Bank of America Customized Cash Rewards credit card vs. Discover it Student Cash Back
On the criteria below, Discover it Student Cash Back wins 2 of 4. The verdict depends on which criteria matter to you.
Bank of America Customized Cash Rewards credit card
Bank of America
Discover it Student Cash Back
Discover
Discover it Student Cash Back wins 2 of 4 criteria here, making it the stronger all-rounder.
Bank of America Customized Cash Rewards credit card wins on first-year math; Discover it Student Cash Back wins on earning ceiling and foreign transactions.
Pick the Bank of America Customized Cash Rewards credit card if year-one math is your priority.
Who wins what
1 vs 2 (1 tie)- First-year math Bank of America Customized Cash Rewards credit card
Bank of America Customized Cash Rewards credit card 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×).
- 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
- Choice Category, Grocery
- Rotating Quarterly
- Lounge access
- No
- No
- Travel insurance
- No
- No
- Elite status
- No
- No
- Foreign transaction fee
- 3.00%
- 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.