Credit Cards

[I_SUFFER_FROM_FICO_ENVY]

Just curious.

[trumpet-205]

Which Capital One rewards?

[I_SUFFER_FROM_FICO_ENVY]

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?

[AndySoCal]

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.

[trumpet-205]

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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?

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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.

[asteroidblues86]

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.

[wealthcreator]

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.

[Changingmantra]

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.