Updated September 28, 2026 · SumCue Editorial Team
Discover vs Kogan.com
Discover
Higher score in this comparison
Kogan.com
What sets them apart
| Compare | DiscoverReviewSee alternativesSee alternatives | Kogan.comReviewSee alternativesSee alternatives |
|---|---|---|
| Annual fee | $0 | A$0 |
| APR | 18.49% to 28.49%Lower | 21.99% |
| Rewards type | Cashback | Points |
| Rewards rate | 1% cash back on all other purchases; 5% cash back in rotating categories, plus dollar-for-dollar match in first year | 2 Kogan points per $1 on Kogan.com purchases, 1 point per $1 elsewhere; 1,000 points = $10 |
| Balance transfer intro period | 15 months | 18 monthsHigher |
| Balance transfer fee | 3% | 2%Lower |
| Perks | $0 fraud liability on unauthorized purchases, Unlimited Cashback Match: dollar for dollar match of cash back earned in the first 365 days, Free CreditWise credit monitoring and FICO Score 8 access, Pre approval tool that does not impact your credit score, Card Lock in the mobile app, 99% nationwide acceptance (Nilson Report, Feb 2026), Virtual card available before the physical card arrives, if eligible | Complimentary Kogan First membership, 4 free additional cardholders, 6.99% p.a. for up to 24 months on Kogan.com purchases of $50 or more paid by instalments, Apple Pay and Google Pay compatible, Zero Liability and FRAUDSHIELD fraud protection |
| Currency conversion fee | Not confirmed | 3.4% |
Same on both: Credit needed (Good), Card kind (Credit).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Key differences
- Discover scores higher overall: 9.2 vs 9.1.
- Founded is lower at Discover: 1985 vs 2006.
- Kogan.com is available in 2 more countries.
- APR is lower at Discover: 18.49% to 28.49% vs 21.99%.
- Balance transfer fee is lower at Kogan.com: 2% vs 3%.
- Balance transfer intro period is higher at Kogan.com: 18 months vs 15 months.
- Perks: only Discover offers $0 fraud liability on unauthorized purchases, Unlimited Cashback Match: dollar for dollar match of cash back earned in the first 365 days, Free CreditWise credit monitoring and FICO Score 8 access.
- Perks: only Kogan.com offers Complimentary Kogan First membership, 4 free additional cardholders, 6.99% p.a. for up to 24 months on Kogan.com purchases of $50 or more paid by instalments.
Our verdict on each
Discover
Discover suits people with a good credit history who want plain cash back and an annual fee of $0. The trade off is a balance transfer charge of 3% and an APR of 18.49% to 28.49%, so the savings depend on clearing balances and paying in full each month.
Kogan.com
Kogan.com suits Australian households who want personal insurance and a rewards card handled in one place, and holding the card costs nothing. The catch is the interest rate: the Kogan Money card charges an APR of 21.99%, against a site median of 15.5% across cards.
Score breakdown
| Area | Discover | Kogan.com |
|---|---|---|
| Cost | 9.2Fee free to hold with an annual fee of $0; borrow rates are the weak spot at 18.49% to 28.49%. | Not confirmed |
| Offer | 9.4Cash back on all spend, a match in the opening year, a transfer window of 15 and phone support via phone, chat and help centre. | 9.6Higher |
| Trust | 9.2Higher | 8.8 |
Where each is licensed and available
Available in 1 country for both. Additional countries for Kogan.com: 2.
Where they rank in our lists
| Ranking | Discover | Kogan.com |
|---|---|---|
| Credit and debit cards | 306 of 1594 | 410 of 1594 |
| Balance transfer cards | 10 of 32 | 14 of 32 |
Every fact side by side
| Fact | Discover | Kogan.com |
|---|---|---|
| Pricing model | No annual fee | No annual fee |
| Features | Rewards | Rewards |
| Legal entity | Discover by Capital One, N.A. | Kogan.com Ltd |
| Headquarters | United States | Australia |
| Founded | 1985Lower | 2006 |
| Support channels | Phone, Chat, Help centre | Not confirmed |
Where each stands against the rest
| Fact | Discover | Kogan.com | Median |
|---|---|---|---|
| APR | 18.49% to 28.49%above the median | 21.99%highest quarter | 11.635 |
| Currency conversion fee | Not confirmed | 3.4%highest quarter | 1% |
| Balance transfer intro period | 15 monthsabove the median | 18 monthsabove the median | 12 months |
| Balance transfer fee | 3%at the median | 2%below the median | 3% |
Median across 486 listed providers.
