Which card earns more rewards, the NHL® Discover It® or Discover it Student Cash Back?

Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.

Should I get the NHL® Discover It® or the Discover it Student Cash Back?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Which card earns more rewards, the NHL® Discover It® or Discover it Student Cash Back?

Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.

Should I get the NHL® Discover It® or the Discover it Student Cash Back?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Which card earns more rewards, the NHL® Discover It® or Discover it Student Cash Back?

Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.

Should I get the NHL® Discover It® or the Discover it Student Cash Back?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

CardRewards

Editorial 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.

CardRewards

NHL® Discover It® vs Discover it Student Cash Back

Both cards cost $0/yr. The NHL® Discover It® is better for grocery stores, while the Discover it Student Cash Back wins on rotating quarterly. Here's how they compare.

NHL® Discover It®

Discover

Discover it Student Cash Back

Discover

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

50 cash

Earn Rates

Category	NHL® Discover It®	Discover it Student Cash Back
Grocery Stores	5X	1X
Rotating Quarterly	1X	5X
Streaming	5X	1X
Wholesale Clubs	5X	1X

Benefits & Features

Network

DISCOVER

Key Benefits

None

Pros & Cons

Pros

—

+Cashback Match doubles all cash back earned in year one automatically
+$20 statement credit annually for 3.0+ GPA (up to 5 years)
+5% on rotating quarterly categories (when activated)
+No annual fee or foreign transaction fee
+No credit score required to apply

Cons

—

−Must activate categories each quarter to earn 5%
−$1,500 quarterly cap on 5% categories
−Only 1% on non-bonus spending
−Discover network has less acceptance than Visa/Mastercard
−Shorter 6-month intro APR than some competitors

Category-by-Category Winner

The NHL® Discover It® wins in 3 of 4 categories. The Discover it Student Cash Back leads in 1.

Grocery Stores

NHL® Discover It® earns 5X vs 1X

Streaming

NHL® Discover It® earns 5X vs 1X

Wholesale Clubs

NHL® Discover It® earns 5X vs 1X

Rotating Quarterly

Discover it Student Cash Back earns 5X vs 1X

Which Card Is Right for You?

Get the NHL® Discover It® if you:

+Do most of your spending at grocery stores

Frequently Asked Questions

Which card earns more rewards, the NHL® Discover It® or Discover it Student Cash Back?: Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
Should I get the NHL® Discover It® or the Discover it Student Cash Back?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Explore More

NHL® Discover It® — Full Review All Discover Cards

Discover it Student Cash Back — Full Review All Discover Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Discover cards

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.

NHL® Discover It® vs Discover it Student Cash Back

Both cards cost $0/yr. The NHL® Discover It® is better for grocery stores, while the Discover it Student Cash Back wins on rotating quarterly. Here's how they compare.

NHL® Discover It®

Discover

Discover it Student Cash Back

Discover

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

50 cash

Earn Rates

Category	NHL® Discover It®	Discover it Student Cash Back
Grocery Stores	5X	1X
Rotating Quarterly	1X	5X
Streaming	5X	1X
Wholesale Clubs	5X	1X

Benefits & Features

Network

DISCOVER

Key Benefits

None

Pros & Cons

Pros

—

+Cashback Match doubles all cash back earned in year one automatically
+$20 statement credit annually for 3.0+ GPA (up to 5 years)
+5% on rotating quarterly categories (when activated)
+No annual fee or foreign transaction fee
+No credit score required to apply

Cons

—

−Must activate categories each quarter to earn 5%
−$1,500 quarterly cap on 5% categories
−Only 1% on non-bonus spending
−Discover network has less acceptance than Visa/Mastercard
−Shorter 6-month intro APR than some competitors

Category-by-Category Winner

The NHL® Discover It® wins in 3 of 4 categories. The Discover it Student Cash Back leads in 1.

Grocery Stores

NHL® Discover It® earns 5X vs 1X

Streaming

NHL® Discover It® earns 5X vs 1X

Wholesale Clubs

NHL® Discover It® earns 5X vs 1X

Rotating Quarterly

Discover it Student Cash Back earns 5X vs 1X

Which Card Is Right for You?

Get the NHL® Discover It® if you:

+Do most of your spending at grocery stores

Frequently Asked Questions

Which card earns more rewards, the NHL® Discover It® or Discover it Student Cash Back?: Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
Should I get the NHL® Discover It® or the Discover it Student Cash Back?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Explore More

NHL® Discover It® — Full Review All Discover Cards

Discover it Student Cash Back — Full Review All Discover Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Discover cards

NHL® Discover It® vs Discover it Student Cash Back

Both cards cost $0/yr. The NHL® Discover It® is better for grocery stores, while the Discover it Student Cash Back wins on rotating quarterly. Here's how they compare.

NHL® Discover It®

Discover

Discover it Student Cash Back

Discover

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

50 cash

Earn Rates

Category	NHL® Discover It®	Discover it Student Cash Back
Grocery Stores	5X	1X
Rotating Quarterly	1X	5X
Streaming	5X	1X
Wholesale Clubs	5X	1X

Benefits & Features

Network

DISCOVER

Key Benefits

None

Pros & Cons

Pros

—

+Cashback Match doubles all cash back earned in year one automatically
+$20 statement credit annually for 3.0+ GPA (up to 5 years)
+5% on rotating quarterly categories (when activated)
+No annual fee or foreign transaction fee
+No credit score required to apply

Cons

—

−Must activate categories each quarter to earn 5%
−$1,500 quarterly cap on 5% categories
−Only 1% on non-bonus spending
−Discover network has less acceptance than Visa/Mastercard
−Shorter 6-month intro APR than some competitors

Category-by-Category Winner

The NHL® Discover It® wins in 3 of 4 categories. The Discover it Student Cash Back leads in 1.

Grocery Stores

NHL® Discover It® earns 5X vs 1X

Streaming

NHL® Discover It® earns 5X vs 1X

Wholesale Clubs

NHL® Discover It® earns 5X vs 1X

Rotating Quarterly

Discover it Student Cash Back earns 5X vs 1X

Which Card Is Right for You?

Get the NHL® Discover It® if you:

+Do most of your spending at grocery stores

Frequently Asked Questions

Which card earns more rewards, the NHL® Discover It® or Discover it Student Cash Back?: Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
Should I get the NHL® Discover It® or the Discover it Student Cash Back?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Explore More

NHL® Discover It® — Full Review All Discover Cards

Discover it Student Cash Back — Full Review All Discover Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Discover cards