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Contributor
Posts: 75
Registered: ‎04-03-2012
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POLL: WHICH IS BETTER........Discover More Rewards or Capital One Rewards?

Just curious.
Valued Contributor
Posts: 2,505
Registered: ‎11-11-2010
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Re: POLL: WHICH IS BETTER........Discover More Rewards or Capital One Rewards?

Which Capital One rewards?

In My Wallet:
Citi Forward (12/2010) | Citi Dividend (05/2011) | Chase Freedom (11/2011) | GECRB/PayPal (05/2012)
Discover it (07/2012) | AMEX BCP (09/2012) | TD/Target REDCard (10/2012) | Chase Ink Classic (11/2012)
BofA BBR (04/2013) | FNBO/Overstock.com (02/2014) | Barclaycard Arrival (04/2014) | FIA/Fidelity AMEX (04/2014)
Contributor
Posts: 75
Registered: ‎04-03-2012
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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?
Valued Contributor
Posts: 1,978
Registered: ‎04-07-2009
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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 815 5/28/2012, 818 on 7/28/2014 . Average of Accounts 12 years and no Installment accounts. MyFICO TU 810 6/26/2012 809 4/21/2013 MyFICO XPN -805. 2/26/2014 Discover TU FICO 813 App free since 9/2011
Valued Contributor
Posts: 2,505
Registered: ‎11-11-2010
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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.

 

In My Wallet:
Citi Forward (12/2010) | Citi Dividend (05/2011) | Chase Freedom (11/2011) | GECRB/PayPal (05/2012)
Discover it (07/2012) | AMEX BCP (09/2012) | TD/Target REDCard (10/2012) | Chase Ink Classic (11/2012)
BofA BBR (04/2013) | FNBO/Overstock.com (02/2014) | Barclaycard Arrival (04/2014) | FIA/Fidelity AMEX (04/2014)
Regular Contributor
Posts: 234
Registered: ‎08-04-2012
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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.
Contributor
Posts: 211
Registered: ‎07-02-2012
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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
__________________________________________
Established Contributor
Posts: 676
Registered: ‎01-24-2008
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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.

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