Capital One Discover Merger 2025: What Cardholders Need to Know Now

• Access to Capital One’s travel portal
• Point transfer options to travel partners
• More flexible redemption choices

For now, cardholders can continue earning and redeeming Discover rewards as usual, but should stay alert for announcements about program changes. Keep an eye on us for updates.

Fee Structure Updates

Concerned about new fees? Currently, there are no immediate fee increases for Discover cards. The favorable fee structures that made Discover attractive remain in place:

• No annual fees on most cards
• No foreign transaction fees
• No over-limit fees

While this stability is reassuring, cardholders should carefully review all communications from both companies. The merged entity may introduce new fee structures or product changes over time as they harmonize their offerings. More information is available on Discover’s website.

Card Acceptance and Network Changes

One significant potential benefit from this merger is improved card acceptance. Historically, Discover’s network had less merchant coverage than Visa or Mastercard, particularly internationally.

Capital One’s infrastructure and global partnerships could expand where your Discover card is accepted, especially: