Capital One VentureOne Rewards Card
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Discover it® Student Cash Back Card
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9.3MyCreditCardLab Score
MyCreditCardLab Score 9.3We've meticulously evaluated this card using MyCreditCardLab's exclusive credit card rating system. Our assessment considered various cardholder needs, ultimately assigning a rating based on the need with the highest score, currently at "." Our rating scale ranges from 1 to 10, with 10 representing the best possible score. |
9.0MyCreditCardLab Score
MyCreditCardLab Score 9.0We've meticulously evaluated this card using MyCreditCardLab's exclusive credit card rating system. Our assessment considered various cardholder needs, ultimately assigning a rating based on the need with the highest score, currently at "." Our rating scale ranges from 1 to 10, with 10 representing the best possible score. |
| ANNUAL FEE | |
| $0 | $0 |
| INTRO APR | |
| 0% intro APR on Purchases and Balance Transfers for the first 15 months. It applies to qualifying transfers. | 0% APR on purchases for six months from account opening |
| REGULAR APR | |
| 19.99% - 29.99% Variable APR | 10.99% intro balance transfer APR for six months from date of first qualifying balance transfer, 18.24% to 27.24% ongoing variable APR |
| PROS | |
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| CONS | |
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| WELCOME BONUS | |
| 20,000 Miles once you spend $500 on purchases within 3 months from account opening | Discover will match all cash back earned at the end of your first year with the card. |
| REWARDS | |
Capital One VentureOne Rewards Card Rewards stand out as a highly versatile credit currency, offering a myriad of redemption options to suit your preferences. You can utilize your rewards in a variety of ways, including:
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Discover it® Student Cash Back Card Rewards program is renowned for its flexibility in credit currency. Explore various redemption options for your earnings, including:
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| BENEFITS | |
| Good transfer partners - Capital One has many transfer partners. They can take you across the globe with your miles. Intro APR opportunity - Consumers can use it to pay off high-interest debt from another card. The low intro APR offer can save them lots of interest. No annual fee or foreign transaction fees - Using your card worldwide without an extra fee is a big plus for any traveller. Welcome offer - People with great credit also get 0% intro APR for 15 months. This is for purchases and balance transfers. After that, the APR is variable. It is based on creditworthiness. The intro period is as good as cards like Discover It or Discover It Miles. It's also as good as Citi Custom Cash, Chase Freedom Unlimited, and more. Unfortunately, VentureOne for Good Credit applicants can't get bonus miles. They also can't get a 0% intro APR. | Freeze it® - Easily place holds on stolen or missing cards directly through the app for added security and peace of mind. Access to Credit Education - This feature is best for credit scores to improve. Gain access to Discover's Credit Scorecard with your FICO® Credit Score, monthly updates, and tips to help you understand and improve your credit. Cashback Match™ - At the end of your first year with the card, Discover matches all the cash back you've earned, effectively doubling your rewards without any limit. so students benefit from doubling reward points for other spending. Rotating Bonus Categories - Earn 5% cash back on everyday purchases in rotating quarterly bonus categories, such as gas stations, grocery stores, restaurants, and more, up to the quarterly maximum. Good Grade Reward - Get a $20 statement credit each school year if your GPA is 3.0 or higher for up to the next five years. it's not a big reward but a small credit combination helps your spend. |
| CASH ADVANCE FEE / APR | |
| 29.99% variable, plus a fee of either $5 or 5% of the amount of each transaction, whichever is greater | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| BALANCE TRANSFER FEE | |
| 19.99% - 29.99% variable, plus a fee of either 4% of the amount of each transfer | 10.99% intro APR on Balance Transfers for 6 months, and then the ongoing APR of 18.24%-27.24% Variable APR |
| RECOMMENDED CREDIT SCORE | |
| 690 - 850 (Fair - Exceptional) | 630 - 689 (Poor - Fair) |
| FOREIGN TRANSACTION FEE | |
| $0 | None |
| BEST FOR | |
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| More Details | More Details |
Capital One VentureOne Rewards vs. Discover it® Student Cash Back
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