Discover (a Capital One company) credit cards
No-annual-fee cards with 5% rotating categories and first-year Cashback Match, on its own network. Accounts began migrating to Capital One's systems July 27, 2026, in waves through 2027.
About Discover (a Capital One company)
Discover, now a Capital One company, is a card issuer and payment network best known for no-annual-fee cash-back cards such as Discover it Cash Back, with 5% rotating quarterly categories and a first-year Cashback Match. It also offers Discover it Miles, Discover it Chrome, Discover it Student Cash Back and the Discover it Secured Credit Card.
Discover suits students, people building credit and anyone who wants cash back without an annual fee. Its official pre-approval check lets you see offers with no harm to your credit score, and its current cards list no foreign transaction fee. The limitation: Capital One began moving Discover accounts onto its own systems on July 27, 2026, in waves through 2027, so card features, application rules and servicing details may change during the transition. Watch for notices from Discover before relying on older rules of thumb.
Notable Discover (a Capital One company) cards
- Discover it Cash Back
- Discover it Miles
- Discover it Chrome
- Discover it Secured
- Discover it Student
Discover (a Capital One company) cards compared
| Card | Annual fee | Rewards | Intro APR | Foreign fee | Credit needed | Rating |
|---|---|---|---|---|---|---|
Capital One Venture X RewardsTravelers wanting premium perks at a lower net cost |
$395/yr | 10x hotels & cars via Capital One Travel, 5x flights via portal, 2x ev… | None | None | Excellent (740+) | |
Capital OneVenture Rewards 4491 2049 3838 5912 VALID THRU 01/30TAYLOR REED Capital One Venture RewardsTravelers who want flat-rate miles with zero category tracking |
$95/yr | 5x hotels & cars via portal, 2x miles on all other purchases | None | None | Good to Excellent (700+) | |
Discoverit Cash Back 6011 1281 7439 6075 VALID THRU 04/31CASEY BROOKS Discover it Cash BackFirst-year value seekers and quarterly category optimizers |
None | 5% rotating categories on up to $1,500/quarter (activation), 1% other;… | 0% intro APR on purchases for 15 months | None | Good (670+) | |
Discoverit Secured 6011 5181 0631 0824 VALID THRU 09/28JORDAN TAYLOR Discover it Secured Credit CardBuilding or rebuilding credit while still earning rewards |
None | 5% cash back in rotating quarterly categories (activation and quarterl… | None | None | New / rebuilding credit | |
Capital OneSavor Cash Rewards 5453 5469 2866 2988 VALID THRU 08/31CASEY BROOKS Capital One Savor Cash Rewards Credit CardDining, grocery and streaming spenders who want plain cash back |
None | 3% on dining, entertainment, popular streaming services and at grocery… | 0% intro APR on purchases and balance transfers for 15 month… | None | Good to Excellent (700+) | |
Discoverit Student Cash Back 6011 3529 4224 4421 VALID THRU 12/30AVERY PATEL Discover it Student Cash BackStudents building credit with strong first-year value |
None | 5% on rotating quarterly categories (activation required, up to the qu… | 0% intro APR on purchases for 6 months | None | Fair to Good (limited credit O… | |
Capital OneQuicksilver Cash Rewards 5218 5480 2248 6237 VALID THRU 05/29TAYLOR REED Capital One Quicksilver Cash RewardsPeople who want dead-simple flat cash back with no fee |
None | 1.5% on all purchases, 5% on hotels & cars via Capital One Travel | 0% intro APR on purchases & balance transfers for 15 months | None | Good (690+) | |
Capital One Platinum SecuredPeople rebuilding credit who want a low or flexible deposit |
None | No rewards — focused on credit building | None | None | Limited / Rebuilding | |
Capital OneVenture Business 4983 1535 3146 1262 VALID THRU 05/29JORDAN TAYLOR Capital One Venture Business CardBusiness owners who want flat-rate travel miles |
$95/yr | 2 miles per $1 on every purchase; 5 miles per $1 on hotels, vacation r… | None | None | Good to excellent | — |
Approval rules and tips
Historically max 2 Discover cards and 1 per 12 months; rules may change under Capital One (uncertain).
- Use the 'See if you're pre-approved' check on discover.com; Discover says it causes no harm to your credit score.
- Historically, Discover was widely reported to allow at most two Discover cards and one new card every 12 months; these rules may change under Capital One.
- Students and people with limited credit can look at Discover it Student Cash Back or Discover it Secured.
- The secured card needs a refundable deposit, which sets your credit line, and has no annual fee.
How to apply for a Discover (a Capital One company) card
Apply online at discover.com or in the Discover app. Start with the official 'See if you're pre-approved' check, which Discover says causes no harm to your credit score; a full application results in a hard inquiry. Have your Social Security number, date of birth, address, total annual income and monthly housing costs ready. Secured card applicants also need a bank account to fund the refundable deposit.
Customer service: www.discover.com · 1-800-347-2683
Discover (a Capital One company) FAQs
What credit cards does Discover (a Capital One company) offer?
Discover (a Capital One company)'s notable cards include Discover it Cash Back, Discover it Miles, Discover it Chrome, Discover it Secured, Discover it Student. See the cards we review below for fees, rewards and APRs.
Does Discover (a Capital One company) have special approval rules?
Historically max 2 Discover cards and 1 per 12 months; rules may change under Capital One (uncertain).
How do I apply for a Discover (a Capital One company) credit card?
Apply on www.discover.com. Check any pre-qualification tool first — it uses a soft inquiry that does not affect your credit score.
How do I activate a new Discover (a Capital One company) card?
See our step-by-step guide to activating a Discover card — online, in the app or by phone.
Is Discover still a separate company?
No. Discover is now part of Capital One, and discover.com pages note that you are on a Capital One webpage. Discover-branded cards are still offered, but accounts began moving to Capital One's systems on July 27, 2026, in waves through 2027. Watch for notices from Discover about any changes to your account.
Do Discover cards charge foreign transaction fees?
Discover's current cards, including Discover it Cash Back, Discover it Secured and the student card, list no foreign transaction fee. The Discover network is accepted in many countries, but coverage abroad can be less consistent than Visa or Mastercard, so it is sensible to carry a backup card when you travel.
Does Discover have a secured card?
Yes. The Discover it Secured Credit Card has no annual fee and requires a refundable security deposit, which sets your credit line. It earns cash back and is included in Discover's first-year Cashback Match. Discover reviews accounts for a move to an unsecured card, which returns your deposit, after a period of on-time payments.