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Discover Discover it Balance Transfer vs Discover it Student Chrome

Both are Discover cards. Here is every spend category, ranked by what each card actually returns.

Best card by category Card terms as of Oct 31

Everything else

  1. Discover it Balance Transfer 1.0% 1% base rate
  2. Discover it Student Chrome 1.0% 1% base rate

Dining

  1. Discover it Balance Transfer 5.0% 5%, rotating this quarter
  2. Discover it Student Chrome 2.0% 2%

Gas

  1. Discover it Student Chrome 2.0% 2%
  2. Discover it Balance Transfer 1.0% 1% base rate

Entertainment

  1. Discover it Balance Transfer 5.0% 5%, rotating this quarter
  2. Discover it Student Chrome 1.0% 1% base rate

Utilities

  1. Discover it Balance Transfer 5.0% 5%, rotating this quarter
  2. Discover it Student Chrome 1.0% 1% base rate

What the numbers are doing

Discover it Balance Transfer wins dining, entertainment and utilities at 5% only because the rotating calendar is on them this quarter. The quarter ends December 31, 2026; after it the card earns 1% there, and no later quarter in the published calendar brings it back.

Where they differ: Discover it Balance Transfer takes dining, entertainment and utilities; Discover it Student Chrome takes gas.

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Pass content preview
CategoryBest card
Everything elseDiscover it Balance Transfer1.0%
DiningDiscover it Balance Transfer5.0%
GasDiscover it Student Chrome2.0%
EntertainmentDiscover it Balance Transfer5.0%
UtilitiesDiscover it Balance Transfer5.0%

Content preview. Apple Wallet controls the layout; visible categories vary by device. Categories that rank the same as Everything else are left off; every other category is in pass details.

Every category, every card

Everything else

  1. Discover it Balance Transfer — 1.0%
  2. Discover it Student Chrome — 1.0%

Dining

  1. Discover it Balance Transfer — 5.0%
  2. Discover it Student Chrome — 2.0%

Gas

  1. Discover it Student Chrome — 2.0%
  2. Discover it Balance Transfer — 1.0%

Entertainment

  1. Discover it Balance Transfer — 5.0%
  2. Discover it Student Chrome — 1.0%

Utilities

  1. Discover it Balance Transfer — 5.0%
  2. Discover it Student Chrome — 1.0%
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