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How Does LendingTree Get Paid?
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How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

Advertising Disclosure

LendingTree is an advertising-supported comparison service. The site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products. We are compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order).

Capital One Vs. Discover: How Their Credit Cards Compare

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

When it comes to finding the right credit card, Capital One versus Discover is one of the most common comparisons consumers make. After all, both card issuers have credit card products that offer flexible rewards, and none of the options from either one charge foreign transaction fees. Both Capital One and Discover also offer at least one secured credit card, as well as cards geared to students and consumers with good or excellent credit.

Capital One vs. Discover

CategoryCapital OneDiscover
Best for ...Credit builders and travelersCredit builders and cash back enthusiasts
Wider acceptance (including international) 
Card for poor or no credit
Easier to get a credit limit increase 
Easier to graduate to a better card 
Better travel options 
No foreign transaction fees

That said, there are some key differences between Capital One versus Discover:

    • Discover cards never charge an annual fee
    • Discover credit cards can be a better choice for credit newcomers since they are easier to upgrade and come with a free FICO Score
    • Capital One, on the other hand, is the only one that offers a premium travel credit card with luxury perks
    • Capital One lets consumers with some of their cards transfer points to airlines and hotels, whereas you can only redeem Discover rewards with Discover

Whether you’re trying to decide between Capital One and Discover for your next card or you’re comparing specific offers like Capital One Quicksilver Cash Rewards Credit Card versus Discover it® Cash Back, read on to learn how these two card issuers stack up in different categories.

Credit cards for building credit

Both Capital One and Discover offer secured credit cards for building credit, for consumers with lower credit scores. Capital One offers the card with the lowest security deposit in this category — starting at just $49 for the Capital One Platinum Secured Credit Card. Capital one also offers a broader range of credit cards for fair credit applicants, whereas Discover only offers one card. That said, Discover shines in this category because it makes it easier to qualify for a credit limit increase, or even graduate to a better credit card altogether.

Capital One vs. Discover cards for building credit

CardMinimum depositEarning rateAnnual fee
Capital One Platinum Credit CardNoneNon-rewards Card$0
Capital One Platinum Secured Credit Card$49, $99 or $200Non-rewards Card$0
Capital One QuicksilverOne Cash Rewards Credit CardNone1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)$39
Capital One Quicksilver Secured Cash Rewards Credit Card$2001.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)$0
Discover it® Secured Credit Card$2002% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. 1% unlimited cash back on all other purchases - automatically$0

Winner: Discover it® Secured Credit Card

| Disclosures
Discover it® Secured Credit Card
Discover it® Secured Credit Card
on Discover's secure site
N/A
26.74% Variable APR
$0
2% cash back at Gas Stations and Restaurants on up to $1,000
  • No credit score required to apply.
  • No Annual Fee, earn cash back, and build your credit with responsible use.
  • Establish your credit line by providing a refundable security deposit of at least $200. That means a $200 deposit for a $200 credit line. Or a $500 deposit for a $500 credit line. Bank information must be provided when submitting your deposit, and the security deposit equals your credit limit.
  • Automatic reviews starting at 7 months to see if we can transition you to an unsecured line of credit and return your deposit.
  • Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • Click "Apply Now" to see terms and conditions.
300 600
Poor/Limited

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

With cash back rewards on spending and no annual fee, it’s hard to beat the Discover it® Secured Credit Card when it comes to credit-building. This card even offers a free FICO Score on your statement, and you don’t even need a credit score to get approved.

Balance transfer credit cards

Comparing balance transfer credit cards between Capital One and Discover can be tricky. Both card issuers have their share of balance transfer cards that offer 0% APR for a limited time. However, the length of various balance transfer offers vary, and other terms and conditions can make some cards a better deal.

Generally speaking, Discover stands out in this category due to the longer stretch of time you get an intro APR with the Discover it® Balance Transfer. After all, having more time with a 0% intro APR can help you save more money on interest as you pay down debt you consolidated from other cards.

