Capital One vs. Synchrony: Which Credit Card Lender is a Better Pick?

Key Takeaways Capital One's Discover acquisition expands its payments network and boosts its card dominance.COF benefits from higher rates as NII and NIM rise through the first nine months of 2025.Synchrony Financial's revenue outlook softens amid higher RSAs, expenses and lower loan receivables.Capital One (COF) and Synchrony Financial (SYF) are major consumer lenders, primarily focusing on credit card and related financing. Both generate a large part of their revenues from interest income, transaction fee ...