Blue Cash Everyday Card from American Express vs. Discover it Student Cash Back
Even split across the criteria below. Pick the one whose strengths match how you'll actually use it.
Blue Cash Everyday Card from American Express
Amex
Discover it Student Cash Back
Discover
Blue Cash Everyday Card from American Express and Discover it Student Cash Back split the criteria evenly. Neither is the obvious all-rounder; the right pick depends on which dimensions matter to you.
Blue Cash Everyday Card from American Express wins on first-year math and travel insurance; Discover it Student Cash Back wins on earning ceiling and foreign transactions.
Pick the Blue Cash Everyday Card from American Express if year-one math is your priority.
Who wins what
2 vs 2 (1 tie)- First-year math Blue Cash Everyday Card from American Express
Blue Cash Everyday Card from American Express wins on bonus value minus annual fee.
- Annual fee Tie
Same annual fee.
- Earning ceiling Discover it Student Cash Back
Discover it Student Cash Back earns more on its best category (5× vs 3×).
- Travel insurance Blue Cash Everyday Card from American Express
Blue Cash Everyday Card from American Express carries built-in travel insurance.
- Foreign transactions Discover it Student Cash Back
Discover it Student Cash Back has a lower (or zero) foreign transaction fee.
By the numbers
- Annual fee
- Free
- Free
- Welcome offer (typical value)
- $200
- —
- First-year net
- +$200
- +$0
- Peak earning rate
- 3×
- 5×
- Top categories
- U.S. Supermarkets, U.S. Online Retail, Gas
- Rotating Quarterly
- Lounge access
- No
- No
- Travel insurance
- Yes
- No
- Elite status
- No
- No
- Foreign transaction fee
- 2.70%
- None
- Reward currency
- Cashback
- Discover Cashback
Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.