Capital One vs. Discover balance transfer credit cards

CardIntro balance transfer APRRegular APRAnnual fee
Capital One SavorOne Cash Rewards Credit Card0% intro on balance transfers for 15 months17.99% - 27.99% (Variable)$0
Capital One Quicksilver Cash Rewards Credit Card0% intro on balance transfers for 15 months17.99% - 27.99% (Variable)$0
Capital One VentureOne Rewards Credit Card0% intro on balance transfers for 15 months17.99% - 27.99% (Variable)$0
Discover it® Balance Transfer0% Intro APR for 18 months15.74% - 26.74% Variable APR$0
Discover it® Cash Back0% Intro APR for 15 months15.74% - 26.74% Variable APR$0
Discover it® chrome0% Intro APR for 15 months15.74% - 26.74% Variable APR$0
Discover it® Miles0% Intro APR for 15 months15.74% - 26.74% Variable APR$0

Winner: Discover it® Balance Transfer

| Disclosures
Discover it® Balance Transfer
Discover it® Balance Transfer
on Discover's secure site
0% Intro APR for 6 months
15.74% - 26.74% Variable APR
$0
5% cash back on everyday purchases at different places each quarter like
  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
  • Every $1 you earn in cash back is $1 you can redeem.
  • No annual fee.
  • Click "Apply Now" to see terms and conditions.
660 720 850
Excellent/Good

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.


The Discover it® Balance Transfer wins in this category due to the fact you get a 0% Intro APR for 18 months on balance transfers, longer than the intro periods you get with other Capital One and Discover cards. Cardholders also get a 0% Intro APR for 6 months on purchases, and a 15.74% - 26.74% Variable APR applies after both offers end. A balance transfer fee also applies: 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*.

0% APR credit cards

When it comes to credit cards that offer 0% APR on purchases, both of these issuers offer quite a few. However, Discover stands out in this category once again due to the selection of student credit cards they offer with an interest-free period on purchases, including the Discover it® Student Cash Back and the Discover it® Student chrome.

Capital One vs. Discover 0% APR credit cards

CardIntro purchase APRRegular APRAnnual fee
Capital One SavorOne Cash Rewards Credit Card0% intro on purchases for 15 months17.99% - 27.99% (Variable)$0
Capital One Quicksilver Cash Rewards Credit Card0% intro on purchases for 15 months17.99% - 27.99% (Variable)$0
Capital One VentureOne Rewards Credit Card0% intro on purchases for 15 months17.99% - 27.99% (Variable)$0
Discover it® Student Cash Back0% Intro APR for 6 months on purchases16.74% - 25.74% Variable APR$0
Discover it® Student chrome0% Intro APR for 6 months16.74% - 25.74% Variable APR$0
Discover it® Balance Transfer0% Intro APR for 6 months15.74% - 26.74% Variable APR$0
Discover it® Cash Back0% Intro APR for 15 months15.74% - 26.74% Variable APR$0
Discover it® chrome0% Intro APR for 15 months15.74% - 26.74% Variable APR$0
Discover it® Miles0% Intro APR for 15 months on purchases15.74% - 26.74% Variable APR$0

Winner: Discover it® Cash Back

| Disclosures
Discover it® Cash Back
Discover it® Cash Back
on Discover's secure site
0% Intro APR for 15 months
15.74% - 26.74% Variable APR
$0
5% cash back on everyday purchases at different places each quarter like
  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
  • Every $1 you earn in cash back is $1 you can redeem.
  • Get a 0% intro APR for 15 months on purchases. Then 15.74% to 26.74% Standard Variable Purchase APR applies, based on credit worthiness.
  • No annual fee.
  • Click "Apply Now" to see terms and conditions.
660 720 850
Excellent/Good

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

The Discover it® Cash Back is a clear winner in this category due to the fact you get a 0% Intro APR for 15 months on purchases and a 0% Intro APR for 15 months on balance transfers, followed by a 15.74% - 26.74% Variable APR. Cardholders also earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically In the meantime, Discover will double all rewards accrued after the first year for new cardholders.

Cash back credit cards

Capital One and Discover cash back credit cards can be difficult to compare since the earning structure varies widely. For example, the Capital One Quicksilver Cash Rewards Credit Card offers a generous, flat cash back rate of rewards on all spending, whereas the Discover it® Cash Back offers bonus rewards in categories that change every three months.

