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Chase Sapphire Preferred® Card vs Discover Student It Card

Compare Rewards, Interest Rates, Fees, and Benefits

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Chase Sapphire Preferred is a high-earning rewards card for those with excellent credit. How does it compare to Discover Student It Card, a student and cash back credit card? Read our comparison chart below.

Keep in mind, the Chase Sapphire Preferred has a $95 annual fee, while the Discover Student It Card has a $0 annual fee.

Note: Chase Sapphire Preferred® Card is a credit card for consumer while Discover it® Student Cash Back is a credit card for student.

 Apply NowRead Discover Student It Card Review
 

Chase Sapphire Preferred® Card

Discover it® Student Cash Back

 Personal Credit CardStudent Credit Card
 

Credit Card Interest Rates & Fees

Introductory APR for PurchasesN/A0% introductory APR for 6 months
Introductory APR for Balance TransfersN/A10.99% introductory APR for 6 months
Purchase APR17.74% to 24.74% Variable based on your creditworthiness and other factors14.49% to 23.49% Variable based on your creditworthiness and other factors
Balance Transfers APR17.74% to 24.74% Variable based on your creditworthiness and other factors14.49% to 23.49% Variable based on your creditworthiness and other factors
Foreign Transaction Fee$0No foreign transaction fee
Annual Fee$95 annual fee$0 annual fee
 

Credit Card Rewards & Benefits

Student Get $20 statement credit each school year your GPA is 3.0 or higher for up to the first 5 years from account opening.
Introductory Bonus Cash Back Discover will match all the cash back you've earned at the end of your first year (only for new cardmembers).
Introductory Bonus OfferEarn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards® 
Cash Back Rewards 1% cash back on all other purchases.
Bonus Cash Back 5% cash back on up to $1,500 in purchases in rotating categories that change each quarter (requires free and easy sign-up for 5% Cashback Bonus)*
Limitations apply*. See issuer's website for additional program details.
Bonus Categories for 2019:
October - December 2019: Amazon.com, Target and Walmart.com
Bonus Categories for 2020:
January - March 2020: Grocery Stores, Walgreens & CVS
April - June 2020: Gas Stations, Uber, Lyft & Wholesale Clubs
July - September 2020: Restaurants & PayPal
October - December 2020: Amazon.com, Walmart.com & Target.com
Travel Rewards2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases worldwide. 
Airline Rewards1:1 point transfer to leading airline and hotel loyalty programs 
Hotel Rewards1:1 point transfer to leading airline and hotel loyalty programs 
Point Rewards2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases worldwide 
Dining Rewards2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases worldwide 
Airline Transfer PartnersChase airline transfer partners include United Airlines, Southwest Airlines, JetBlue, British Airways, Air France, Singapore Airlines, Virgin Atlantic, Iberia, Emirates, and Aer Lingus. 
 

CreditDonkey® Credit Card Reviews

Pros & ConsPros:
  • Generous bonus points
  • Flexible travel rewards
  • Travel, purchase and security protection
  • $0 Foreign Transaction Fee
Cons:
  • $95 annual fee
  • No intro APR
Pros:
  • Generous cash back
  • Intro APR on purchases
  • No annual fee
Cons:
  • Not all merchants accept Discover
Bottom LineHigh-earning rewards card for those with excellent credit... Read full reviewExcellent cash back credit card for college students... Read full review
 Apply NowRead Discover Student It Card Review

See issuer's website for details including terms and conditions. While reasonable effort has been made to maintain accurate and updated information, the information shown on this site may vary, be out of date, or not applicable to you. All information is provided without warranty. When you click on the Apply Now button, you can review the terms and conditions on the issuer's website.

Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the issuer's website for details.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

Disclaimer: The information for the Discover it® Student Cash Back has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

Discover Student It Card: Pricing information including interest rates, rewards, benefits and fees was obtained on November 6, 2019 from published websites and is believed to be accurate, but not guaranteed.


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Compare Chase Sapphire Preferred to:

Capital One Venture

Capital One® Venture® Rewards Credit Card

Introductory Bonus Airline RewardsTravel RewardsAirline RewardsNo Expiration on Rewards
Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
N/AN/A
17.49% - 24.74% (Variable)
Annual Fee
$0 intro for first year; $95 after that
Chase Sapphire Reserve

Chase Sapphire Reserve®

Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
N/AN/A
18.74% - 25.74% Variable
Annual Fee
$450
American Express Gold

American Express® Gold Card

Introductory Bonus OfferAirline RewardsPoint RewardsGrocery Rewards
Annual Fee
$250

Disclaimer: The information for the Capital One® Venture® Rewards Credit Card has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.


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Compare Discover Student It Card to:

Capital One Journey

Journey® Student Rewards from Capital One®

StudentCash Back RewardsCar Rental InsuranceExtended Warranty
Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
N/AN/A
26.99% (Variable)
Annual Fee
$0
Blue Cash Everyday

Blue Cash Everyday® Card from American Express

Introductory Bonus Cash BackCash Back RewardsGas RewardsGrocery Rewards
Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
0% on Purchases for 15 months
0% on Balance Transfers for 15 months
14.49% - 25.49% Variable
Annual Fee
$0
Gold Delta SkyMiles

Gold Delta SkyMiles® Credit Card from American Express

Introductory Bonus Airline RewardsAirline RewardsCar Rental InsuranceExtended Warranty
Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
N/AN/A
17.24% - 26.24% Variable
Annual Fee
$0 introductory annual fee for the first year, then $95

Disclaimer: The information for the Journey® Student Rewards from Capital One® has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

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About CreditDonkey®
CreditDonkey is a credit card comparison website. We publish data-driven analysis to help you save money & make savvy decisions.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

†Advertiser Disclosure: Many of the card offers that appear on this site are from companies from which CreditDonkey receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditDonkey does not include all companies or all offers that may be available in the marketplace.

*See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.