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Capital One Venture X vs Discover it Miles
Side-by-side comparison of fees, rewards, benefits, and more.
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Feature Comparison
| Feature | Capital One Venture XCapital One | Discover it MilesDiscover |
|---|---|---|
| Rating | 4.9/5 | 4.2/5 |
| Annual Fee | $395 | $0 |
| APR | 19.49% - 28.49% | 17.49% - 26.49% |
| Signup Bonus | 75,000 miles after spending $4,000 in 3 months | Unlimited Mile-for-Mile match for all miles earned in first year |
| Rewards Rate | 10X on hotels/cars via Capital One Travel, 5X on flights via Capital One Travel, 2X on everything else | 1.5X miles on every purchase |
| Credit Score | excellent | good |
| Pros | Priority Pass + Capital One Lounges access $300 annual travel credit makes effective fee $95 10,000 bonus miles every anniversary | First-year Miles Match doubles all rewards to effectively 3X $0 annual fee and no foreign transaction fees 0% intro APR for 15 months on purchases and balance transfers |
| Cons | $395 annual fee upfront Travel credit only through Capital One portal Lounge guest access now costs $45/adult as of Feb 2026 | 1.5X base rate is average after first year Discover not accepted as widely internationally No transfer partners or premium travel perks |
| View Details → | View Details → |
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Verdict
Our Pick: Capital One Venture X
With a 4.9/5 rating, the Capital One Venture X edges out the Discover it Miles (4.2/5). At $395/yr, the value proposition is strong. The Venture X punches way above its weight. With $300 in travel credits, lounge access, and 10K anniversary miles, the effective cost is just $95 — rivaling cards that cost twice as much.