Capital One Venture Rewards Credit Card vs Discover it Cash Back
Compare the Capital One Venture Rewards Credit Card ($95/yr) against the Discover it Cash Back ($0/yr) to see which card earns you more rewards based on your spending.
See how the Capital One Venture Rewards Credit Card and Discover it Cash Back stack up across annual fees, reward rates, and key benefits. Use the calculator below to find which card maximizes your rewards based on your actual spending.
| Feature | Capital One Venture Rewards Credit Card | Discover it Cash Back |
|---|---|---|
| Annual Fee | $95 | $0 |
| Sign-Up Bonus | 75,000 miles after $4,000 spend in 3 months | None |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | 2.0% | 1.0% |
| Travel Rewards | 5% | 1.0% |
| Key Benefits | 2x miles on every purchase, 5x on hotels and rentals through Capital One Travel. | 5% on rotating quarterly categories (up to $1,500/quarter), 1% on everything else. Cashback Match doubles all cash back in first year. |
| Issuer | Capital One | Discover |
Quick Summary
The Capital One Venture Rewards Credit Card has a $95 annual fee ($95/year more than Discover it Cash Back).
Capital One Venture Rewards Credit Card has a higher base reward rate (2.0% vs 1.0%).
Which Card is Better for Your Spending?
Enter your typical monthly spending to see which card earns you more rewards.
Your Personalized Results
Want to compare more cards? Try our full calculator to see all 39+ cards ranked by your spending.