Pros and cons
Discover
Pros
- An annual fee of $0, and Discover ranks 1 of 312 brands on that measure.
- Cash back on all purchases plus a matching amount added in the opening year, on a card that costs $0 to hold.
- A balance transfer offer of 15 at 3%, against a group median of 2.72% on headline rate.
Cons
- The APR of 18.49% to 28.49% runs well above the credit card median of 16%, so carrying a balance month to month is expensive.
- The balance transfer charge of 3% lands on top of an offer of 15, which cuts into what the transfer saves.
- The higher cash back rate sits in rotating categories, so the rate earned on a given purchase can move from month to month.
Kogan.com
Pros
- The annual fee on the card is AUD 0 and the model is no annual fee.
- Cover spans auto, home and landlord, with Kogan.com acting as broker.
- Complimentary Kogan First membership, 4 free additional cardholders and 6.99% p.a. for up to 24 months on Kogan.com purchases of $50 or more paid by instalments adds complimentary Kogan First membership, free additional cardholders and a promotional instalment rate on Kogan.com purchases.
Cons
- The APR of 21.99% sits well above the site median of 15.5% across cards.
- Balance transfers cost 2% each, and the promotional window runs 18.
- Currency conversion on overseas spend is 3.4%, at the high end of the card range.
Who each suits
Discover
Who it suits
- People with a good credit history who spend across many merchants and want cash back rather than points.
- Anyone clearing an old balance and happy to pay 3% to move it inside 15.
- Cardholders who would rather call than email, since the listed routes are phone, chat and help centre.
Who should look elsewhere
- Not for anyone who needs no interest at all on what they owe: Varo Believe Secured Credit Card lists an APR of 0%.
- Not for readers who judge on the annual fee alone: bunq and Wise both sit at €0 and £0, so the deciding facts here are 15 of transfers at 3% and the cash back match.
Kogan.com
Who it suits
- Anyone who wants auto, home and landlord arranged through one place rather than separate providers.
- People already shopping Kogan, since the points are weighted towards Kogan.com purchases.
- Card holders who clear the balance each month, as the annual fee is AUD 0 but the rate is 21.99%.
Who should look elsewhere
- Linxea, if you want life cover arranged on its own rather than through a broker.
- Oney Préstamos ES, if health, life and gadget cover, per health, life and gadget, matter more to you than auto and home.
- Euroasia Insurance, if you need only auto, home, travel and gadget policies, per auto, home and travel.
Current offers
Discover
Current offer
Bonus
Discover it Cash Back $200 welcome bonus: $200 statement credit after spending $500 on purchases within 3 months of account opening
One-time, new cardholders only, available by clicking Apply Now on the page; may not be available if you navigate away or close the page
Source, checked September 26, 2026
Bonus
Unlimited Cashback Match on Discover it Cash Back: Dollar-for-dollar match of all cash back earned in the first 365 days, no limit
For new cardholders; no purchase minimums; offered from account approval through first 365 days; promotional offer may not be available in the future
Source, checked September 26, 2026
First period offer
0% intro APR on Discover it Cash Back: 0% intro APR for 15 months on purchases and balance transfers
Eligible customers only; 18.49% to 28.49% variable APR after that; balance transfer fee applies
Source, checked September 26, 2026
Country by country
| Country | Discover | Kogan.com |
|---|---|---|
| Australia | No | Yes |
| New Zealand | No | Yes |
| United States | Yes | Yes |
Questions about each
Discover
What does Discover cost to hold the card?+
The annual fee is $0, and on that measure Discover sits at 1 of 312 brands on the site, so holding the card costs nothing at the front door. What you do pay is interest on a carried balance, which runs at 18.49% to 28.49%. Card offers are judged on both numbers.
What are the balance transfer terms?+
The transfer offer runs for 15 and the charge is 3% on the balance you move. Read the two together: the window sets how long you have to clear the old balance, and the charge sets what the move costs. It is a one off cost attached to the transfer rather than a running fee.
Kogan.com
Does the Kogan Money card have an annual fee?+
Nothing to pay for the card itself. The annual fee is AUD 0 and no annual fee is the model, so there is no yearly charge for holding it. What you do pay for is interest on a carried balance, plus any fee attached to a balance transfer.
What interest rate do I pay on the Kogan Money card?+
The APR is 21.99%, which sits above the site median of 15.5% across cards. That rate applies to anything carried from statement to statement, so the card only pays off if you clear the balance each month. The balance transfer offer runs for 18 at a fee of 2%.
Other options to compare
Other matchups
Discover
Kogan.com