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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.

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.

Capital One and Discover are both major financial services companies that provide a variety of products such as bank accounts, loans, and an assortment of credit cards.

Discover is known for introducing the first cash rewards credit card to the market. Capital One is one of the top 10 largest banks in America, based on deposits. Some key differences include:

  • Discover does not have physical branches whereas Capital One does in select states: Discover describes itself as an online financial services company. This means that you can’t walk into a Discover branch and talk to a representative. Capital One has branches in Connecticut, Delaware, Louisiana, Maryland, New Jersey, New York, Texas, Virginia and Washington, D.C. You can also complete limited banking transactions at Capital One Cafés in select cities, which offer full-service coffee bars and workspaces.
  • Acceptance: Discover cards traditionally have not been as widely accepted, – especially outside the U.S. – as Capital One cards, which are backed by Visa or Mastercard. That’s why it’s smart to have a backup non-Discover card when traveling abroad.
  • Free FICO Score vs. VantageScore: Discover offers a free FICO® Score with Discover Credit Scorecard for Discover cardholders. Capital One offers a free VantageScore 3.0 with CreditWise. Only CreditWise is available to anyone, regardless if you’re a cardmember. While the FICO Score is more widely used by lenders, both scores rank your creditworthiness on a 300-850 range.

Top Discover and Capital One cards by category

Capital One and Discover both offer credit cards that can appeal to a broad range of consumers – whether you want to earn travel rewards, transfer a balance or build your credit.

Each issuer has multiple cards in the following categories; we listed our top picks based on our research of cards available through LendingTree, as well as top cards offered by both Discover and Capital One:

Cash back credit cards

Travel rewards credit cards

Restaurant & dining credit cards

Credit cards to rebuild credit

Business credit cards

Student credit cards

Best Discover and Capital One cash back credit cards

Discover it® Cash Back vs. Capital One Quicksilver Cash Rewards Credit Card
Discover it® Cash Back Capital One Quicksilver Cash Rewards Credit Card
Sign-up bonus 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. One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening.
Rewards rate 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically. 1.5% cash back on every purchase, every day; 5% cash back on hotels and rental cars booked through capital one travel (terms apply).
Annual fee $0 $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
13.49% - 24.49% 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, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • NEW! Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
  • Redeem cash back in any amount, any time. Rewards never expire.
  • NEW Intro APR: Get a 0% intro APR for 15 months on purchases. Then 13.49% to 24.49% Standard Variable Purchase APR applies, based on credit worthiness.
  • No annual fee.
  • Click "Apply Now" to see terms and conditions.
720 850

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.

While both cards come with no annual fee and offer cash back on every purchase, the Discover it® Cash Back is the better choice if you want to earn a higher rewards rate in popular categories that rotate quarterly, when you activate.

The Discover it® Cash Back card offers the following rewards rate: 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.

This means that if you max out the spending limit by making $1,500 in purchases in the 5% bonus category each quarter, you’ll earn $300 cash back in one year. Once you factor in the cashback match sign-up bonus for new cardmembers, that amount will jump to $600 in the first year of card membership.

The Capital One Quicksilver Cash Rewards Credit Card, on the other hand, offers a flat cashback rate on every purchase – making the card more appealing if you don’t want to deal with rotating categories or spending limits.

| Disclosures
Capital One Quicksilver Cash Rewards Credit Card
Capital One Quicksilver Cash Rewards Credit Card
on Capital One's secure site
0% intro on purchases for 15 months
16.49% - 26.49% (Variable)
$0
1.5% Cash Back on every purchase, every day; 5% Cash Back on
  • One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • $0 annual fee and no foreign transaction fees
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases and balance transfers for 15 months; 16.49%-26.49% variable APR after that
680 850

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.

If your credit isn’t quite good enough to qualify for the Capital One Quicksilver Cash Rewards Credit Card, you may want to consider the Capital One QuicksilverOne Cash Rewards Credit Card instead.

The Capital One QuicksilverOne Cash Rewards Credit Card also offers unlimited 1.5% cash back on every purchase, every day; 5% cash back on hotels and rental cars booked through capital one travel (terms apply). However, while the Capital One Quicksilver Cash Rewards Credit Card requires excellent/good credit, the Capital One QuicksilverOne Cash Rewards Credit Card requires average/fair/limited credit.

