Discover it® Student Cash Back vs. J.Crew Credit

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Discover it<sup>®</sup> Student Cash Back Card Discover it® Student Cash Back Card J.Crew Credit Card J.Crew Credit Card
9.0MyCreditCardLab Score

MyCreditCardLab Score 9.0

We'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
10
Intro APR
10
Regular APR
8
Rewards
8.8
Benefits
8
Welcome Bonus
8.5
Recommended Credit Score: 9
Foreign Transaction Fee: 10
Cash Advance Fee: 9.5
Balance Transfer Fee: 8.2
8.0MyCreditCardLab Score

MyCreditCardLab Score 8.0

We'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
10
Intro APR
7.9
Regular APR
7.4
Rewards
8.2
Benefits
8
Welcome Bonus
8.4
Recommended Credit Score: 9
Foreign Transaction Fee: 10
Cash Advance Fee: 5.5
Balance Transfer Fee: 5.5
ANNUAL FEE
$0 $0
INTRO APR
0% APR on purchases for six months from account opening N/A
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 30.24% Variable APR
PROS
  • No annual fee
  • Making it accessible for those with limited or bad credit
  • Earn cash back in bonus categories
  • Take advantage of an introductory APR period
  • Your activity is reported to all three major credit bureaus.
  • Free shipping on all purchases
  • No membership fees
  • High rewards rate
  • 15% discount rewards bonus
CONS
  • New credit users may find the quarterly category rewards system complex
  • The card lacks an introductory APR on balance transfers, which may not be ideal for those looking to consolidate debt.
  • Spending caps on rewards
  • High regular APR
WELCOME BONUS
Discover will match all cash back earned at the end of your first year with the card. Get 15% off your first purchase the same day of account opening. Exclusions apply.
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:
  • Enjoy 5% cash back on rotating quarterly bonus categories, up to $1,500 per quarter, with enrollment required.
  • Earn 1% cash back on all other purchases.
  • Plus, receive a cash back match at the end of the first year.
 J.Crew Credit Card Rewards program offers remarkable versatility in credit currency. Utilize your earnings across a diverse array of options, such as:
  • For every dollar spent on the card, earn two points. For every $100 you spend, you will receive a $5 Rewards card.
  • Spend $500 a year to upgrade to Navy Access, which earns three points for every dollar. Alternatively, a $1,000 annual upgrade to Gold Access earns four points for every dollar spent.
  • Standard adjustments are free for in-store purchases.
  • If you spend less than $499 a year, receive a $10 birthday gift. Spend $500 or more a year to receive a $15 gift, and spend $1,000 or more to receive a $20 gift.
  • Shipping is always free on all orders.
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. Double points on cashmere - Members in the specified tiers may receive bonus points on certain days. The points are based on your tier at the time of purchase. You will get one or two extra points per dollar spent. You will also get bonus points on cashmere purchases. The number of points is based on your tier at the time of purchase. It is one or two extra points per dollar spent. Bonus point offers will also have terms. They will be in the promotional offer. Cardholders earn 3 points per $1 in Navy access and 4 points per $1 in Gold access. Free monogramming - Offer is available to J.Crew Passport members that are in the Navy and Gold Access tiers. The discount is valid on full-price monogrammable J.Crew branded apparel and accessories. You can buy them in J.Crew stores, at jcrew.com, or with phone orders. Offer cannot be redeemed for cash. Personalized items cannot be exchanged or returned. Valid in the U.S. only. Terms of the offer are subject to change. Our best birthday surprises - Accounts that opened during their birthday month will get the offer in the next month. Account must not be in default. Offer will be received during the birthday month. Exclusive Cardmember events - Cardmembers-only priority customer service, invitations to private sales and events.
CASH ADVANCE FEE / APR
Either $10 or 5% of the amount of each cash advance, whichever is greater. N/A
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 N/A
RECOMMENDED CREDIT SCORE
630 - 689 (Poor - Fair) 690 - 850 (Fair - Exceptional)
FOREIGN TRANSACTION FEE
None 0%
BEST FOR
  • Cash Back Seekers
  • Students
  • Bad Credit
  • U.S. Supermarket Spending
  • Online Shopping
  • Rewards Points Enthusiasts
More Details More Details

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