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Capital One Quicksilver Student vs Discover it Student Cash Back
Not credit advice. Facts and math from issuer pages and the CFPB, each with its date. Offers change; approval depends on your credit. Verify on the issuer's site.
Rubric: Discover it Student Cash Back leads by 6.7 pts. Scores: Capital One Quicksilver Student 62.9%, Discover it Student Cash Back 69.6%.
At a sample $1,920/month (groceries $500, dining $300, gas $150, travel $150, online $200, other $400 …): Capital One Quicksilver Student nets $346/yr, Discover it Student Cash Back nets $230/yr after annual fees. Use your own numbers →
Criterion scores (0–10)
Annual feeStudent: 10.0 · Back: 10.0
Rewards rateStudent: 6.0 · Back: 6.0
Sign-up bonusStudent: 0.7 · Back: n/a
Intro 0% APRStudent: 0.0 · Back: 2.9
Regular APRStudent: 7.3 · Back: 9.1
Foreign transaction feeStudent: 10.0 · Back: 10.0
Regulatory record (CFPB)Student: 10.0 · Back: 10.0
Late feeup to $41 up to; $0.00 for first occurrence; $30.00 if not charged a late fee within last six billing cycles; $41.00 otherwise files.consumerfinance.gov, 2025-12-31
⚠ Late fee up to $41 · Rotating 5% quarterly categories need activation and change each quarter; not modeled (we count the 1% base).
No paid placement. No issuer pays VaultRubric for inclusion or rank; links go to the issuer's own page. Ranks come only from the published rubric below.
FAQ
Which is better, Capital One Quicksilver Student or Discover it Student Cash Back?
On VaultRubric's rubric: Discover it Student Cash Back scores higher. The better card for you depends on where you spend; the calculator shows net value for your spending.
Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.