That said, the Capital One QuicksilverOne Cash Rewards Credit Card charges an annual fee of $39 and does not offer a sign-up bonus.

| Disclosures
Capital One QuicksilverOne Cash Rewards Credit Card
Capital One QuicksilverOne Cash Rewards Credit Card
on Capital One's secure site
N/A
26.99% (Variable)
$39
1.5% Cash Back on every purchase, every day; 5% Cash Back on
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or limits to how much you can earn, and cash back doesn't expire for the life of the account. It's that simple
  • Be automatically considered for a higher credit line in as little as 6 months
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Help strengthen your credit for the future with responsible card use
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • Monitor your credit score with CreditWise from Capital One. It's free for everyone
  • Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
520 679

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.

Best Discover and Capital One travel rewards credit cards

Discover it® Miles vs. Capital One Venture Rewards Credit Card
Discover it® Miles Capital One Venture Rewards Credit Card
Sign-up bonus 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. 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.
Rewards rate Automatically earn unlimited 1.5x Miles on every dollar of every purchase - with no annual fee. 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.
Annual fee $0 $95

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
17.49% - 25.49% (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
680 850

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 stands out in this category due to its flexible redemption options and travel transfer partners.

In addition to using Capital One Venture Rewards Credit Card miles to book travel on any airline, with no seat restrictions or blackout dates, miles can be redeemed for car rentals, hotels, ride-sharing apps, cruises and more.

Cardholders can also transfer miles to a number of airline and hotel loyalty partners, including Air France KLM Flying Blue, Emirates Skywards, Singapore Airlines KrisFlyer and Wyndham Rewards.

Plus, Capital One Venture Rewards Credit Card holders receive a statement credit of up to $100 to cover your Global Entry or TSA Precheck application every four years. However, the card comes with an annual fee of $95.

By contrast, the Discover it® Miles does not offer travel transfer partners.

You can, however, redeem your miles for airfare, hotel stays, rental cars and other travel expenses with no blackout dates.

| Disclosures
Discover it® Miles
Discover it® Miles
on Discover's secure site
0% Intro APR for 15 months on purchases
13.49% - 24.49% Variable APR
$0
Automatically earn unlimited 1.5x Miles on every dollar of every purchase -
  • UNLIMITED BONUS: 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.
  • Automatically earn unlimited 1.5x Miles on every dollar of every purchase - with no annual fee.
  • Redeem Miles to pay any part of your monthly bill, including your minimum payment.
  • Turn Miles into cash in any amount, any time. Or redeem as a statement credit for travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more with no blackout dates. However you redeem, Miles keep the same value. And Miles never expire.
  • New Intro APR: 0% intro APR for 15 months on purchases. Then 13.49% - 24.49% Standard Variable Purchase APR will apply.
  • NEW! Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
  • Discover is accepted nationwide by 99% of the places that take credit cards.
  • Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
  • 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.
670 850

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.

If you want to earn Venture miles without paying an annual fee, you may want to consider the Capital One VentureOne Rewards Credit Card instead.

Along with a $0 annual fee, earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel. Plus, cardholders earn 1.25 miles per dollar on every purchase, every day; 5 miles on hotels and rental cars booked through capital one travel.

| Disclosures
Capital One VentureOne Rewards Credit Card
Capital One VentureOne Rewards Credit Card
on Capital One's secure site
0% intro on purchases for 15 months
16.49% - 26.49% (Variable)
$0
1.25 Miles per dollar on every purchase, every day; 5 Miles on
  • $0 annual fee and no foreign transaction fees
  • Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn unlimited 1.25X 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
  • 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
  • Enjoy 0% intro APR on purchases and balance transfers for 15 months; 16.49% - 26.49% variable APR after that
680 850

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.

Best Discover and Capital One restaurant and dining credit cards

Discover it® chrome vs. Capital One® Savor® Cash Rewards Credit Card
Discover it® chrome Capital One® Savor® Cash Rewards Credit Card
Sign-up bonus 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. Just a dollar-for-dollar match. Earn a one-time $300 cash bonus once you spend $3,000 on purchases within 3 months from account opening .
Rewards rate 2% 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 Earn unlimited 4% cash back on dining, entertainment, and popular streaming services, 3% at grocery stores and 1% on all other purchases..
Annual fee $0 $95

Winner: Capital One® Savor® Cash Rewards Credit Card

If you want the opportunity to earn a higher amount of cashback on dining purchases in the first year of card membership, the Capital One® Savor® Cash Rewards Credit Card is the better choice. In addition to its generous sign-up bonus, the Capital One® Savor® Cash Rewards Credit Card offers a higher cashback rate on dining purchases, without a limit on spending.

