Question 1

Will my credit card have an annual fee?

Accepted Answer

No. You will continue enjoying your Discover card benefits with no annual fee.

Question 2

Will my credit card's APR remain the same?

Accepted Answer

You will receive Account Terms by email or mail, if you haven't already, alongside other important information from Capital One that outlines your APR—that's the best place to look because APR varies from cardholder to cardholder.

Question 3

Will this change impact my credit score?

Accepted Answer

No. This change won't be reported as a new account, and your account open date will appear as the same date currently reported on your credit file. The credit bureaus will continue to receive updates based on your ongoing account performance.

Question 4

Will this change be reported in my credit report?

Accepted Answer

This change won't be reported as a new account, and your account open date will appear as the same date currently reported on your credit file. The info previously reported to the credit bureaus will be updated with the name "Discover by Capital One" or "Capital One" (this name may be abbreviated), and the credit bureaus will continue to receive updates based on your ongoing account performance.

Even if your credit monitoring service alerts you because of the name change, your account info and open date stay the same.

Question 5

Will my credit limit remain the same?

Accepted Answer

Yes. However, Capital One reserves the right to increase or decrease your credit line at any time.

Question 6

Will I need to set up paperless statements for my credit card again?

Accepted Answer

To continue to receive paperless statements with Capital One, you will need to set up your online account access with Capital One and agree to paperless terms and conditions. If you don’t set up your online account access with Capital One within 120 days, your paperless setting will reset and you’ll receive paper statements by default.

Question 7

Will my Capital One account retain my credit card alert preferences?

Accepted Answer

We'll transfer your cardholder alert preferences; however, some preferences might have changed during the migration process. We recommend you sign in through the Capital One website and app to verify and, if needed, update your alert preference settings.

Question 8

Can I see my old credit card statements?

Accepted Answer

You'll be able to view the last 7 years of your credit card statement history using the Capital One website.

Question 9

Will I still see my FICO® score on my statement?

Accepted Answer

Most customers can continue seeing their FICO score on their Capital One credit card statements by signing up for our free credit monitoring tool, CreditWise. Sign up using the Capital One website or app. The credit score provided in CreditWise is a FICO Score 8 based on TransUnion data and gives a good sense of your credit health. However, it may not be the same score model used by your lender or creditor. In order to enroll in CreditWise, you need to be over the age of 18 with a valid Social Security number that can be matched to a credit profile with TransUnion. Learn more at creditwise.com.

For customers who are enrolled in the paid Discover Identity Theft Protection product, your FICO 8 Score will automatically be available to you on your card statement.

Question 10

I signed up for credit and dark web alerts with Discover. Will I be able to sign up for them with Capital One?

Accepted Answer

While you won't have access to free credit and dark web alerts with Discover, CreditWise from Capital One provides both of those for free. Eligible cardholders can sign up for CreditWise on the Capital One website and app for free dark web alerts, credit monitoring and credit alerts based on select changes to your TransUnion® and Experian® credit reports.

In order to enroll in CreditWise, you need to be over the age of 18 with a valid Social Security number that can be matched to a credit profile with TransUnion.

Question 11

I currently have the paid Identity Theft Protection product from Discover, will I be able to keep this product?

Accepted Answer

Yes, if you are a Discover cardholder who currently has Identity Theft Protection, you can expect to continue to have access to that product once your account is ready with Capital One. You will be able to access your membership and dashboard through the CreditWise app, in the Capital One app or online at capitalone.com. You will receive more information on accessing your account.

Question 12

Will my credit card's promotional APR or balance transfer offers be transferred?

Accepted Answer

If you’ve already enrolled in a promotional APR or balance transfer offer, your promotional APR will be transferred.

Question 13

Will my credit card monthly statement look the same?

Accepted Answer

Your Capital One credit card statement will look very similar to your Discover credit card statement.

Question 14

Can I opt out of marketing emails from Capital One?

Accepted Answer

You can unsubscribe from marketing emails at any time. You'll still receive important servicing emails related to your card account.

Question 15

Will authorized users and joint account holders receive a new card?

Accepted Answer

Yes. Authorized users and joint account holders will receive a new card with their own 16-digit card number once their account moves to Capital One. We will let the primary cardholder know when the new cards are on their way. Until then, users can continue using their current card.

Question 16

Why will authorized users and joint account holders receive new cards, with unique card numbers?

