it Student Cash Back vs 2 Visa Credit Card: Which Is Actually Worth It?
Discover needs a thin file; Petal can approve with zero credit history using cash flow underwriting.
it Student Cash Back
Average earners get double their cash back in year one with no annual fee tacked on.
2 Visa Credit Card
Earning 2% cash back on select merchants isn't worth the risk of high APRs
Side-by-side specs
| it Student Cash Back | 2 Visa Credit Card | |
|---|---|---|
| Annual fee | $0 | $0 |
| Signup bonus | Cashback Match - doubles all cash back earned in year one | None |
| APR range | 17.24–26.24% Variable | 18.24–32.24% Variable |
| Foreign tx fee | None | None |
| Credit target | limited or fair | limited or fair |
it Student Cash Back earn rates
2 Visa Credit Card earn rates
The verdict
You have some credit history (even thin) - Discover gives you rotating 5% categories and the cashback match, which Petal can't match.
Apply at Discover →You have zero credit history and no Social Security Number alternative - Petal uses income data for approval when FICO can't.
Apply at Petal →Track what both cards actually earn you, WalletHub Premium syncs all your cards and monitors your credit daily.
it Student Cash Back annual fee $0, APR 17.24–26.24% Variable, signup offer Cashback Match - doubles all cash back earned in year one, terms as of 2026-05-06. 2 Visa Credit Card annual fee $0, APR 18.24–32.24% Variable, signup offer None, terms as of 2026-05-06. Verify current terms on the issuer's site before applying. We earn a referral fee on approved applications referred via Apply links, at no cost to you.