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Capital One Platinum vs Discover It

Compare Rewards, Interest Rates, Fees, and Benefits

Capital One Platinum is a good no annual fee credit card for people with average credit.. How does it compare to Discover It, a cash back credit card? Read our comparison chart below.

 

Capital One® Platinum Credit Card

Discover it® Cash Back

 
$0 Fraud Liability
Introductory Bonus Cash BackCash Back RewardsBonus Cash BackNo Limits on Rewards$0 Fraud Liability
 

Credit Card Interest Rates & Fees

Introductory APR for PurchasesN/A0% introductory APR for 14 months
Introductory APR for Balance TransfersN/A0% introductory APR for 14 months
Purchase APR24.99% (Variable) based on your creditworthiness and other factors13.49% to 24.49% Variable based on your creditworthiness and other factors
Balance Transfers APR24.99% (Variable) based on your creditworthiness and other factors13.49% to 24.49% Variable based on your creditworthiness and other factors
Balance Transfer FeeNo balance transfer fee3% of the amount of each transfer.
Foreign Transaction FeeNo foreign transaction feeNo foreign transaction fee
Annual Fee$0 annual fee$0 annual fee
 

Credit Card Rewards & Benefits

Introductory Bonus Cash Back Introductory Bonus Cash Back: Discover will match all the cash back you've earned at the end of your first year (only for new cardmembers).
Cash Back Rewards Cash Back Rewards: 1% cash back on all other purchases.
Bonus Cash Back Bonus Cash Back: 5% cash back on up to $1,500 in purchases in rotating categories that change each quarter (requires free and easy sign-up for 5% Cashback Bonus)*
Limitations apply*. See issuer's website for additional program details.
Bonus Categories for 2017:
October - December 2017: 5% on up to $1,500 in purchases at Amazon.com & Target
Bonus Categories for 2018:
January - March 2018: 5% on up to $1,500 in purchases at Gas Stations & Wholesale Clubs
April - June 2018: 5% on up to $1,500 in purchases at Grocery Stores
July - September 2018: 5% on up to $1,500 in purchases at Restaurants
October - December 2018: 5% on up to $1,500 in purchases at Amazon.com & Wholesale Clubs
 

CreditDonkey® Credit Card Reviews

Pros & ConsPros:
  • No Annual Fee
Cons:
  • No rewards
  • No intro APR
Pros:
  • 5% bonus rotating categories
  • 0% intro APR on purchases and balance transfers for 14 months, then a variable APR, currently 13.49% - 24.49%
  • No foreign transaction fee
  • No annual fee
Cons:
  • Some merchants don't accept Discover
Bottom LineGood no annual fee credit card for people with average credit... Read full reviewExcellent cash back credit card with no annual fee and low interest rate... Read full review
 Learn MoreRead Discover It Review

Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the issuer's website for details.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

Disclaimer: The information for the Capital One® Platinum Credit Card and Discover it® Cash Back has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

Capital One Platinum: Pricing information including interest rates, rewards, benefits and fees was obtained on March 29, 2018 from published websites and is believed to be accurate, but not guaranteed.

Discover It: Pricing information including interest rates, rewards, benefits and fees was obtained on April 2, 2018 from published websites and is believed to be accurate, but not guaranteed.


Explore Capital One® Platinum Credit Card In-Depth


Explore Discover it® Cash Back In-Depth


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    Capital One Quicksilver offers unlimited 1.5% cash back with no rotating bonus categories or annual fees. Read on to find out if it's worth having.

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    Disclaimer: The information for the Capital One® Quicksilver® Cash Rewards Credit Card has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.


Compare Capital One Platinum to:


Introductory Bonus Cash BackCash Back RewardsNo Expiration on RewardsNo Limits on RewardsConciergeExtended Warranty$0 Fraud Liability
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% intro on purchases for 15 months
0% intro on balance transfers for 15 months
14.49% - 24.49% (Variable)
$0


StudentCash Back RewardsCar Rental InsuranceExtended WarrantyTravel Accident Insurance$0 Fraud Liability
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
24.99% (Variable)
$0

Disclaimer: The information for the Capital One® Quicksilver® Cash Rewards Credit Card and Journey® Student Rewards from Capital One® has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.


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Compare Discover It to:

Chase Freedom Unlimited

Chase Freedom Unlimited®

Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
0% for 15 months
0% for 15 months
16.49% - 25.24% Variable
Annual Fee
$0
Chase Sapphire Preferred

Chase Sapphire Preferred® Card

Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
N/AN/A
17.49% - 24.49% Variable
Annual Fee
$0 Intro for the First Year, then $95
Capital One Venture

Capital One® Venture® Rewards Credit Card

Introductory Bonus Airline RewardsTravel RewardsAirline RewardsNo Expiration on Rewards
Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
N/AN/A
14.49% - 24.49% (Variable)
Annual Fee
$0 intro for first year; $95 after that

Disclaimer: The information for the Capital One® Venture® Rewards Credit Card has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

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About CreditDonkey®
CreditDonkey is a credit card comparison website. We publish data-driven analysis to help you save money & make savvy financial decisions.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

†Advertiser Disclosure: Many of the card offers that appear on this site are from companies from which CreditDonkey receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditDonkey does not include all companies or all offers that may be available in the marketplace.

*See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.