Card Comparison
Capital One Venture Rewards vs Discover it Cash Back
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
Annual Fee
$95/yr
No annual fee
Foreign Fees
None
None
Signup Bonus
75,000 points + $250 credit
Spend $4,000 in 3 months
See issuer
Top Earn Rates
- Hotels (Capital One Travel) 5x
- Vacation Rentals (Capital One Travel) 5x
- Rental Cars (Capital One Travel) 5x
- Rotating Quarterly Categories 5x
- All Other Purchases 1x
Reward Type
miles
cashback
Key Credits
- TSA PreCheck/Global Entry Credit $120
- Lifestyle Collection Experience Credit $50
None
Transfer Partners
- British Airways Executive Club
- JAL Mileage Bank
- Qatar Avios
- I Prefer Hotel Rewards
- Flying Blue
- +16 more
Cash back only
Common Questions: Capital One Venture Rewards vs Discover it Cash Back
Is the Capital One Venture Rewards or Discover it Cash Back better for dining?
Neither card offers a specific dining bonus — both earn their base rate on restaurant purchases.
Which has the higher signup bonus in 2026?
Capital One Venture Rewards currently offers 75,000 pts signup bonus (spend $4,000 in 3 months). Discover it Cash Back offers $200 signup bonus. Capital One Venture Rewards has the larger bonus.
Which card is better for international travel?
Both cards charge no foreign transaction fees, making either a solid choice for international travel.
Can I hold both the Capital One Venture Rewards and the Discover it Cash Back?
In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Capital One Venture Rewards is from Capital One and Discover it Cash Back is from Discover, so they're governed by separate bank policies.