Capital One vs Discover Bank

Capital One is a good online bank with access to in-person support. How does it compare to Discover Bank? Read our comparison chart below.

Capital One offers competitive rates on their savings account. Their interest checking has several overdraft options in cases of accidental overdraw. There are no minimum deposits or service fees.

While Discover Bank offers some of the highest interest rates on the market. CDs go up to 10-year terms. There are no service fees.

Compare Capital One with Discover Bank, side-by-side.

	Capital One	Discover Bank
	SPECIAL OFFER Personal Savings Account - $1,500 Bonus - Learn More Read Capital One Review	SPECIAL OFFER Online Savings Account - Earn 3.40% APY - Learn More
	Benefits and Features
Savings	3.40% APY	3.40% APY
CD	3.50% to 3.90% APY. Terms of 6 months to 5 years. 12-month CD APY of 3.90%	2.00% to 3.90% APY depending on terms
Checking	0.10% APY
Mobile App	iOS & Android	iOS & Android
ATMs	over 70,000 no-fee Capital One, MoneyPass, and Allpoint ATMs	Over 60,000 no-fee ATMs
Customer Service	Phone: 800-655-2265 Monday - Sunday: 8AM - 11PM (ET)	24/7
Locations	263 branches	Online Only
	CreditDonkey® Reviews
Savings
Checking
Mobile App
Customer Service
Pros & Cons	Pros: Overdraft protection options No account minimums Over 50 cafes for in-person support Cons: Other banks have higher APY
Bottom Line	Good online bank with access to in-person support... Read full review
	Personal Savings Account - $1,500 Bonus Personal Savings Account - $750 Bonus Personal Checking Account - $300 Bonus	Online Savings Account - Earn 3.40% APY Discover® CD Rates
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. Capital One: Pricing information from published website as of 12/05/2025. Discover Bank: Pricing information and data points from published website as of 12/15/2025.

Still need help deciding which bank reviews & deals is better? Read the in-depth reviews below. You may also be interested in comparing Capital One or Bank of America.

Articles on Capital One

Capital One 360

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Capital One Savings Account Bonus

Looking for a Capital One savings bonus? Read on to see the available promos today and how to qualify for them.

Capital One CD Rates

Interested in Capital One 360 CDs? Here are their rates and how to open one.

Capital One High Yield Savings Review

Want to grow your funds passively? Capital One offers a high-yield savings account with a solid APY and easy accessibility. Read on to find out more.

Capital One Checking Account Bonus

Curious about Capital One promotions? Discover their latest checking bonuses, how to qualify, and more to optimize your rewards.

Capital One Bank Hours

Capital One Bank is open 6 days a week. Take a look at their operating hours.

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What is the routing number for Capital One? Find the right one for your account with our guide.

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