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.
Attribute | Capital One Venture X Rewards Credit Card | Capital One Venture Rewards Credit Card |
---|---|---|
Annual Fee | $395 | $95 |
Sign-up Bonus | 75,000 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 Purchases | 10X 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 Purchases | 2X 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 Credit | Up 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 Access | Access 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 Fees | None. | None |
Travel Insurance Benefits | Includes 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 Partners | Yes, 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 Protection | Yes. | Eligible items purchased with the card are covered against damage or theft for 90 days after the purchase date |
Rental Car Privileges | Hertz President's Circle status; Primary car rental insurance. | Complimentary Hertz Five Star status |