In general, Discover stands out due to its rotating bonus categories, while Capital One offers a range of rewards cards that offer flat-rate rewards or bonus cash back in specific categories that never change.

Capital One vs. Discover cash back credit cards

CardEarning rateAnnual fee
Capital One Savor Cash Rewards Credit CardEarn unlimited 4% cash back on dining, entertainment, and popular streaming services, 3% at grocery stores and 1% on all other purchases.Earn a one-time $300 cash bonus once you spend $3,000 on purchases within 3 months from account opening $95
Capital One SavorOne Cash Rewards Credit Card3% Cash Back on dining and entertainment; 3% Cash Back on popular streaming services; 3% Cash Back at grocery stores; 1% Cash Back on all other purchases. Earn 8% cash back on Capital One Entertainment purchasesEarn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening$0
Capital One Quicksilver Cash Rewards Credit Card1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening$0
Capital One QuicksilverOne Cash Rewards Credit Card1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)No bonus$39
Discover it® Cash Back5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automaticallyUnlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300. $0
Discover it® chrome2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. 1% unlimited cash back on all other purchases - automaticallyUnlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match. $0

Winner: Discover it® Cash Back

| Disclosures
Discover it® Cash Back
Discover it® Cash Back
on Discover's secure site
0% Intro APR for 15 months
15.74% - 26.74% Variable APR
$0
5% cash back on everyday purchases at different places each quarter like
  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
  • Every $1 you earn in cash back is $1 you can redeem.
  • Get a 0% intro APR for 15 months on purchases. Then 15.74% to 26.74% Standard Variable Purchase APR applies, based on credit worthiness.
  • No annual fee.
  • Click "Apply Now" to see terms and conditions.
660 720 850
Excellent/Good

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

The Discover it® Cash Back wins in this category once again due to its dynamic and rewarding cash back program. Cardholders can earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically Discover will also double all rewards earned after the first year through their Cashback Match program, and there’s a $0 annual fee.

Student credit cards

Both Capital one and Discover have their share of student credit cards, and they all stand out in their own way.

Discover student cards come with an intro APR offer for purchases. All student cards from Discover also offer cash back rewards, and Discover will double all rewards earned after the first year.

Capital One student credit cards offer generous rewards in their own right. Some even offer traditional credit card sign-up bonuses you can earn after meeting a minimum spending requirement within the first few months.

None of these cards charge an annual fee. All card options in this niche are available for students with limited credit history. That said, Discover doesn’t require student applicants to have a credit score, so they can be a better option for credit newcomers with no credit history.

Capital One vs. Discover student credit cards

CardEarning rateAnnual fee
Capital One Quicksilver Student Cash Rewards Credit Card1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)Earn $100 when you spend $100 in the first three months$0
Journey Student Rewards from Capital One1% Cash Back on all purchases; 0.25% Cash Back bonus on the cash back you earn each month you pay on time; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)No bonus$0
Capital One SavorOne Student Cash Rewards Credit Card3% Cash Back on dining and entertainment; 3% Cash Back on popular streaming services; 3% Cash Back at grocery stores; 1% Cash Back on all other purchases. Earn 8% cash back on Capital One Entertainment purchasesEarn $100 when you spend $100 in the first three months$0
Discover it® Student Cash Back5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match. $0
Discover it® Student chrome2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. 1% unlimited cash back on all other purchases - automatically Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match. $0

Winner: Discover it® Student Cash Back

| Disclosures
Discover it® Student Cash Back
Discover it® Student Cash Back
on Discover's secure site
0% Intro APR for 6 months on purchases
16.74% - 25.74% Variable APR
$0
5% cash back on everyday purchases at different places each quarter like
  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • No credit score required to apply.
  • Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
  • No annual fee and build your credit with responsible use.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 16.74% - 25.74% applies.
  • Click "Apply Now" to see terms and conditions.
600 660
Fair/Limited

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

With a $0 annual fee and no credit score required to apply, the Discover it® Student Cash Back is hard to beat. Not only is this card easy to get approved for, but it offers 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically. Discover will even double all rewards earned after the first year for new cardholders.

