Two products, two philosophies
Cursor is a proprietary editor that grew out of a Visual Studio Code fork and was rebuilt around AI, according to Marvijo AI Software and Tinkr's reviews. Cline is the opposite: an open-source AI coding extension that runs inside VS Code. No fork, no separate app. You install it, plug in an API key, and it works with the editor you already know.
That distinction shapes everything downstream. Cursor wants to be the whole IDE. Cline is happy being a powerful add-on. One is a product with a company behind it; the other is a tool you own.