Capital One Platinum vs Discover It

Compare Rewards, Interest Rates, Fees, and Benefits

Capital One Platinum is a Fair Credit credit card. How does it compare to Discover It, a cash back card? Read our comparison chart below.

	Capital One Platinum Credit Card	Discover it® Cash Back
	Credit Card Interest Rates & Fees
Introductory APR for Purchases	N/A	0% introductory APR for 15 months
Introductory APR for Balance Transfers	N/A	0% introductory APR for 15 months
Purchase APR	29.74% (Variable) based on your creditworthiness and other factors	18.24% to 27.24% Variable based on your creditworthiness and other factors
Balance Transfers APR	29.74% (Variable) based on your creditworthiness and other factors	18.24% to 27.24% Variable based on your creditworthiness and other factors
Balance Transfer Fee	No balance transfer fee	3% of the amount of each transfer.
Foreign Transaction Fee	No foreign transaction fee	No foreign transaction fee
Annual Fee	$0 annual fee	$0 annual fee
	Credit Card Rewards & Benefits
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		1% cash back on all other purchases.
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.
	CreditDonkey® Credit Card Reviews
Pros & Cons		Pros: 5% bonus rotating categories Intro APR on purchases and balance transfers No foreign transaction fee No annual fee Cons: Some merchants don't accept Discover
Bottom Line		Excellent cash back credit card with no annual fee and low interest rate... Read full review
		Read 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 January 3, 2025 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 January 11, 2025 from published websites and is believed to be accurate, but not guaranteed.