Capital One Venture X Rewards Credit Card vs. Discover it® Secured Credit Card
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® Secured Credit Card
Discover
4.5
Secured card that earns 2% at gas and restaurants (up to $1,000/quarter). Cashback Match year one.
Full review →WealthSpott Verdict
Capital One Venture X Rewards Credit Card wins on more measurable categories — particularly annual cost. Discover it® Secured Credit Card may still win for your wallet depending on how you spend.
Feature
Capital One Venture
Discover it® Secured
Annual Fee
$395/yr
$0 Best
Sign-up Bonus
75,000 miles
Cashback Match
Rewards Rate
2x-10x
1%-2%
Rewards Type
Miles
Cash Back
0% Intro APR
N/A
N/A
Regular APR
19.99%-29.99% Variable Best
28.24% Variable
Foreign Transaction Fee
None Best
Yes
Recommended Credit Score
670-850
300-669
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® Secured Credit Card
Pros
- Earns rewards while building credit
- Cashback Match first year
Cons
- Requires refundable security deposit
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