Capital One Credit Card vs Discover: Full Comparison You Need Know

Most businessmen, Students and other prefer Discover or Capital One credit cards as the best credit card to build credit, but then If I may ask what really do you know about Capital One Credit Card vs Discover? This is what we’ll be going through here in this post today.

UNI THING about these two cards (Capital One & Discover) has always been that to Apply For Credit Card has always been very easy and simple and this is part of the few differences between them. Just in case you might be also wanting to know other things that are same between them, then check it out below.

Capital One Secured vs. Discover it Secured Same Features

Trust me when I say that just a few things are similar between them. However, check them out below…

1. The Capital One Secured Mastercard® and the Discover it Secured are among the most popular credit cards for people building or rebuilding credit because of many features that include this one “Security Deposit”. Both Discover it® and Capital One® require a security deposit.

2. Most other top Credit Card Account do charges an annual free and here with Discover and Capital One, both card charges an annual fee or foreign transaction fees.

3. When you think of Building and rebuilding credit both are just very much available. However, acceptance is not guaranteed but once you meet up with the income demand and other requirements then you are just very good to go.

CHECK THIS OUT: login credit cards Online – Sign in Capital One

So above are the Discover and Capital One credit cards a few differences between them. Now you can check below to then see Capital One Credit Card vs Discover Differences

Capital One Credit Card vs Discover

Regardless knowing that Capital One and Discover are large financial companies that have been around since the mid-1980s, I guess you already know that they both provide financial products such as bank accounts and loans to consumers with a wide selection of credit cards.Capital One Credit Card vs Discover: Full Comparison You Need Know

However, after showing you what you really want to know which is the Capital One Credit Card vs Discover Differences, I will also be showing you the card both issuers. So check below to see the Capital One Vs. Discover; How Their Credit Cards Compare

Full Comparison You Need Know (Capital One Credit Card vs Discover)

Capital One® Discover it®

Security Deposit And Credit Limit

(Capital One Wins)

Get a $200 line of credit with a deposit of $49, $99 or $200, depending on your creditworthiness. Deposit more money before you open your account to get a higher credit line, up to a maximum of $1,000. The minimum deposit is $200; the maximum, $2,500.


(Discover Wins)

None The rewards set this card apart from nearly every other secured credit card: a generous rewards structure. You’ll earn 2% cash back at restaurants and gas stations, on up to $1,000 spent each quarter, and 1% back on all other purchases.

Interest Rate

(Discover Wins)

The ongoing APR is 26.99% Variable APR. Introductory APR of 10.99% on Balance Transfers for 6 months, and then the ongoing APR of 25.24% Variable APR.

Upgrade Opportunities

(Discover Wins)

Capital One doesn’t spell out a procedure for upgrading to a better card when your credit improves. However, the issuer does say that if you make your first five payments on time, you may gain access to a higher credit line without having to deposit additional money. After eight months, Discover automatically begins reviewing your account for a possible upgrade to a regular card.

Other Features

(Discover Wins)

You can choose your own payment due date. You get free access to your TransUnion VantageScore. As a Mastercard, it’s widely accepted both in the U.S. and abroad. The card waives the late fee on your first late payment. You get free access to your FICO score. Discover is widely accepted in the U.S., but considerably less so overseas.

Branches In Some States

(Capital One Wins)

Capital One has branches in Connecticut, Delaware, Louisiana, Maryland, New Jersey, New York, Texas, Virginia and Washington, D.C. Depending on your preferences and where you live, you may be able to visit a Capital One branch. Discover describes itself as an online financial services company. This means that Discover does not have branches and you can’t walk into a Discover branch and talk to a representative.



0% APR offers

(Discover Wins)

Capital One’s Quicksilver card offers 0% interest on purchases and balance transfers for 15 months (3% transfer fee). The Discover it 18-Month Balance Transfer Offer card gets you 0% for 18 months on purchases and balance transfers (3% transfer fee).

Cards for rebuilding credit

(Discover Wins)

The Capital One Secured Mastercard can get you a security deposit as low as $49 if you qualify. Discover it Secured Card, however, requires a minimum $200 deposit. But it does earn you 2% cash back at restaurants and gas stations up to $1,000 in combined purchases each quarter, and you’ll also be considered for an unsecured card after eight months.

Cards for students

(Capital One Wins)

Capital One Journey Student Rewards offers 1% Cash Back on all purchases, or 1.25% if you pay on time. Discover it for Students offers 5% cash back on your first $1,500 per quarter on rotating categories like gas stations, grocery stores, restaurants, or wholesale clubs.

Cards for small businesses

(Capital One Wins)

Capital One’s five business card offerings, the Spark Cash for Business card is best. It yields 2% cash back on all purchases. There is no annual fee for the first year and $95 after that. Discover is at a clear disadvantage here because it does not offer any small business credit cards

Secondary Benefits

(Capital One Wins)

Capital One’s package provides more favorable terms, particularly with car rental insurance coverage (up to $50,000 vs. Discover’s $25,000) and purchase protection (up to $10,000 per item vs. up to $500) Discover and Capital One both offer car rental insurance, extended warranties and purchase protections among other benefits.

Customer Service / Satisfaction

(Discover Wins)

Capital One also offers 24/7 customer service. Contact them by phone or e-mail, with a one to two days response time. But there are no chat or online messaging features, which limits customers’ access. Discover’s customer service is 100 percent U.S.-based and its customer service representatives are available 24/7. You can contact them by phone or online chat.

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Capital One Vs. Discover Credit Cards Issuers

Category Capital One Discover
Cash Back Capital One® Quicksilver® Cash Rewards Credit Card* Discover it® Cash Back
0% Intro Options Capital One® VentureOne® Rewards Credit Card Discover it® Balance Transfer
Travel Capital One® Venture® Rewards Credit Card Discover it® Miles
New to Credit / Rebuilding Capital One® Secured Mastercard® Discover it® Secured
Student Journey® Student Rewards from Capital One® Discover it® Student Cash Back
Small Business Capital One® Spark® Cash for Business None Available

So this is All you really need to know. Please note that you can always use the comment box below in asking any of your questions or dropping your opinions. Thanks