AI-Powered Universal Comparison Engine

Travel credit cards: Capital One Venture X Rewards Credit Card vs. Capital One Venture Rewards Credit Card

Quick Verdict

The Capital One Venture X Rewards Credit Card is better for frequent travelers who can take advantage of the higher travel credit and lounge access, offsetting the higher annual fee. The Capital One Venture Rewards Credit Card is a solid choice for more casual travelers who want a lower annual fee and still enjoy travel rewards and benefits.

Key features – Side-by-Side

AttributeCapital One Venture X Rewards Credit CardCapital One Venture Rewards Credit Card
Annual Fee$395$95
Sign-up Bonus75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening.75,000 miles once you spend $4,000 on purchases within 3 months from account opening (equal to $750 in travel)
Earning Rate on Travel Purchases10X miles on hotels and rental cars booked through Capital One Travel; 5X miles on flights and vacation rentals booked through Capital One Travel.5 miles per $1 spent on hotels, vacation rentals, and rental cars booked through Capital One Travel
Earning Rate on Everyday Purchases2X miles on all other purchases.2 miles per $1 spent on all other purchases
Travel Credit$300 annual credit for bookings through Capital One Travel.$50 travel credit for hotels each year (according to some sources)
TSA PreCheck/Global Entry CreditUp to $120 credit for Global Entry or TSA PreCheck. This is a statement credit, and you get it once every four years.Up to $120 credit for the application fee for TSA PreCheck or Global Entry, available once every four years
Lounge AccessAccess to 1,300+ lounges worldwide, including Capital One Lounges and Priority Pass lounges.Discounted rate of $45 at Capital One Lounges; Up until December 31, 2024, cardholders received two free visits per year to Capital One Lounges or Plaza Premium Lounges
Foreign Transaction FeesNone.None
Travel Insurance BenefitsIncludes trip cancellation and interruption insurance, trip delay reimbursement, and lost luggage reimbursement.Rental car insurance coverage, Trip cancellation/interruption coverage (up to $1,500 reimbursement if canceled/interrupted due to illness or death of cardholder/family), Travel accident insurance, Baggage delay coverage, Lost or damaged luggage coverage
Transfer PartnersYes, Capital One Miles is a transferable point currency. The program has 16 transfer partners, including 14 airlines and two hotel chains.Yes, Capital One has partnerships with more than 15 airline and hotel programs
Purchase ProtectionYes.Eligible items purchased with the card are covered against damage or theft for 90 days after the purchase date
Rental Car PrivilegesHertz President's Circle status; Primary car rental insurance.Complimentary Hertz Five Star status

Overall Comparison

Capital One Venture X: $395 annual fee, $300 travel credit, premium lounge access. Capital One Venture: $95 annual fee, $50 travel credit, standard travel benefits.

Pros and Cons

Capital One Venture X Rewards Credit Card

Pros:
  • Great welcome bonus
  • Cardholders can earn tons of miles on everyday spending
  • 10,000-mile anniversary bonus
  • Access to Priority Pass and Capital One airport lounges
  • Enroll in President's Circle status, the highest elite tier in the Hertz Gold Plus program
Cons:
  • No major disadvantages reported.

Capital One Venture Rewards Credit Card

Pros:
  • Generous sign-up bonus
  • High earning rate on travel purchases through Capital One Travel
  • Solid earning rate on everyday purchases
  • TSA PreCheck/Global Entry credit
  • No foreign transaction fees
  • Travel insurance benefits
  • Transfer partners
  • Purchase protection
  • Rental car privileges
Cons:
  • Annual fee of $95
  • Lounge access requires a discounted rate of $45 (previously offered two free visits per year until 12/31/2024)
  • The value of transfer partners depends on your travel goals

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