Accepted Answer

Capital One issues unique 16-digit card numbers to every cardholder on the account. A unique 16-digit card number for authorized users and joint account holders gives primary cardholders more control by making it easy to track purchases by cardholder, lock individual cards and keep tabs on each cardholder’s spending. While each cardholder has a unique 16-digit card number, each card is still linked to the same primary cardholder’s account, including all transactions, balances and rewards.

Question 17

Will authorized user's and joint account holder's cards still be linked to the primary cardholder's account?

Accepted Answer

Yes. Authorized user and joint account holder cards will continue to be linked to the primary cardholder’s account. All transactions will appear on the primary cardholder’s statement.

Question 18

Will there be any impacts to how authorized users earn rewards or the account rewards balance?

Accepted Answer

No. Rewards earn rates will remain the same and existing Discover card rewards balances will be carried over as part of the move to Capital One. Rewards earned by authorized users and joint account holders will continue to be added to the account rewards balance.

Question 19

What access will authorized users have to manage the account with the move to Capital One?

Accepted Answer

Eligible authorized users will be able to set up online account access with Capital One after they receive their new card. Authorized users will be able to view their own transactions and make one-time payments on the primary cardholder’s account

Please note: Authorized users must be at least 18 years old to be eligible for online access. Setting up an online account requires verification of the authorized user’s Social Security number. Not all authorized users will be eligible.

Question 20

What permissions will joint account holders have to manage the account with the move to Capital One?

Accepted Answer

Joint account holders will have similar permissions to primary cardholders and can continue to perform account management tasks by calling the customer service number on the back of their card.

Question 21

Will my credit card continue to work with digital wallets?

Accepted Answer

You will be able to continue using Apple Pay, Google Pay, Samsung Pay, and PayPal. Recurring subscriptions made with Apple Pay may need to be re-established.

New cards must be updated in your digital wallet. Note that Apple Pay no longer supports rewards or detailed transaction info. While existing Garmin Pay and Click to Pay setups will remain active, new enrollments will no longer be supported.

Question 22

Which digital wallets can I add my credit card to?

Accepted Answer

You can add your card to Google Pay, Apple Pay, PayPal, and Samsung Pay. Discover cards are not yet available to add to the Paze digital wallet, but that is coming soon.

If you want to add your card to Amazon.com, you need to do it at Amazon, not at Capital One. You won't be able to use Amazon's Palm Pay capability.

Question 23

Can I generate a virtual card number for my credit card?

Accepted Answer

After your account is ready with Capital One, eligible cardholders can create virtual cards using the Capital One website and app. Please note that in some cases, you may not have access to your full credit line until your physical card is activated. Virtual card numbers are not available for debit cards and some credit cards.

Cardholders who previously enabled virtual card numbers will be able to access Google Pay virtual card numbers for 45 days. After this period, only cardholders who have verified their identity with the Capital One website and app will continue to have access. During this process, you may temporarily lose access to your autofill virtual card numbers.

Question 24

Why did I receive a communication informing me that my credit card digital wallet terms and conditions are changing?

Accepted Answer

As a digital wallet user, you accepted terms and conditions from Discover to add your card to Apple Pay, Google Pay, Samsung Pay or Garmin Pay. When your account moves to Capital One, your terms will change. You can find the Capital One digital wallet terms and conditions here: Capital One Mobile Payments Terms & Conditions and Capital One Google Pay User Terms.

If you want to stop using your digital wallet, you can opt out by deleting your card from the digital wallet.

If you want to stop using your digital wallet, you can opt out by deleting your card from the digital wallet.

Question 25

Why did I hit an error when trying to add my credit card to a digital wallet?

Accepted Answer

We're sorry to hear you're having trouble adding your card to a digital wallet.

Some common reasons this might happen:

You might have added your card details incorrectly. Make sure you've correctly entered the expiration date and CVV.
 If you're traveling internationally, you might not be able to add your card to a wallet. When you're back in the US, you should be able to add your card. If you're using a VPN, you might encounter an error for this same reason. 
 You can't add virtual card numbers to wallets such as Apple Pay. Make sure you're entering your physical card number into the wallet app.

Question 26

Will primary cardholders receive a new card?

Accepted Answer

No, primary cardholders will not receive a new card. Primary cardholders can continue to use their card, now and after your account moves to Capital One. Additionally, places where a primary cardholder has their current 16-digit card number stored online will continue to work.

Question 27

Will I be able to keep my existing credit card design?

Accepted Answer

Most primary cardholders will be able to continue to use their current card, with their existing card design.

Cardholders who are reissued new cards may receive a new card design based on availability.

We're working on a feature to allow primary cardholders to update their card design in the Capital One app.

