Capital One Quicksilver Cash Rewards Credit Card
vs. Discover it® Student Chrome

If you're looking for a rewarding credit card experience without an annual fee, you may consider the Capital One Quicksilver Cash Rewards Credit Card and Discover it Student Chrome. In contrast, Discover it Student Chrome caters to students or individuals without a credit history, providing specific rewards on gas and restaurant purchases.

The Capital One Quicksilver is the better card for those with good to excellent credit, offering a more substantial cash bonus and a longer 0% APR period on purchases and balance transfers.

You might prefer the Capital One Quicksilver Cash Rewards Credit Card if: You have a good to excellent credit score and are looking for a card that offers a high reward rate on all purchases. With an effective reward rate of 3.6 out of 5, you can earn significant cash back on every dollar you spend. Additionally, the card comes with a one-time $200 cash bonus after you spend $500 on purchases within the first three months, which can be a substantial immediate return on your spending. The card also boasts a 0% intro APR for 15 months on purchases and balance transfers, followed by a variable APR based on your creditworthiness.

You might prefer the Discover it Student Chrome if: You're a student starting to build your credit history. This card is tailored to individuals with no credit history and offers a unique introductory Cashback Match, where Discover will automatically match all the cash back you've earned at the end of your first year. With a reward rate of 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter and 1% on all other purchases, it's a solid choice for students who want to earn rewards on their typical spending. The Discover it Student Chrome also provides a 0% intro APR for six months on purchases, which can help manage expenses during the school year.

The Capital One Quicksilver Cash Rewards Credit Card is a solid choice for those who value simplicity and rewards. With a MoneyGeek balance transfer card rating of 4.4 out of 5, it offers a competitive edge for managing debt. This card is perfect for everyday spending with a no-annual-fee structure and a welcome bonus that rewards new cardholders.

Cardholders can benefit from a 0% introductory APR for 15 months on both purchases and balance transfers, which can be a strategic way to handle large expenses or existing debt. Additionally, the card offers an unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, making it an attractive option for frequent travelers. The regular APR ranges between 19.99% and 29.99% variable, underscoring the importance of paying off balances before the introductory period ends.

The Discover it Student Chrome Card, rated at 3.4 out of 5 for balance transfers by MoneyGeek, is tailored for students stepping into the world of credit. It's a solid starter card with no annual fee and a 0% intro APR on purchases for the first six months. Students can earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, plus unlimited 1% cash back on all other purchases. The card's hallmark feature is the Cashback Match, which doubles all the cash back earned at the end of the first year, making it a rewarding choice for those new to credit. It's especially appealing for individuals with no credit history, offering a pathway to build credit while earning rewards.

Our breakdown will help compare APRs, fees, required credit, rewards, introductory offers and other features. This section is designed to guide you through each card's specifics. By examining these details, you can pinpoint which card aligns with your spending habits and financial goals, like whether unlimited cash back on travel or higher cash back at gas stations is more lucrative for your lifestyle.