CardRewardsEditorial disclosure: CardRewards.ai is an independent comparison service. Our analysis is based on publicly available card data and is reviewed regularly by our editorial team. Card issuers do not influence our rankings or content. Last updated: May 2026.
Both cards cost $0/yr. The Bank of America® Unlimited Cash Rewards for Students is better for everyday spending, while the Discover it Cash Back wins on rotating quarterly. Here's how they compare.
Annual Fee
Welcome Bonus
| Category | Bank of America® Unlimited Cash Rewards for Students | Discover it Cash Back |
|---|---|---|
| Rotating Quarterly | 1X | 5X |
Network
Key Benefits
Pros
Cons
The Discover it Cash Back wins in 1 of 1 categories. The Bank of America® Unlimited Cash Rewards for Students leads in 0.
Rotating Quarterly
Discover it Cash Back earns 5X vs 1X
Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.
Both cards cost $0/yr. The Bank of America® Unlimited Cash Rewards for Students is better for everyday spending, while the Discover it Cash Back wins on rotating quarterly. Here's how they compare.
Annual Fee
Welcome Bonus
| Category | Bank of America® Unlimited Cash Rewards for Students | Discover it Cash Back |
|---|---|---|
| Rotating Quarterly | 1X | 5X |
Network
Key Benefits
Pros
Cons
The Discover it Cash Back wins in 1 of 1 categories. The Bank of America® Unlimited Cash Rewards for Students leads in 0.
Rotating Quarterly
Discover it Cash Back earns 5X vs 1X
Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.
Both cards cost $0/yr. The Bank of America® Unlimited Cash Rewards for Students is better for everyday spending, while the Discover it Cash Back wins on rotating quarterly. Here's how they compare.
Annual Fee
Welcome Bonus
| Category | Bank of America® Unlimited Cash Rewards for Students | Discover it Cash Back |
|---|---|---|
| Rotating Quarterly | 1X | 5X |
Network
Key Benefits
Pros
Cons
The Discover it Cash Back wins in 1 of 1 categories. The Bank of America® Unlimited Cash Rewards for Students leads in 0.
Rotating Quarterly
Discover it Cash Back earns 5X vs 1X
Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.
