Discover it® Student Cash Back Card
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Southwest Rapid Rewards® Plus 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. |
8.5MyCreditCardLab Score
MyCreditCardLab Score 8.5We'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 | $69 |
| INTRO APR | |
| 0% APR on purchases for six months from account opening | No intro offer available |
| 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 | 21.49% - 28.49% 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. | 30,000 points after you spend $4,000 on purchases in the first 3 months from 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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Southwest Rapid Rewards® Plus Card Rewards program provides exceptional flexibility in credit currency. Redeem your earnings across a wide range of options, 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. | Various protections and perks - There are enough perks to justify keeping the card year after year. The lost luggage reimbursement and baggage delay insurance can reimburse you. They give you peace of mind when traveling. So can the extended warranty and purchase protection. The anniversary point bonus and EarlyBird check-ins also make it worthwhile. Redemption flexibility - There aren’t any blackout dates, so you can use your rewards points whenever you choose. 25% back on inflight purchases - You’ll get a nice discount on any inflight purchases. This includes drinks, meals, and internet access. Extended warranty protection - Southwest Plus cardholders can add a year to the original warranty on eligible purchases made with the card. They can do this up to $10,000 per claim. Baggage delay insurance - This benefit provides reimbursement for emergency purchases of essential items. It applies when your baggage is delayed for over six hours. It covers up to $100 per day for a maximum of three days. 2 EarlyBird check-ins each year - You’ll get a pair of credits you can use for early check-ins twice per year. This lets you check in automatically before the typical 24-hour check-in. It lets you get an earlier boarding position and a better chance to pick your seat and store your bags. EarlyBird check-in typically costs between $15 and $20. |
| 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 | 21.49%–28.49% variable, plus a fee of either $5 or 5% of the amount of each transfer, whichever is greater |
| 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. Southwest Rapid Rewards® Plus
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