Discover it® Student Cash Back vs Marriott Bonvoy Bountiful®
Side-by-side comparison
| Discover it® Student Cash Back | Marriott Bonvoy Bountiful® | |
|---|---|---|
| Annual fee | No annual fee | $250 |
| Welcome offer | Cashback Match in year 1 | 85,000 points |
| Dining | 1x | 4x |
| Groceries | 1x | 4x |
| Gas | 1x | 2x |
| Travel | 1x | 2x |
| Streaming | 1x | 2x |
| Everything else | 1x | 2x |
| Est. yearly rewards* | $292 | $763 |
| Points type | Cash back only | Locked to Marriott Bonvoy |
| Network | Discover | Visa |
*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 Discover it® Student Cash Back earns about $292 a year in rewards and the Marriott Bonvoy Bountiful® about $763, valuing every point at a flat 1 cent. The Discover it® Student Cash Back has no annual fee, so its rewards are all profit. The Marriott Bonvoy Bountiful® charges $250, which you clear through its rewards and perks. Counting rewards, fees, and any credits, the Marriott Bonvoy Bountiful® delivers more total value, about $222 a year more for a typical spender, mostly because it earns more where you spend most, on groceries and everything else. 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 Marriott Bonvoy Bountiful® currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Marriott Bonvoy Bountiful® if your spending leans toward dining, groceries, gas.