Allegiant Allways Rewards Visa® vs Discover it® Student Cash Back
Side-by-side comparison
| Allegiant Allways Rewards Visa® | Discover it® Student Cash Back | |
|---|---|---|
| Annual fee | $59 | No annual fee |
| Welcome offer | 45,000 points | Cashback Match in year 1 |
| Dining | 2x | 1x |
| Groceries | 1x | 1x |
| Gas | 1x | 1x |
| Travel | 3x | 1x |
| Streaming | 1x | 1x |
| Everything else | 1x | 1x |
| Est. yearly rewards* | $358 | $292 |
| Points type | Locked to Allegiant Allways Rewards | Cash back only |
| Network | Visa | Discover |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified June 2026. See your own numbers in the calculator.
The verdict
On a typical year of household spending, the Allegiant Allways Rewards Visa® earns about $358 a year in rewards and the Discover it® Student Cash Back about $292, valuing every point at a flat 1 cent. The Allegiant Allways Rewards Visa® charges $59, which you clear through its rewards and perks. The Discover it® Student Cash Back has no annual fee, so its rewards are all profit. The two are close on value, but the Allegiant Allways Rewards Visa® edges ahead by about $7 a year, mostly because it earns more where you spend most, on travel and dining. Neither leans on transferable points, so the deciding factors are the welcome offer, the card network, and which everyday perks you will actually use. On the sign-up bonus, the Allegiant Allways Rewards Visa® currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Allegiant Allways Rewards Visa® if your spending leans toward dining, travel.