Head to head

Discover it Student Cash Back vs. TD Cash Credit Card

On the criteria below, Discover it Student Cash Back wins 2 of 5. The verdict depends on which criteria matter to you.

Discover it Student Cash Back

Discover

TD Bank

At a glance

Discover it Student Cash Back wins 2 of 5 criteria here, making it the stronger all-rounder.

Discover it Student Cash Back wins on earning ceiling and foreign transactions; TD Cash Credit Card wins on travel insurance.

2 vs 1 (2 tie)

First-year math Tie

Both cards land within $25 of each other after the 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×).
Travel insurance TD Cash Credit Card

TD Cash Credit Card carries built-in travel insurance.
Foreign transactions Discover it Student Cash Back

Discover it Student Cash Back has a lower (or zero) foreign transaction fee.

Annual fee: Free; Free
Welcome offer (typical value): —; —
First-year net: +$0; +$0
Peak earning rate: 5×; 3×
Top categories: Rotating Quarterly; Selected Second Category, Selected Top Category
Lounge access: No; No
Travel insurance: No; Yes
Elite status: No; No
Foreign transaction fee: None; 3.00%
Reward currency: Discover Cashback; TD Rewards Points

Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.