08-10-2012 04:01 PM
Which Capital One rewards?
08-10-2012 04:29 PM
08-10-2012 04:36 PM
Between the tow I would take the Capital One Cash with the 1.5% cash back. I had Discover More and switched to Discover Open Road. At least with me their 5% catagories and my needs never seemed to match up most of time.
08-10-2012 05:11 PM
Capital ones cash rewards. The commercial with the baby. I see you have Discover's IT card. Also, why'd you choose that card over the Discover More, if I may ask?
Apple and orange, you can't really compare Cap 1 Cash and Discover More together. One is fixed cashback for all spending while the other is 5% rotating categories. There is no which one is better.
Discover it is really Discover More with UPS delivery and no penalty APR.
08-10-2012 05:33 PM
Pros: 5% cash back rotating categories, 100% US based customer service, automatic credit line increases
Cons: .25% cash back until you spend $3,000 a year, always .25% at discount stores and warehouse clubs, not as widely accepted as MC/Visa
Pros: 1% on everything, .5% annual bonus
Cons: outsourced customer service, credit line increases are rare, three hard pulls when applying
08-10-2012 07:01 PM
I have both cards and prefer using discover wherever accepted. I save a lot from 5% categories, they cover almost each and evrything in discover shop where you can get 5% from online shopping.
08-10-2012 08:45 PM
I have had both - Cap 1 for 4 years and Discover for under a year - aside from rewards - Discover all the way for their better customer service. I closed Cap 1 in the spring and do not regret it at all. I like the shop Discover options with greater cashback rewards and those 5% cashback special categories. I never thought those would add up, but they really do.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.