Discover Mobile vs Capital One Mobile
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Discover Mobile
Manage your Discover credit card and bank accounts securely from anywhere. Check balances, view transactions, make payments, redeem rewards, and deposit checks. Access your FICO score and freeze your account for added security.
- Account balance and transaction viewing
- Payment management and scheduling
- Rewards redemption
- FICO Credit Score access
- Account freezing
- Mobile check deposit
- Secure messaging
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You can manage your Discover credit card and bank accounts conveniently and securely from anywhere, using Discover’s Mobile App. Check your account balance, view your account info, make and edit payments, add your card into Apple Pay, manage your rewards, and more - all from your mobile device. FAST ACCOUNT ACCESS • Log in quickly with a 4-digit Passcode • Log in faster with Discover Touch ID, available for users with Discover passcode enabled on an eligible device – not supported on modified or jailbroken devices MANAGE YOUR DISCOVER CREDIT CARD ACCOUNT • Check your balance and available credit, and view or download monthly statements • View and search transaction activity • Make payments and edit or cancel pending payments • Redeem rewards, in any amount, as a statement credit towards your monthly bill, including your minimum payment due • Redeem rewards, in any amount, as an electronic deposit to your bank account • Redeem rewards for gift cards starting at only $5. Plus, get an added bonus on every card • Link your Discover card to your Amazon and PayPal accounts to make it easier to earn and pay with rewards for eligible purchases at checkout • View your FICO® Credit Score* for free and learn what it means to lenders *See FICO® Credit Score terms at Discover.com/FICO • Freeze or unfreeze your account to prevent new purchases, cash advances, and balance transfers • Add your card into Apple Pay to use for purchases in-store on eligible devices with iOS 9 • Send and receive messages from Discover Customer Service • View and edit your account profile • Activate a new card or report a current card as lost, stolen or misplaced • Use the Travel Notification feature to help ensure uninterrupted use of your card while traveling • Sign up to receive alerts about your account MANAGE YOUR DISCOVER BANK DEPOSIT ACCOUNT AND PERSONAL LOAN ACCOUNT • View account balances, summary and transaction history • Track account activity and schedule transactions • Transfer money • Pay bills • Deposit checks • Find ATMs - Nationwide ATMs available to use your Discover debit card • View statements • View and send secure messages • Make Personal Loan payments Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. Mobile Privacy Statement: https://www.discover.com/privacy-statement Mobile Terms of Use: https://www.discover.com/credit-cards/help-center/discover-terms-of-use.html
Capital One Mobile
Manage your finances on the go with easy access to your accounts. View balances, pay bills, track credit, redeem rewards, and send money. Get instant alerts and lock your cards for added security.
- View account balances
- Pay bills and loans
- Monitor credit score
- Redeem rewards
- Send and receive money
- Card activation and locking
- Instant notifications
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What’s on the Capital One Mobile app? All of your accounts, and so much more. Whether you’re out in the world or feeling right at home, you can manage your money with ease: - View balances and export statements - Pay bills and take care of loans - Check in on your credit with CreditWise - Activate a credit or debit card when you need it - Redeem rewards on the go - Send and receive money with friends and family using Zelle® With the Capital One Mobile app, you can ... - Stay informed when you enable alerts and purchase notifications - See everything that happens on your card with detailed transactions - Instantly lock your credit or debit card from anywhere - Get answers from Eno, your Capital One assistant Download the app for better banking with Capital One. Internet access is needed to use the mobile app. Check with your Internet service provider for details of specific fees and charges. Service outages may occur. Capital One customers are responsible for regularly checking their account statements. Push, email, and SMS alerts and notifications, including purchase notifications, must be enabled to be received. CreditWise monitoring and alerts may not be available if the information you enter at enrollment does not match the information in your file at one or more consumer reporting agencies or you do not have a file at one or more consumer reporting agencies. Features may not be available to all customers. Actual experiences may differ from those depicted. Additional terms and limitations apply. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. To read about the Terms of your download, check out the End User License Agreement.
Screenshots
Verdict
The clearest difference is chart position: Capital One Mobile at #1 against Discover Mobile's #115. On price, rating, review sentiment and ratings volume there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
On the App Store both sit at effectively the same score — 4.9 for Discover Mobile against 4.8 for Capital One Mobile. Both are backed by a comparable volume of ratings — 5.2M and 11M respectively. Written reviews are what separate them: 63% of Discover Mobile's written reviews are positive against 60% of Capital One Mobile's.
Discover Mobile ships an update fortnightly, Capital One Mobile every 2 weeks. Both last shipped on November 3, 2026.
| Parameter | Discover Mobile | Capital One Mobile |
|---|---|---|
| Price | Free | Free |
| Rating | 4.9 (5.2M ratings) — better | 4.8 (11M ratings) |
| Positive reviews | 63.4% of reviews — better | 59.9% of reviews |
| Number of ratings | 5.2M | 11M — better |
| Update frequency | Fortnightly | Every 2 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Best chart rank | #115 | #1 — better |
| Devices | iPhone, iPad | iPhone, iPad |
| Requires iOS | 16.1 — better | 17.0 |
| Further details — not scored | ||
| Size | 190 MB | 374 MB |
| Age rating | 4+ | 4+ |
| Developer | Discover Financial Services | Capital One Services, LLC |
Customer experience
Discover Mobile
Capital One Mobile
User reviews
Discover Mobile
From 5.2M App Store ratingsWhat we love
- 👍 Excellent customer service
- 🚀 Smooth and easy-to-use app
- 💳 Great credit card with rewards
- 🔒 Secure and reliable
- 💳 Helpful for building credit
Room to improve
- 🐛 App crashes and bugs
- 🤖 Poor customer service and unresponsive to issues
- 💳 Difficult to get credit limit increases
- 💳 Unfair credit reporting practices
- 💳 Holding funds hostage and difficult to access money
Capital One Mobile
From 11M App Store ratingsWhat we love
- 🚀 Exceptional customer service
- 👍 User-friendly app
- 🚀 Convenient features
- 🚀 Seamless transactions
- 🚀 Instant notifications
Room to improve
- 🐛 Buggy and laggy app
- 🔒 Concerns about account security
- 🔒 Difficulty verifying identity
- 🔒 Lack of transparency in account closures
- 🐛 Inconsistent app performance
Bugs and requests
Discover Mobile
Reported bugs
3 issues- App crashes on launch for some users
- Inconsistent behavior when scheduling payments
- Incorrect credit score reporting and account information
Requested features
4 requests- Allow more than 3 weeks of transaction history in the app
- Improve login process and Face ID/Touch ID functionality
- Provide more transparency and control over account settings
- Enhance international usage and support
Capital One Mobile
Reported bugs
4 issues- Recurring payment issues and account freezes
- Delayed transaction postings and notifications
- Incompatibility with older devices and iOS versions
- Inconsistent behavior when adding external accounts
Requested features
5 requests- Ability to add/remove external accounts in-app
- Improved visibility of pending/upcoming transactions
- Integration of budgeting and money management tools
- Faster processing of transfers and payments
- Dark mode option for the app
In-app purchases
Discover Mobile
No in-app purchases
Capital One Mobile
No in-app purchases
Questions
Is Discover Mobile free?
Is Capital One Mobile free?
Which has better reviews, Discover Mobile or Capital One Mobile?
Do Discover Mobile or Capital One Mobile have ads?
Which is updated more often, Discover Mobile or Capital One Mobile?
Which is more popular, Discover Mobile or Capital One Mobile?
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