Question 28

How can I activate my new credit card?

Accepted Answer

If you receive a new credit card after your account has moved to Capital One, you can activate it using the Capital One app, by visiting discover.capitalone.com, or by calling 877-250-2392.

Question 29

Do I have to apply for a new credit card?

Accepted Answer

No application is needed.

Question 30

What will happen to my temporarily deactivated credit cards?

Accepted Answer

If you have a temporarily deactivated card, it may get activated during the move. We'll send you emails or letters with info on when and how to get started with Capital One. At that point, you can verify your card's status. If necessary, you can lock your account to block future charges.

Question 31

Will my credit card one-time scheduled payment transfer?

Accepted Answer

We'll move your account to Capital One, including your scheduled payments. If we're not able to transfer your scheduled payments to Capital One, we'll let you know by email or letter.

Question 32

Will my credit card automatic payment settings transfer?

Accepted Answer

We'll move your account to Capital One, including your automatic payments. If we're not able to transfer your automatic payments to Capital One, we'll let you know by email or letter.

Question 33

What if I need to cancel my payment?

Accepted Answer

If you'd like to cancel a payment before your account moves to Capital One, you may do so with Discover prior to 5pm ET on the scheduled payment date.

After your account moves to Capital One, if you need to cancel a future payment, you must do so prior to midnight ET the night before the scheduled payment date.

Question 34

Will my credit card minimum payment remain the same?

Accepted Answer

You will receive Account Terms by email or mail, if you haven't already, alongside other important information from Capital One that outlines how your minimum payment will be calculated—that's the best place to look because minimum payment info varies from cardholder to cardholder.

Question 35

Will my credit card payment due dates remain the same?

Accepted Answer

Your credit card due date will likely stay the same. For some customers, we will change your due date cycle to avoid technical issues. If your due date changes, we'll notify you by letter or email, and you'll also see it in your first monthly statement.

Question 36

Where do I make credit card payments?

Accepted Answer

Before your account moves, you can continue to make payments using the Discover website, app, phone or mail.

After your credit card account is ready with Capital One, make payments using the Capital One website, app, phone or mail. Also keep in mind we'll transfer your automatic payments and scheduled payments. If something isn't right, we'll notify you with more info.

AutoPay: Make recurring payments on your Capital One credit card account.
 Online payment: Make or schedule a one-time payment online.
 Pay by phone: Make a one-time payment by calling the phone number on your statement.
 Pay by mail: Send a check or money order to Capital One by U.S. Mail or express overnight shipping. If you mail your payment, the date we receive it—not the date it was mailed/postmarked—determines whether the payment is on time or late. Find mail addresses.

Question 37

Will any of my existing subscriptions or recurring payments at merchants be impacted?

Accepted Answer

Your existing subscriptions and recurring payments are unlikely to be interrupted. However, if the recurring payment method is Apple Pay, you'll likely need to re-add your credit card to the site to re-establish payment. We recommend you check to be sure.

Question 38

Will I be able to maintain my third-party apps (like Acorns, Venmo, Robinhood) after I convert to Capital One?

Accepted Answer

As your Discover account moves to Capital One to manage, any existing connections between third-party applications and your account will need to be re-established. This ensures that you wish to continue sharing data. After re-establishing connections between your Capital One account and third party applications, you’ll be able to safely and securely manage the data you share with those third parties.

To re-connect a third-party app to your new Capital One account, you must first re-establish your credentials with Capital One:

Re-establish Credentials: Make sure you have successfully set up your account either on Capital One’s app or website.
 Go to the Third-Party App: Open the third-party application you wish to connect your account with (e.g., Venmo, CashApp) and select Capital One as your financial institution.
 Authenticate: The third party app will direct you to Capital One where you will:
 
  – Securely login using your Capital One credentials.
  – Select which accounts you want to share.
  – Provide your consent for Capital One to share your data.

You’re all Set! Once you have successfully completed this process, you should be sent back to the third-party app which will be securely connected to your Capital One account and able to access relevant data.

You can view and manage these connections within the Capital One app or website at any time. Go to the Security section under your profile and look for “Linked Apps.” We will send you confirmation via email for apps you link or unlink and may also remind you about your ongoing data sharing to provide transparency into and control over your current connections.

Please note, if you have multiple Discover accounts that are moving to Capital One at different times, or even if you already have a Capital One account connected to a third-party, you will need to go through the re-connection flow described above each time a product migrates. This is an important step so we can get your consent to share data on an account-by-account basis and keep your information secure. Discover accounts that have not yet converted to Capital One will not appear in the ‘Authenticate’ step described above.

