Capital One vs Discover
Discover CARDS pays 17.49% APR; Capital One CARDS pays 19.49%. Trade-offs depend on what you prioritize — see the breakdown below.
Option A
Capital One
19.74%
APR
- Min
- $0
- Fee
- $0/mo
Best for: Get a 0% intro APR for 15 months on purchases and balance transfers; balance transfer fee applies. Then 18.74% - 28.74% Standard Variable Purchase APR applies, based on credit worthiness
Open with Capital One →Option B
Discover
17.74%
APR
- Min
- $0
- Fee
- $0/mo
Best for: Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
Open with Discover →How this comparison was built
Rates and fees are pulled from each provider's published rate disclosures and reviewed by our product data pipeline. The verdict above is generated from the verified data — we don't accept payments to influence rankings. Last refreshed 10/25/2026.