So, for example, if you spend $4,000 on dining during the first year, you’ll earn $160 cash back. Once you add on the sign-up bonus, that amount increases to $460.

With the Discover it® chrome, if you max out the spend limit by making $1,000 in purchases at restaurants each quarter you activate, you’ll earn $80 cash back in one year. Once you factor in the cashback match bonus, you’ll get $160 cash back in the first year of card membership.

| Disclosures
Discover it® chrome
Discover it® chrome
on Discover's secure site
0% Intro APR for 15 months
13.49% - 24.49% Variable APR
$0
2% cash back at Gas Stations and Restaurants on up to $1,000
  • 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. Just a dollar-for-dollar match.
  • Earn cash back on your next road trip with 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.
  • NEW! Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • NEW Intro APR: Get a 0% intro APR for 15 months on purchases. Then 13.49% - 24.49% Standard Variable Purchase APR applies, based on credit worthiness.
  • No annual fee.
  • Click "Apply Now" to see terms and conditions.
720 850

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.

After the first year, though, the Discover it® chrome comes out on top – at least slightly – thanks to its $0 annual fee. If you spend $4,000 per year on dining purchases, you’ll receive $80 cash back at the end of the year. With the Capital One® Savor® Cash Rewards Credit Card, that same spend amount will earn you $160 cash back. However, once you factor in the annual fee after the first year, that amount decreases to $65.

Capital One offers an additional dining credit card that comes with a $0 annual fee – the Capital One SavorOne Cash Rewards Credit Card.

The card offers 3% 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 purchases and tickets at vivid seats. Plus, new card members earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening.

| Disclosures
Capital One SavorOne Cash Rewards Credit Card
Capital One SavorOne Cash Rewards Credit Card
on Capital One's secure site
0% intro on purchases for 15 months
16.49% - 26.49% (Variable)
$0
3% Cash Back on dining and entertainment; 3% Cash Back on popular
  • Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • Earn 8% cash back on Capital One Entertainment purchases and tickets at Vivid Seats
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases and balance transfers for 15 months; 16.49% - 26.49% variable APR after that
  • No foreign transaction fee
  • No annual fee
680 850

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.

Best Discover and Capital One credit cards to rebuild credit

Discover it® Secured Credit Card vs. Capital One Platinum Secured Credit Card
Discover it® Secured Credit Card Capital One Platinum Secured Credit Card
Sign-up bonus Discover will match all the cash back you’ve earned at the end of your first year. No bonus.
Rewards rate 2% 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. Non-rewards Card.
Annual fee $0 $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
24.49% 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.
  • NEW! 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.
300 659

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.

For those who haven’t yet established credit or whose credit is poor/limited, Discover and Capital One both offer cards to help build or rebuild your credit. However, the Discover it® Secured Credit Card also offers a rewards program – which is very rare for a secured credit card.

While the Discover it® Secured Credit Card charges a $0 annual fee; it does require a security deposit, which will serve as your line of credit. Depending on your income and ability to pay, the security deposit will range from $200 to $2,500. That said, after seven months, Discover will automatically review your account to see if you qualify to receive your security deposit back and convert to an unsecured card.

Like the Discover it® Secured Credit Card, the Capital One Platinum Secured Credit Card reports to the three major credit bureaus.

The Capital One Platinum Secured Credit Card offers cardholders an initial credit line of $200 after making a refundable security deposit of $49, $99 or $200. Although the card doesn’t come with a rewards program, it does give you access to a higher credit line after you make your first five monthly payments on time.

| Disclosures
Capital One Platinum Secured Credit Card
Capital One Platinum Secured Credit Card
on Capital One's secure site
N/A
26.99% (Variable)
$0
Non-rewards Card
  • No annual or hidden fees. See if you're approved in seconds
  • Building your credit? Using the Capital One Platinum Secured card responsibly could help
  • Put down a refundable security deposit starting at $49 to get a $200 initial credit line
  • You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
  • Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Monitor your credit score with CreditWise from Capital One. It's free for everyone
  • Get access to your account 24 hours a day, 7 days a week with online banking to access your account from your desktop or smartphone, with Capital One's mobile app
300 599

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.