Question 39

Is my Discover credit card still eligible for the 5% cash back rewards program?

Accepted Answer

Yes. You can continue to enjoy the 5% cash back rewards program with your Discover it Cash Back card or Discover More card. You'll still need to activate each quarter to continue earning 5% cash back on the eligible categories for purchases up to $1,500.

Question 40

Will my credit card rewards balance remain the same?

Accepted Answer

Yes. Your rewards balance will stay the same. Your rewards won't expire for the life of your card account.

Question 41

Will my credit card's earn rate remain the same?

Accepted Answer

Yes. Your credit card earn rate will remain the same.

Question 42

Will I still need to activate to earn 5% cash back?

Accepted Answer

For Discover it Cash Back and Discover More cardholders, if you already activated your 5% cash back for the quarter, this will move with your account to Capital One and stay active for the quarter.

If you haven't activated your 5% cash back, you can activate it with Discover before your account moves, or with Capital One after your account moves.

Remember that you have to activate each quarter to keep earning 5% cash back on the eligible categories for purchases up to $1,500.

Question 43

For Discover credit cards featuring Cash Back Match and Discover Match, will Capital One still match rewards I earn within the first year?

Accepted Answer

Yes. Capital One will continue to match rewards earned within your first year.

Question 44

Will I have access to any new benefits from Capital One as a credit card cardmember?

Accepted Answer

Once you set up online access with Capital One, you'll have access to benefits like these:

Capital One Travel: Earn 5% cash back or 5X miles on hotels, vacation rentals, rental cars and activities booked through Capital One Travel.1
 Capital One Entertainment: Earn 5% cash back or 5X miles on tickets and events booked through Capital One Entertainment.2
 Capital One Offers: Earn up to 15% cash back or 15X miles when shopping online directly through Capital One Offers.3
 More for authorized users: Track spend by user, plus eligible authorized users can sign in to view their account.
 Virtual card numbers: Create unique virtual card numbers with Capital One to help shop securely online.
 Enhanced digital features: Explore spend management tools on the Capital One website and app.

Question 45

Will my credit card rewards redemption options remain the same?

Accepted Answer

New rewards redemption options will be available with Capital One:

Miles cardholders may apply rewards for gift card redemptions.
 Discover cash rewards cardholders will be able to redeem rewards to offset eligible purchases made with the card.

Some of your rewards redemption options will change, including:

Rewards may continue to be redeemed for gift cards with at least 5% added value, and with a new minimum redemption amount of $25.
 Automatic statement credit redemption is still available, but you will need to re-enroll your preferences in the Capital One website.

Some rewards redemption options will no longer be available after your account moves to Capital One

Rewards cannot be applied toward your minimum payment. You will be able to apply rewards to your account balance as a statement credit through the Redeem for cash option. 
 Pay with Rewards with Apple Pay is not available with Capital One.

For more details about rewards redemption options, reference Your Rewards Program Terms & Conditions that arrived in the mail alongside other important information from Capital One.

Question 46

Will my credit card rewards enrollment preferences be transferred?

Accepted Answer

There will be some changes to your enrollment preferences:

Pay with Rewards with PayPal and at Amazon.com: Your enrollment will transfer in most cases, or you will have the ability to re-enroll.
 Automatic Statement Credit: Your enrollment in automatic statement credit will not transfer. You will need to re-enroll your preferences in the Capital One website.
 Pay with Rewards with Apple Pay: This redemption option is not available with Capital One.

Question 47

How do I find my credit card rewards balance?

Accepted Answer

As a primary cardholder, to view your available rewards balance:

1. Sign in using the Capital One website and app.

2. Select your card and navigate to the rewards section.

Question 48

Will the Referral Program continue to be available?

Accepted Answer

The Referral Program may be temporarily unavailable as we work to help cardholders get situated.

Question 49

Will I lose access to my accounts on Discover.com or in the Discover app?

Accepted Answer

When your account is ready with Capital One, you’ll no longer be able to view or manage that account on Discover.com or in the Discover app. You'll use the Capital One website and app to sign in and manage your account.

If you have multiple Discover accounts, they may be ready to manage with Capital One at different times. You can continue using Discover.com or the Discover app for any accounts that are still with Discover, until all of your accounts are ready to be managed with Capital One.

Question 50

How can I set up my online account access with Capital One?

Accepted Answer

When it's time to set up online access with Capital One, we'll send you an email or letter with info on when and how to get started.

Question 51

What happens if I can't remember my Discover sign-in credentials?

