Discover it Student Cash Back vs. Wells Fargo Autograph Journey Card
On the criteria below, Discover it Student Cash Back wins 2 of 4. The verdict depends on which criteria matter to you.
Discover it Student Cash Back
Discover
Wells Fargo Autograph Journey Card
Wells Fargo
Discover it Student Cash Back wins 2 of 4 criteria here, making it the stronger all-rounder.
Discover it Student Cash Back wins on first-year math and annual fee; Wells Fargo Autograph Journey Card wins on travel insurance.
Pick the Discover it Student Cash Back if year-one math is your priority; take the Discover it Student Cash Back if you want a cheaper card to keep long-term.
Who wins what
2 vs 1 (1 tie)- First-year math Discover it Student Cash Back
Discover it Student Cash Back wins on bonus value minus annual fee.
- Annual fee Discover it Student Cash Back
Discover it Student Cash Back is $95 cheaper to keep.
- Earning ceiling Tie
Same peak earning rate.
- Travel insurance Wells Fargo Autograph Journey Card
Wells Fargo Autograph Journey Card carries built-in travel insurance.
By the numbers
- Annual fee
- Free
- $95
- Welcome offer (typical value)
- —
- —
- First-year net
- +$0
- $-95
- Peak earning rate
- 5×
- 5×
- Top categories
- Rotating Quarterly
- Hotels, Airlines, Dining
- Lounge access
- No
- No
- Travel insurance
- No
- Yes
- Elite status
- No
- No
- Foreign transaction fee
- None
- None
- Reward currency
- Discover Cashback
- Wells Fargo Rewards
Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.