topic Re: Rumor/ Report Discover 5% cash back migrating to Capitol One FWIW in Credit Cards

Rumor/ Report Discover 5% cash back migrating to Capitol One FWIW

AndySoCal — Sat, 22 Nov 2025 23:05:39 GMT

The link below is to an article on Doctor of Credit

https://www.doctorofcredit.com/report-discover-5-cards-migrating-to-capital-one-login-in-january-2026/

Re: Rumor/ Report Discover 5% cash back migrating to Capitol One FWIW

Vinjints — Sat, 22 Nov 2025 23:24:04 GMT

That looks like it's just referring to the login. It will be interesting what this becomes once everything settles.

Re: Rumor/ Report Discover 5% cash back migrating to Capitol One FWIW

Varsity_Lu — Sat, 22 Nov 2025 23:58:01 GMT

https://ficoforums.myfico.com/t5/Credit-Cards/Anyone-else-get-a-letter-from-Discover-Capital-One-about-your/m-p/6847867

Re: Rumor/ Report Discover 5% cash back migrating to Capitol One FWIW

Aim_High — Thu, 11 Dec 2025 20:44:14 GMT

Hmmmm ...

I hadn't really considered this before during the earlier talks about the acquisition, but here's a thought. If they are both on the same login and if Capital One is still allowing CL reallocation, I could potentially merge my $50K Savor into my $52K Discover for a $102K limit! (Savor isn't that important to me and Discover is my oldest card, so maintaining it is important for my account age.)

Re: Rumor/ Report Discover 5% cash back migrating to Capitol One FWIW

AndySoCal — Thu, 11 Dec 2025 23:52:25 GMT

@Aim_High I think the Discover Card migration was limited to putting the card on the Capital One card networks. That is my guess right or wrong. The credit card is still on Discover's website not Capital One.

Re: Rumor/ Report Discover 5% cash back migrating to Capitol One FWIW

Stuart89 — Fri, 12 Dec 2025 00:02:48 GMT

Does it really matter? Think they’ll do away with the 5% calendar?

Re: Rumor/ Report Discover 5% cash back migrating to Capitol One FWIW

BrutalBodyShots — Fri, 12 Dec 2025 01:27:37 GMT

I'm just hoping when all the dust settles we'll finally get a commercial with Jennifer Garner and Stifler's Mom together...

@Aim_High I know you've mentioned account age (oldest card) a handful of times when discussing Discover. I'm sure you're aware that closed accounts remain on your reports for ~10 years following closure... so by the time that account were to fall off you'd have to figure all of your ther accounts would be a decade older. With AAoA maxing out at 90 months and AoO(R)A carrying little to no weight on the higher end, it's typically a non factor.

I had a data point thread earlier this year where my AoORA dropped from 24 years to 10 years because I closed my oldest (only) card at 14 years before opening my second card. So, when that then 24 year old account fell off in a decade, my second card had just arrived at 10 years of age. I didn't lose a single FICO point when that happened, because my before/after AAoA was > 90m. Just something to think about! Are there any rules on here about posting a link to a thread elsewhere (like Reddit)? So long as it doesn't violate any rules. I'd gladly share it with you.

Re: Rumor/ Report Discover 5% cash back migrating to Capitol One FWIW

crystal626 — Fri, 12 Dec 2025 08:40:09 GMT

@AndySoCal wrote:
@Aim_High I think the Discover Card migration was limited to putting the card on the Capital One card networks. That is my guess right or wrong. The credit card is still on Discover's website not Capital One.

I already got a letter in the mail that they're going to be moving one of my two cards to the Capital One site.

Re: Rumor/ Report Discover 5% cash back migrating to Capitol One FWIW

Aim_High — Fri, 12 Dec 2025 22:10:52 GMT

@BrutalBodyShots wrote:

@Aim_High I know you've mentioned account age (oldest card) a handful of times when discussing Discover. I'm sure you're aware that closed accounts remain on your reports for ~10 years following closure... so by the time that account were to fall off you'd have to figure all of your ther accounts would be a decade older. With AAoA maxing out at 90 months and AoO(R)A carrying little to no weight on the higher end, it's typically a non factor.

I had a data point thread earlier this year where my AoORA dropped from 24 years to 10 years because I closed my oldest (only) card at 14 years before opening my second card. So, when that then 24 year old account fell off in a decade, my second card had just arrived at 10 years of age. I didn't lose a single FICO point when that happened, because my before/after AAoA was > 90m. Just something to think about! Are there any rules on here about posting a link to a thread elsewhere (like Reddit)? So long as it doesn't violate any rules. I'd gladly share it with you.

Excellent question and some valid points, @BrutalBodyShots. However, the topic is unrelated to this thread and has the potential to derail it. Plus, you've started some great topics lately and this might be a good one to highlight for the community-at-large. So, I think I'll reply on a new thread, and thanks for motivating the discussion! See my new thread >here<.