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Discover It vs Capital One Venture

Compare Rewards, Interest Rates, Fees, and Benefits

Discover It is an excellent cash back credit card with no annual fee and low interest rate. How does it compare to Capital One Venture, a travel credit card? Read our comparison chart below.

Keep in mind, the Discover It has a $0 annual fee, while the Capital One Venture has a $0 intro annual fee for first year; $95 after that.

 

Discover it® Cash Back

Capital One® Venture® Rewards Credit Card

 
Introductory Bonus Cash BackCash Back RewardsBonus Cash BackNo Limits on Rewards$0 Fraud Liability
Introductory Bonus Airline RewardsTravel RewardsAirline RewardsNo Expiration on RewardsNo Limits on Rewards
 

Credit Card Interest Rates & Fees

Introductory APR for Purchases0% introductory APR for 14 monthsN/A
Introductory APR for Balance Transfers0% introductory APR for 14 monthsN/A
Purchase APR13.49% to 24.49% Variable based on your creditworthiness and other factors17.49% to 24.74% (Variable) based on your creditworthiness and other factors
Balance Transfers APR13.49% to 24.49% Variable based on your creditworthiness and other factors17.49% to 24.74% (Variable) based on your creditworthiness and other factors
Balance Transfer Fee3% of the amount of each transfer. No balance transfer fee
Foreign Transaction FeeNo foreign transaction feeNo foreign transaction fee
Annual Fee$0 annual fee$0 intro annual fee for first year; $95 after that
 

Credit Card Rewards & Benefits

Introductory Bonus Cash BackDiscover will match all the cash back you've earned at the end of your first year (only for new cardmembers). 
Introductory Bonus Airline Rewards Earn a one-time bonus of 50,000 miles if you spend $3,000 on purchases within three months of account opening (worth $500 in travel).
Cash Back Rewards1% cash back on all other purchases. 
Bonus Cash Back5% cash back on up to $1,500 in purchases in rotating categories that change each quarter (requires free and easy sign-up for 5% Cashback Bonus)*
Limitations apply*. See issuer's website for additional program details.
Bonus Categories for 2019:
October - December 2019: Amazon.com, Target and Walmart.com
Bonus Categories for 2020:
January - March 2020: Grocery Stores, Walgreens & CVS
April - June 2020: Gas Stations, Uber, Lyft & Wholesale Clubs
July - September 2020: Restaurants & PayPal
October - December 2020: Amazon.com, Walmart.com & Target.com
 
Travel Rewards Earn 2x miles per dollar on all purchases. Redeem your miles for travel purchases on any airline, hotel, or car rental.
Airline Rewards Earn 2x miles per dollar on all purchases
Airline Transfer Partners Capital One transfer partners include Aeromexico, Air Canada, Air France/KLM, Alitalia, Avianca, Cathay Pacific, Emirates, Etihad, EVA, Finnair, Hainan, Qantas, Qatar, and Singapore Airlines.
 

CreditDonkey® Credit Card Reviews

Pros & ConsPros:
  • 5% bonus rotating categories
  • Intro APR on purchases and balance transfers
  • No foreign transaction fee
  • No annual fee
Cons:
  • Some merchants don't accept Discover
Pros:
  • 2x points
  • Bonus offer
  • No foreign transaction fee
Cons:
  • $95 annual fee ($0 intro annual fee for first year)
  • No intro APR
Bottom LineExcellent cash back credit card with no annual fee and low interest rate... Read full reviewGood travel credit card for the occasional traveler... Read full review
 Read Discover It ReviewRead Capital One Venture Review
What Others View

    Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the issuer's website for details.

    Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

    Disclaimer: The information for the Discover it® Cash Back and Capital One® Venture® Rewards Credit Card has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

    Discover It: Pricing information including interest rates, rewards, benefits and fees was obtained on November 6, 2019 from published websites and is believed to be accurate, but not guaranteed.

    Capital One Venture: Pricing information including interest rates, rewards, benefits and fees was obtained on October 1, 2019 from published websites and is believed to be accurate, but not guaranteed.


    Articles on Discover it® Cash Back


    Articles on Capital One® Venture® Rewards Credit Card


    Comments

    • Barbara Jones
      on September 10, 2017 10:19 AM said about Capital One Venture:

      Ease of redeeming points for any type of travel.

    Comments may be filtered for language. CreditDonkey makes no guarantee of comments' factual accuracy. These responses are not provided or commissioned by bank advertisers. Responses have not been reviewed, approved or otherwise endorsed by bank advertisers. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered. Visitors may report inappropriate content by clicking the Contact Us link.

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    Compare Discover It to:

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    Chase Freedom Unlimited®

    Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
    0% for 15 months
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    16.49% - 25.24% Variable
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    Chase Sapphire Preferred

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    Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
    N/AN/A
    17.49% - 24.49% Variable
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    Blue Cash Everyday

    Blue Cash Everyday® Card from American Express

    Introductory Bonus Cash BackCash Back RewardsGas RewardsGrocery Rewards
    Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
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    0% on Balance Transfers for 15 months
    14.49% - 25.49% Variable
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    Compare Capital One Venture to:

    Capital One Quicksilver

    Capital One® Quicksilver® Cash Rewards Credit Card

    Introductory Bonus Cash BackCash Back RewardsNo Expiration on RewardsNo Limits on Rewards
    Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
    0% intro on purchases for 15 months
    0% intro on balance transfers for 15 months
    15.74% - 25.74% (Variable)
    Annual Fee
    $0
    Capital One VentureOne

    Capital One® VentureOne® Rewards Credit Card

    Introductory Bonus Airline RewardsTravel RewardsAirline RewardsNo Expiration on Rewards
    Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
    0% intro on purchases for 12 months
    N/A
    13.74% - 23.74% (Variable)
    Annual Fee
    $0
    Gold Delta SkyMiles

    Gold Delta SkyMiles® Credit Card from American Express

    Introductory Bonus Airline RewardsAirline RewardsCar Rental InsuranceExtended Warranty
    Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
    N/AN/A
    17.24% - 26.24% Variable
    Annual Fee
    $0 introductory annual fee for the first year, then $95

    Disclaimer: The information for the Capital One® Quicksilver® Cash Rewards Credit Card and Capital One® VentureOne® Rewards Credit Card has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

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    About CreditDonkey®
    CreditDonkey is a credit card comparison website. We publish data-driven analysis to help you save money & make savvy decisions.

    Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

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    *See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

    CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.