Head-to-Head
Chase Sapphire Preferred vs Discover it Student: Which Is Better?
A detailed comparison to help you choose the right option for your financial goals.
Editor's Choice
Chase Sapphire Preferred
★★★★★4.7/5
✓60,000 point bonus
✓2X on travel & dining
✓$95 annual fee
Pros
- ✓ Excellent bonus
- ✓ Flexible points
- ✓ Travel protections
Cons
- ✗ Annual fee
- ✗ Needs good credit
- ✗ Not best for cashback
Best For
Travel EnthusiastsHigh Earners
Discover it Student
★★★★★4.4/5
✓Cashback match first year
✓No annual fee
✓No credit history needed
Pros
- ✓ First year doubled
- ✓ Student friendly
- ✓ Good rewards
Cons
- ✗ Rotating categories
- ✗ Lower acceptance
- ✗ Lower limits
Best For
College StudentsCredit Builders
Our Verdict
Chase Sapphire Preferred gets our recommendation with a 4.7/5 rating. It's especially strong for those who want 60,000 point bonus. That said, Discover it Student is still excellent if first year doubled is your top priority.