Jump to section Facebook Twitter LinkedIn Copy URL Email The cards we feature here are from partners who compensate us when you are approved through our site, and this may impact how or where these products appear. We don’t cover all available credit cards, but our analysis, reviews, and opinions are entirely from our editorial team. Terms apply to the offers listed on this page. Please view our advertising policy and product review methodology for more information. If you're a Discover cardholder, you've likely known about the Capital One merger for over two years. The Discover card migration to Capital One officially begins today, July 27, but don't expect it to be instant.
A Capital One spokesperson confirmed to TPG that all Discover consumer card accounts will "gradually" transition to Capital One's platform in waves, from now through 2027. Once your account is migrated, you will manage your Discover card on Capital One's website and app.
Not all Discover cardholders are moving at the same time—and if you have multiple Discover cards, don't assume they'll all migrate together.
What's happening now, and what should you do to prepare? Here's what you need to know about the ongoing move for Discover cardholders to Capital One.
The migration officially began on July 27, but that doesn't mean every cardholder will see changes right away. A Capital One spokesperson confirmed to TPG that cardholders will receive "comprehensive information and reminders" in advance of changes.
If you haven't received an email or notification yet, don't worry. Your account may simply be scheduled for a later migration wave.
If you have multiple Discover cards, they may not be migrated simultaneously. Keep an eye on your Discover app in the coming months to see when the transition will happen for you.
Related: 5 reasons why your family may want a Discover it Miles card
This move is happening gradually. If you're a Discover cardholder, you could be moved to Capital One at any point from now through 2027.
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Capital One told TPG that the following account details, preferences and settings will transfer automatically:
Once your account is migrated, you'll manage that card through the Capital One website and mobile app instead of Discover.
Giselle Gomez , TPG's credit cards managing editor, received an email stating that her Discover it® Cash Back Credit Card would be moved to Capital One on July 27.
The information for the Discover it Cash Back card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
When she opened her Discover app on the day of the transition, she received a prompt to set up a new Capital One account.
From there, she was redirected to create a new Capital One account.
Giselle also noticed a banner in the Discover app confirming that her account was moving. Interestingly, only one of her three Discover cards has received a migration notice so far, reinforcing Capital One's statement tha…