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POLL: WHICH IS BETTER........Discover More Rewards or Capital One Rewards?

POLL: WHICH IS BETTER........Discover More Rewards or Capital One Rewards?

Just curious.
Message 1 of 8
7 REPLIES
Valued Contributor

Re: POLL: WHICH IS BETTER........Discover More Rewards or Capital One Rewards?

Which Capital One rewards?

Message 2 of 8

Re: POLL: WHICH IS BETTER........Discover More Rewards or Capital One Rewards?

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?
Message 3 of 8
Valued Contributor

Re: POLL: WHICH IS BETTER........Discover More Rewards or Capital One Rewards?

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.

Equifax My FICO score 814 11/29/2016, Discover TU FICO 807 12/29/2016 Citibank Equifax Bankcard FICO score 827 12/27/2016 Average of Accounts 13 years and no Installment accounts, 1 TU inquiry in 2015
Message 4 of 8
Valued Contributor

Re: POLL: WHICH IS BETTER........Discover More Rewards or Capital One Rewards?


I_SUFFER_FROM_FICO_ENVY wrote:
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.

 

Message 5 of 8
Regular Contributor

Re: POLL: WHICH IS BETTER........Discover More Rewards or Capital One Rewards?

Discover

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

 

Capital One

Pros: 1% on everything, .5% annual bonus

Cons: outsourced customer service, credit line increases are rare, three hard pulls when applying

 
I choose Discover. Also both cards have no foreign transaction fees and Discover's online website has better tools.
Message 6 of 8
Contributor

Re: POLL: WHICH IS BETTER........Discover More Rewards or Capital One Rewards?

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.

Walmart TU-724 on 12-2012
EX-707 on 08-2012
EQ-668on 08-2012
_________________________________
Wallet - Discover 1500 | Chase Freedom 1500 | OldNavy Visa 2750 | Walmart 2000 | Amex BCE 6000 | BoA Visa Sig 5000 | Chase Marriott 5000 | Amex Hhonor 2000 | CSP 5000
__________________________________________
Message 7 of 8
Established Contributor

Re: POLL: WHICH IS BETTER........Discover More Rewards or Capital One Rewards?

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.

*Note to self* Remember why and for how long you had to rebuild in the first place! One Day at a Time, One Day at a Time!
Message 8 of 8