Southwest Rapid Rewards Premier Credit Card vs. Discover it Student Chrome
Even split across the criteria below. Pick the one whose strengths match how you'll actually use it.
Southwest Rapid Rewards Premier Credit Card
Chase
Discover it Student Chrome
Discover
Southwest Rapid Rewards Premier Credit Card and Discover it Student Chrome split the criteria evenly. Neither is the obvious all-rounder; the right pick depends on which dimensions matter to you.
Southwest Rapid Rewards Premier Credit Card wins on earning ceiling and travel insurance; Discover it Student Chrome wins on first-year math and annual fee.
Pick the Discover it Student Chrome if year-one math is your priority; take the Discover it Student Chrome if you want a cheaper card to keep long-term.
Who wins what
2 vs 2- First-year math Discover it Student Chrome
Discover it Student Chrome wins on bonus value minus annual fee.
- Annual fee Discover it Student Chrome
Discover it Student Chrome is $149 cheaper to keep.
- Earning ceiling Southwest Rapid Rewards Premier Credit Card
Southwest Rapid Rewards Premier Credit Card earns more on its best category (3× vs 2×).
- Travel insurance Southwest Rapid Rewards Premier Credit Card
Southwest Rapid Rewards Premier Credit Card carries built-in travel insurance.
By the numbers
- Annual fee
- $149
- Free
- Welcome offer (typical value)
- —
- —
- First-year net
- $-149
- +$0
- Peak earning rate
- 3×
- 2×
- Top categories
- Airfare, Groceries, Dining
- Gas, Dining
- Lounge access
- No
- No
- Travel insurance
- Yes
- No
- Elite status
- No
- No
- Foreign transaction fee
- None
- None
- Reward currency
- Southwest Rapid Rewards
- 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.