety of ways, including:
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| BENEFITS | |
| Freeze it® - Easily place holds on stolen or missing cards directly through the app for added security and peace of mind. Access to Credit Education - This feature is best for credit scores to improve. Gain access to Discover's Credit Scorecard with your FICO® Credit Score, monthly updates, and tips to help you understand and improve your credit. Cashback Match™ - At the end of your first year with the card, Discover matches all the cash back you've earned, effectively doubling your rewards without any limit. so students benefit from doubling reward points for other spending. Rotating Bonus Categories - Earn 5% cash back on everyday purchases in rotating quarterly bonus categories, such as gas stations, grocery stores, restaurants, and more, up to the quarterly maximum. Good Grade Reward - Get a $20 statement credit each school year if your GPA is 3.0 or higher for up to the next five years. it's not a big reward but a small credit combination helps your spend. | Flexible payment due date - Cardholders are able to choose a payment due date that works best for them. No penalty APR - You won’t be assessed a penalty APR if you’re late on a payment. 21 month-APR offer on balance transfers - The 21-month offer on balance transfers is one of the longest intro APR offers. They have not paid interest for nearly two years. This gives cardholders the chance to make a serious dent in their debt. 12 month-APR offer on purchases - If you need to pay for purchases over time, you won't have to pay interest on them for a full year. However, there are cards with longer intro APR periods on purchases. Fewer fees - The Citi Simplicity doesn’t charge an annual fee or late fees. It does, however, charge a balance transfer fee and cash advance fee. |
| CASH ADVANCE FEE / APR | |
| Either $10 or 5% of the amount of each cash advance, whichever is greater. | 29.99% variable, plus a fee of either $10 or 5% of the amount of each transaction, whichever is greater |
| BALANCE TRANSFER FEE | |
| 10.99% intro APR on Balance Transfers for 6 months, and then the ongoing APR of 18.24%-27.24% Variable APR | 19.24% - 29.99% variable, 3% intro fee ($5 min) for each transfer in first 4 months, and 5% ($5 min) for each transfer after that |
| RECOMMENDED CREDIT SCORE | |
| 630 - 689 (Poor - Fair) | 690 - 850 (Fair - Exceptional) |
| FOREIGN TRANSACTION FEE | |
| None | 3% |
| BEST FOR | |
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| More Details | More Details |
Discover it® Student Cash Back vs. Citi Simplicity®
Easily compare up to three credit cards side by side with our intuitive comparison tool. Assess features, offers, and more to find the best fit for your financial needs.