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.
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