Capital One Venture Rewards Credit Card vs. Discover it Miles
On the criteria below, Capital One Venture Rewards Credit Card wins 3 of 4. The verdict depends on which criteria matter to you.
Capital One Venture Rewards Credit Card
Capital One
Discover it Miles
Discover
Capital One Venture Rewards Credit Card wins 3 of 4 criteria here, making it the stronger all-rounder.
Capital One Venture Rewards Credit Card wins on first-year math, earning ceiling, and travel insurance; Discover it Miles wins on annual fee.
Pick the Capital One Venture Rewards Credit Card if year-one math is your priority; take the Discover it Miles if you want a cheaper card to keep long-term.
Who wins what
3 vs 1- First-year math Capital One Venture Rewards Credit Card
Capital One Venture Rewards Credit Card wins on bonus value minus annual fee.
- Annual fee Discover it Miles
Discover it Miles is $95 cheaper to keep.
- Earning ceiling Capital One Venture Rewards Credit Card
Capital One Venture Rewards Credit Card earns more on its best category (5× vs 1.5×).
- Travel insurance Capital One Venture Rewards Credit Card
Capital One Venture Rewards Credit Card carries built-in travel insurance.
By the numbers
- Annual fee
- $95
- Free
- Welcome offer (typical value)
- $1,125
- —
- First-year net
- +$1,030
- +$0
- Peak earning rate
- 5×
- 1.5×
- Top categories
- Travel Portal, Capital One Entertainment
- Everyday
- Lounge access
- No
- No
- Travel insurance
- Yes
- No
- Elite status
- Yes
- No
- Foreign transaction fee
- None
- None
- Reward currency
- Capital One Miles
- Discover Miles
Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.