Discover it® Miles
vs. Capital One VentureOne Rewards Credit Card

In the matchup of Discover it® Miles vs. Capital One VentureOne Rewards Credit Card, the Discover it® Miles edges ahead with a lower APR range and an unlimited mile-for-mile match as an introductory offer. However, the Capital One VentureOne Rewards Credit Card is compelling for those who prefer a straightforward bonus miles offer after meeting the initial spending requirement. Both cards boast no annual fee and no foreign transaction fees, making them both strong contenders for travelers.

The Discover it® Miles is a cash back card in all but name, delivering consistent 1.5 miles per dollar spent on all purchases. Its first-year miles match and no-interest period for 15 months add value to the card. It’s great for beginner travelers looking for a simple rewards card, but it lacks bonus spending categories and premium travel perks.

• Unlimited Bonus: Only Discover gives you an unlimited match of all the miles you've earned at the end of your first year. For example, if you earn 35,000 miles, you get 70,000 miles. There's no signing up, no minimum spending or maximum rewards, just a miles-for-miles match.
• Automatically earn unlimited 1.5X miles on every dollar of every purchase — with no annual fee.
• Redeem miles to pay any part of your monthly bill, including your minimum payment. Turn miles into cash in any amount, any time. Or redeem them as a statement credit for travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more with no blackout dates. However you redeem, miles keep the same value. And miles never expire.
• 0% intro APR for 15 months on purchases. Then, 17.24%–28.24% standard variable purchase APR will apply.
• Discover could reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It's free; activate it with the mobile app.
• Discover is accepted nationwide by 99% of the places that take credit cards.
• Freeze your account on the mobile app or website in seconds to prevent new purchases, cash advances and balance transfers.
• Get an alert if Discover finds your Social Security number on any of thousands of dark websites. Activate for free.

The Capital One VentureOne Rewards Credit Card offers exceptional value and flexibility for both frequent travelers and everyday spenders. It allows you to earn 5X miles on hotel and rental car bookings made through Capital One Travel and 1.25X miles on all other purchases. The card also provides a generous welcome bonus of 20,000 miles when you spend $500 within the first three months. The enticing welcome bonus and the absence of annual and foreign transaction fees add further value to this card. While there are some considerations, such as a balance transfer fee and potentially higher ongoing APR, this card's overall quality and functionality make it a desirable option for consumers seeking flexibility and rewards.

• Introductory Offers

  • Earn a bonus of 20,000 miles after spending $500 on purchases within the first three months, equivalent to $200 in travel.

• Rewards

  • Earn unlimited 1.25X miles on every purchase, every day.
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel.

• APRs, Fees, and Penalties

  • Enjoy a $0 annual fee and no foreign transaction fees.
  • Benefit from 0% intro APR on purchases and balance transfers for 15 months; 19.74% - 29.74% variable APR after that, with a balance transfer fee.

• Perks & Benefits

  • Miles won't expire for the life of the account, and there's no limit to how many you can earn.
  • Transfer your miles to over 15 travel loyalty programs.
  • Use your miles to reimburse any travel purchase or book trips through Capital One Travel.