Head-to-head · 🇺🇸 United States
Capital One Venture vs Discover It Miles
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
US
Capital One
Capital One Venture
VISA
Wins 2 of 10
US
Discover
Discover It Miles
Discover
Wins 2 of 10
Verdict
It's a true tie — neither dominates. Pick the one whose boost categories match where you actually spend.
Side-by-side
| Criterion | Capital One Venture | Discover It Miles |
|---|---|---|
| Annual fee | · $95 | No annual fee |
| Joining fee | = None | = None |
| Top reward rate | 5% (travel) | · 1.5% (general) |
| Base reward rate | 2% | · 1.5% |
| Forex markup | = No FX fee | = No FX fee |
| Welcome bonus | = 75,000 miles after $4,000 in first 3 months (~$750 in travel) | = Discover doubles all miles earned in your first year (Mile Match) |
| Fee waiver threshold | = No waiver | = N/A (no fee) |
| Min income | = — | = — |
| Min credit score | · 700 | 670 |
| Editorial rating | = 4.4/5 | = 4.4/5 |
Benefits compared
Capital One Venture
- 2x miles on every purchase
- 5x miles on hotels and rental cars booked via Capital One Travel
- Up to $100 credit for Global Entry/TSA PreCheck
- Transfer miles to 15+ airline/hotel partners
- No foreign transaction fees
- Two complimentary visits/year to Capital One Lounges
Discover It Miles
- 1.5x miles on every purchase
- Discover Mile Match: doubles all miles earned in year 1
- Redeem against any travel purchase
- No annual fee, no foreign transaction fees
- Free FICO score
FAQ
›Capital One Venture vs Discover It Miles: which is better?
It's a true tie — pick the one whose boost categories match your spend. Capital One Venture wins on 2 criteria, Discover It Miles on 2.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use Capital One Venture for its best categories, Discover It Miles for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Capital One Venture: 75,000 miles after $4,000 in first 3 months (~$750 in travel). Discover It Miles: Discover doubles all miles earned in your first year (Mile Match).