Travel credit cards

When it comes to travel credit cards, Capital One is the clear winner over Discover. Capital One travel credit cards stand out due to their travel features and benefits, as well as the fact they let users transfer points to Capital One airline and hotel partners. All Capital One travel credit cards also offer bonus points on hotel and rental car purchases made through Capital One Travel, which can help you boost your rewards haul over time.

Where Capital One has premium travel card options like the Capital One Venture Rewards Credit Card and the Capital One Venture X Rewards Credit Card, Discover has one mediocre travel card option — the Discover it® Miles. Not only does the Discover it® Miles offer a lower number of points for all spending, but rewards can only be redeemed for cash back, travel statement credits or purchases made through Amazon.com.

Capital One vs. Discover travel credit cards

CardEarning rateAnnual fee
Capital One Venture Rewards Credit Card2 Miles per dollar on every purchase, every day; 5 Miles on hotels and rental cars booked through Capital One Travel; 5 Miles per dollar when you book on Turo, the world’s largest car sharing marketplace, through May 16, 2023Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel$95
Capital One VentureOne Rewards Credit Card1.25 Miles per dollar on every purchase, every day; 5 Miles on hotels and rental cars booked through Capital One TravelEarn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel$0
Capital One Venture X Rewards Credit Card2 Miles per dollar on every purchase, every day; 10 Miles on hotels and rental cars booked through Capital One Travel; 10 Miles per dollar when you book on Turo, the world’s largest car sharing marketplace, through May 16, 2023; 5 Miles on flights booked through Capital One TravelEarn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel$395
Discover it® MilesAutomatically earn unlimited 1.5x Miles on every dollar of every purchase - with no annual fee.Only Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.$0

Winner: Capital One Venture Rewards Credit Card

| Disclosures
Capital One Venture Rewards Credit Card
Capital One Venture Rewards Credit Card
on Capital One's secure site
N/A
18.99% - 26.99% (Variable)
$95
2 Miles per dollar on every purchase, every day; 5 Miles on
  • Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
  • Earn unlimited 2X miles on every purchase, every day
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Enjoy two complimentary visits per year to Capital One Lounges or to 100+ Plaza Premium Lounges through our Partner Lounge Network
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Transfer your miles to your choice of 15+ travel loyalty programs
660 720 850
Excellent/Good

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

The Capital One Venture Rewards Credit Card is the winner in this category due to its generous rewards rate and reasonable annual fee. Cardholders pay just $95 per year for this card, yet they earn 2 Miles per dollar on every purchase, every day; 5 Miles on hotels and rental cars booked through Capital One Travel; 5 Miles per dollar when you book on Turo, the world’s largest car sharing marketplace, through May 16, 2023. New cardmembers can also Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel. Other perks include transfer options to hotel and airline partners, two free visits to Capital One airport lounges per year, a fee credit for Global Entry or TSA PreCheck membership and Hertz Five Star status.

The information related to Capital One Savor Cash Rewards Credit Card has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication.

Frequently asked questions

In addition to applying for a credit card over the phone, both Capital One and Discover offer online applications that can be completed in minutes.

When you apply, be sure to have your Social Security number and key financial information handy, including annual income and monthly rent or mortgage payment. This will allow the issuer to access your credit history and make a decision. In addition, Capital One will ask if you have any bank accounts, and Discover will ask your total available assets.

You can also apply for Capital One credit cards at Capital One branches and Capital One Cafes.

All Discover credit cards come with a $0 annual fee and offer the CashBack Match™ bonus, which matches all of the cash back or miles you’ve earned at the end of your first year of card membership (for new cardmembers only).

Additional Discover benefits include the ability to freeze and unfreeze your account, free FICO® credit scores on your monthly statements, 100% U.S.-based customer service and monitoring for suspicious activity on your account.

General Capital One credit card benefits include $0 fraud liability, security alerts, 24/7 customer service, card lock, CreditWise from Capital One and more.

Both Capital One and Discover allow you to prequalify for their credit cards online by performing a soft pull on your credit that doesn’t hurt your score.

There are several factors to consider when choosing between Discover and Capital One credit cards. Because Capital One cards are served by either the Visa or Mastercard networks, you’re much more likely to have worldwide acceptance when making purchases. Fewer merchants accept Discover products, especially outside of the U.S., which can limit your ability to use your Discover credit card.

 

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