Accepted Answer

You'll be guided through how to get started so you can sign in with Capital One. Start by resetting your password on Discover's website and app. Then follow the prompts. You can also do so on the Capital One website and app.

If you have an existing Capital One account: 
1. Sign in to your existing Capital One online account using the Capital One website or app. 
2. Link your Discover card by following the prompts.

Question 52

What fraud and security features does Capital One offer?

Accepted Answer

Access fraud and security features with Capital One, including:

$0 liability for unauthorized charges: If your card is lost or stolen, you won't be responsible for unauthorized charges, subject to investigation and verification.
 Proactive account alerts: Receive an alert if Capital One detects a potential mistake or unexpected charge.
 Fraud detection and security alerts: Get notified if Capital One notices potential suspicious activity on your account.

Question 53

What happens if I have a credit card with Freeze it status?

Accepted Answer

If you have a credit card with Freeze it status:

Capital One offers a Card Lock feature that resembles Freeze it.
 The Freeze it setting on your credit card will move to Capital One, where we will apply Card Lock to all your purchase and cash advance transactions. 
 Balance transfers may still be authorized. 
 All recurring charges that were previously authorized at Discover may no longer go through. You'll need to re-set up those recurring subscriptions. 
 If you have authorized users, you need to lock their cards individually, and the primary cardholder or account manager is able to unlock authorized users’ cards online. 
 If you want to spend using your credit card, unlock your card using the Capital One website and app.

Question 54

Is there anything I can do to protect my info?

Accepted Answer

We'll never ask you for sensitive info like your card number, password or a one-time code. If you're in doubt, please call us directly.

Question 55

Do I need to contact Capital One before traveling internationally?

Accepted Answer

No, you don't need to notify us about your travel plans. You can use your card abroad the same as you use it at home. Make sure you update your email and phone number in case we need to reach you. You can also reference the Discover Global Network Travel Guide to confirm where your card is accepted.

Question 56

How do I manage my credit card online?

Accepted Answer

Before your account is ready with Capital One, you can continue to manage your Discover card using Discover.com or the Discover app.

We'll notify you when it's time to get started with Capital One. At that time, you'll be able to enroll online and begin managing your account using the Capital One website and app.

Question 57

Will there be limited functionality on the Discover site and app in the days leading up to the move?

Accepted Answer

Prior to your account being ready at Capital One, some features won't be available on the Discover website and app for a period of time. This is to ensure we move over your account information accurately. This includes making changes to account details and redeeming rewards. This will be temporary and you'll be able to access most of these features on the Capital One website and app after your account has moved.

Question 58

Will my Discover credit card change to a Capital One credit card?

Accepted Answer

The Discover brand and network are not going away, but the way you'll manage your credit card account will change. Once we set up your credit card account with Capital One, you'll need to manage it using the Capital One website and app.

Question 59

What if I have more questions or feedback?

Accepted Answer

You can continue to reach us at 800-DISCOVER (800-347-2683). We'll continue to provide excellent service and ensure you're connected with a representative who will address your needs. Please note, however, that certain specialized agents may not be available 24/7.

Once you've enrolled online with Capital One, you'll also be able to chat with Eno, your Capital One assistant, and explore help articles and FAQs.

Question 60

I currently manage my account online with Discover. Do I need to take any action now?

Accepted Answer

We'll send you emails or letters with info on when and how to get started with Capital One. Until then, there's nothing you need to do, but make sure your contact information—including address, phone number and email—is up to date in your Discover account, along with your other settings and account preferences.

Question 61

Will all credit card accounts be moved to Capital One?

Accepted Answer

Credit card accounts may move to Capital One at different times. We'll send you an email or letter with info on when and how to get started with Capital One. You'll also see a message in your Discover online account once it's time to manage your card account with Capital One.

Question 62

What if I'm a customer of both Capital One and Discover?

Accepted Answer

Keep using your Discover and Capital One accounts as usual. We'll let you know when your Discover account has moved to Capital One and what that means for your account. You'll be able to easily link your Discover accounts online with Capital One after they move—this will allow you to manage your accounts all from the same place.

Question 63

Will my checking or savings accounts move to Capital One?

Accepted Answer

Visit our banking pages for more info.

Question 64

Will my loans move to Capital One?

Accepted Answer

Visit our loans page for more info.

FAQ Categories

Account settings and details

Authorized users & joint account holders

Digital wallets

New card and activation

Payments and transactions

Rewards and benefits

Sign in and security

The move to Capital One

Footnotes