Capital One Venture X Rewards Credit Card vs. Discover it® Cash Back
Side-by-side comparison · Updated 2026 · Independently reviewed
Capital One Venture X Rewards Credit Card
Capital One
4.7
2x miles on everything. $300 travel credit. Premium perks.
Full review →
Discover it® Cash Back
Discover
4.5
5% rotating categories. Cashback Match at end of first year.
Full review →WealthSpott Verdict
Discover it® Cash Back wins on more measurable categories — particularly annual cost. Capital One Venture X Rewards Credit Card may still win for your wallet depending on your spending patterns.
Feature
Capital One Venture
Discover it® Cash
Annual Fee
$395/yr
$0 Best
Sign-up Bonus
75,000 miles
Cashback Match
Rewards Rate
2x-10x
1%-5%
Rewards Type
Miles
Cash Back
0% Intro APR
N/A
0% for 15 months
Regular APR
19.99%-29.99% Variable
18.24%-28.24% Variable Best
Foreign Transaction Fee
None Best
Yes
Recommended Credit Score
670-850
670-850
Capital One Venture X Rewards Credit Card
Pros
- $300 annual travel credit offsets fee
- 2x miles on every purchase
- Premium perks: lounge access, TSA PreCheck credit
Cons
- $395 annual fee
- Best for frequent travelers
Discover it® Cash Back
Pros
- Cashback Match doubles first-year earnings
- 5% rotating categories
Cons
- Quarterly category activation required
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