Capital One Venture X vs Discover It Miles
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Capital One Venture X wins 3-2. Premium travel, $395 fee easily offset by $300 travel credit + 10K anniversary miles. Discover It Miles is still the right call if no-fee flat travel earn, first-year doubled effectively makes it 3x..
Side-by-side
| Criterion | Capital One Venture X | Discover It Miles |
|---|---|---|
| Annual fee | · $395 | No annual fee |
| Joining fee | = None | = None |
| Top reward rate | 10% (travel) | · 1.5% (general) |
| Base reward rate | 2% | · 1.5% |
| Forex markup | = No FX fee | = No FX fee |
| Welcome bonus | = 75,000 miles after $4,000 spend in first 3 months | = Discover doubles all miles earned in your first year (Mile Match) |
| Fee waiver threshold | = No waiver | = N/A (no fee) |
| Min income | = None stated | = None stated |
| Min credit score | · 720 | 670 |
| Editorial rating | 4.7/5 | · 4.4/5 |
Benefits compared
Capital One Venture X
- 10x miles on hotels + rental cars via Capital One Travel
- 2x miles on every purchase
- $300 annual Capital One Travel credit
- 10,000 miles anniversary bonus (worth $100)
- Unlimited Priority Pass + Capital One Lounges access
- Up to $100 Global Entry/TSA PreCheck credit
Discover It Miles
- 1.5x miles on every purchase
- Discover Mile Match: doubles all miles earned in year 1
- Redeem against any travel purchase
- No annual fee, no foreign transaction fees
- Free FICO score
FAQ
›Capital One Venture X vs Discover It Miles: which is better?
Capital One Venture X wins on more dimensions (3 vs 2). But the right answer depends on your specific spending pattern. Run your own monthly spend through the maximizer to see which one pays you more.
›Can I get both?
Yes, if your credit profile supports it, holding both is the optimal play. Use Capital One Venture X for its best categories, Discover It Miles for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Capital One Venture X: 75,000 miles after $4,000 spend in first 3 months. Discover It Miles: Discover doubles all miles earned in your first year (Mile Match).