Best Discover and Capital One business credit cards

Discover it® Business Card vs. Capital One Spark Miles for Business
Discover it® Business Card Capital One Spark Miles for Business
Sign-up bonus Get an unlimited dollar-for-dollar match of all the cash back you earn at the end of your first year, automatically. And no limit to how much we’ll match. So you could turn $350 cash back into $700 with Cashback Match™. Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening.
Rewards rate 1.5% cash back on every dollar spent on all purchases. 2 miles per $1 on every purchase, everywhere.
Annual fee N/A $0 intro for first year; $95 after that

Winner: Capital One Spark Miles for Business

| Disclosures
Capital One Spark Miles for Business
Capital One Spark Miles for Business
on Capital One's secure site
N/A
22.49% (Variable)
$0 intro for first year; $95 after that
2 Miles per $1 on every purchase, everywhere
  • Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
  • Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
  • Transfer your miles to 15+ travel loyalty programs
  • Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
  • Fly through security with one statement credit for either the $85 TSA PreCheck® application fee or the $100 Global Entry application fee
  • $0 intro annual fee for the first year; $95 after that
  • Free employee cards which also earn unlimited 2X miles from their purchases
680 850

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.

While both business credit cards offer cash back on every purchase, the Capital One Spark Miles for Business takes a slight edge due to its higher rewards rate and robust benefits.

Along with no-cost employee cards, the Capital One Spark Miles for Business offers year-end summaries and downloadable purchase records in multiple formats (including Quicken, QuickBooks and Excel).

The Capital One Spark Miles for Business also comes with Visa Business Benefits, including emergency card replacement, auto rental damage waiver and purchase security and extended protection.

If you don’t want to pay an annual fee – ever – and you don’t mind missing out on some of the benefits offered by the Capital One Spark Miles for Business, the Discover it® Business Card is a great alternative.

The Discover it® Business Card offers free Social Security number alerts, $0 fraud liability, no-cost FICO® Credit Score and the ability to download transactions into Quicken, QuickBooks and Excel. Additionally, like the , the Discover it® Business Card offers employee cards at no-cost.

Best Discover and Capital One student credit cards

Discover it® Student Cash Back vs. Journey Student Rewards from Capital One
Discover it® Student Cash Back Journey Student Rewards from Capital One
Sign-up bonus 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. No bonus
Rewards rate 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically 1% 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)
Annual fee $0 $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
14.49% - 23.49% Variable APR
$0
5% cash back on everyday purchases at different places each quarter like
  • No credit score required to apply.
  • 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, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • NEW! 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 14.49% - 23.49% applies.
  • Click "Apply Now" to see terms and conditions.
600 850

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® Student Cash Back card takes the lead in the student credit card category, thanks to its generous cashback rate in popular spending categories and promotional introductory APR on purchases.

The Discover it® Student Cash Back card offers the following rewards rate: 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.

Discover’s 2022 cashback calendar includes a number of appealing bonus categories for students, including grocery stores, gym memberships, gas stations, restaurants, PayPal, Amazon.com and Target. Additionally, for new card members only, 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.

Also, if you need to finance a large purchase, such as a laptop or school books, and pay it off over time, you can do so interest-free for several months with the Discover it® Student Cash Back card. The card offers an intro APR on purchases of 0% Intro APR for 6 months on purchases, then a regular APR of 14.49% - 23.49% variable apr applies.

The Journey Student Rewards from Capital One, on the other hand, offers a flat cashback rate on every purchase, with the opportunity to earn slightly more with responsible card usage.

Cardholders earn 1% 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) — for a total of 1.25% cash back on purchases for that month. The $0 annual fee card also lets you access a higher credit line when you make your first five monthly payments on time.

But beware, if you don’t pay your balance in full each month, you will be subject to a high interest rate of 26.99% (variable) APR on any remaining portion.

| Disclosures
Journey Student Rewards from Capital One
Journey Student Rewards from Capital One
on Capital One's secure site
N/A
26.99% (Variable)
$0
1% Cash Back on all purchases; 0.25% Cash Back bonus on the
  • Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
  • Earn $5 per month for 12 months on Select Streaming Subscriptions when you pay on time. *Exclusions Apply
  • Enjoy no annual fee and no foreign transaction fees
  • You can help build your credit with responsible use of a card like this
  • Be automatically considered for a higher credit line in as little as 6 months
  • $0 fraud liability if your card is ever lost or stolen
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • Pick the monthly due date that works best for you
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Discover and Capital One credit card FAQs

How to apply for a Discover or Capital One credit card

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.

What are some card benefits offered by each issuer?

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 card members 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.

Can you prequalify without hurting your score?

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.

Does it matter whether you choose Discover or Capital One?

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.