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
19.49%
APR
- Min
- $0
- Fee
- $0/mo
Best for: INTRO OFFER: Unlimited Cashback Match for all new cardmembers. Discover will automatically match all the cash back youve earned at the end of your first year! Theres no minimum spending or maximum rew
Open with Capital One →Option B
Discover
17.49%
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 9/6/2026.