Discover it® Student Cash Back vs Wyndham Rewards Earner® Premier Card
Side-by-side comparison
| Discover it® Student Cash Back | Wyndham Rewards Earner® Premier Card | |
|---|---|---|
| Annual fee | No annual fee | $395 |
| Welcome offer | Cashback Match in year 1 | Up to 120,000 points |
| Dining | 1x | 4x |
| Groceries | 1x | 4x |
| Gas | 1x | 4x |
| Travel | 1x | 4x |
| Streaming | 1x | 1x |
| Everything else | 1x | 1x |
| Est. yearly rewards* | $292 | $680 |
| Points type | Cash back only | Locked to Wyndham Rewards |
| 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 Wyndham Rewards Earner® Premier Card about $680, 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 Wyndham Rewards Earner® Premier Card charges $395, but carries about $220 in annual statement credits that offset it for anyone who uses them. Counting rewards, fees, and any credits, the Wyndham Rewards Earner® Premier Card delivers more total value, about $104 a year more for a typical spender, mostly because it earns more where you spend most, on groceries 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 Wyndham Rewards Earner® Premier Card currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Wyndham Rewards Earner® Premier Card if your spending leans toward dining, groceries, gas.