Credit Cards » Compare Credit Cards » Capital One Venture vs. Venture X: How They Compare?
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Capital One Venture vs. Venture X: How They Compare?

The Venture X card outshines the Venture card with superior rewards and premium travel perks. Is It worth the annual fee difference?
Author: Baruch Mann (Silvermann)
Baruch Mann (Silvermann)

Writer, Contributor

Experience

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
Interest Rates Last Update: June 3, 2024
The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.
Author: Baruch Mann (Silvermann)
Baruch Mann (Silvermann)

Writer, Contributor

Experience

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
Interest Rates Last Update: June 3, 2024

The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.

We earn a commission from our partner links on this page. It doesn't affect the integrity of our unbiased, independent editorial staff. Transparency is a core value for us, read our advertiser disclosure and how we make money.

Capital One's Venture card has long been a reliable navigator, offering travel rewards and flexibility. However, the Venture X has emerged as a sleeker, more sophisticated contender, promising premium perks and an elevated experience.

In this guide, we'll unravel the distinct features of both, helping you navigate the twists and turns of rewards, fees, and benefits

General Comparison: Capital One Venture vs. Venture X

The Venture X card, positioned as a luxury travel companion, outshines the Venture card with superior rewards and premium travel perks.

Tailored for avid globetrotters, the Venture X is ideal for those who can make the most of statement credits and robust rewards. On the flip side, the Venture card holds its ground as a reliable mid-level travel option.

While it may offer fewer rewards, its allure lies in a more budget-friendly annual fee, making it a sensible choice for those seeking a balance between benefits and affordability in their travel card experience.

Venture X Rewards

capital-one-venture

Capital One Venture X
Capital One Venture
Annual Fee
$395
$95
Rewards
10 miles per dollar on hotels and rental cars when booking via Capital One Travel, 5 miles per dollar on flights and 2 miles per dollar on all eligible purchases
2X miles per dollar on every purchase, plus 5X miles on hotels and rental cars booked through Capital One Travel
Welcome bonus
75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening
75,000 miles once they spend $4,000 on purchases within 3 months from account opening
0% Intro APR
N/A
N/A
Foreign Transaction Fee
$0
$0
Purchase APR
19.99% – 29.99% (Variable)
19.99% – 29.99% (Variable)
Read Review
Read Review
Top Offers

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

hilton honors card

Rewards Plan:
3X – 7X 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with hotels and resorts within the Hilton portfolio, 5x points at U.S. restaurants (including takeout and delivery) U.S.supermarkets, U.S. gas stations and 3x points for each dollar on other eligible purchases
Welcome Bonus:
70,000 points 70,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership

Marriot bonvoy bevy card art

Rewards Plan:
2x – 6x 6X points on purchases at hotels participating in Marriott Bonvoy, 4X points at restaurants worldwide (including takeout and delivery in the U.S.) and U.S. supermarkets (up to $15,000 in combined purchases per year, then 2X points), 2X points on all other purchases
Welcome Bonus:
85,000 points 85,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

hilton honors card

Rewards Plan:
3X – 7X 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with hotels and resorts within the Hilton portfolio, 5x points at U.S. restaurants (including takeout and delivery) U.S.supermarkets, U.S. gas stations and 3x points for each dollar on other eligible purchases
Welcome Bonus:
70,000 points 70,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership

Marriot bonvoy bevy card art

Rewards Plan:
2x – 6x 6X points on purchases at hotels participating in Marriott Bonvoy, 4X points at restaurants worldwide (including takeout and delivery in the U.S.) and U.S. supermarkets (up to $15,000 in combined purchases per year, then 2X points), 2X points on all other purchases
Welcome Bonus:
85,000 points 85,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
85,000 miles 85,000 bonus miles after you spend $4,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

Credit Card Points Battle: Venture vs. Venture X

Despite the difference in annual fees, the cards have no significance when it comes to point rewards earnings. As long as you spend more on everyday purchases, the difference becomes smaller.

The significant advantage of the Venture X card is the high ratio on flights and hotels, while the Venture card offers the same rewards ratio on other categories.

Venture X Rewards

capital-one-venture

Spend Per Category
Capital One Venture X
Capital One Venture
$15,000 – U.S Supermarkets
30,000 miles
30,000 miles
$5,000 – Restaurants
10,000 miles
10,000 miles
$5,000 – Airline
25,000 miles
10,000 miles
$5,000 – Hotels
50,000 miles
25,000 miles
$4,000 – Gas
8,000 miles
8,000 miles
Estimated Annual Value
123,000 miles (About $1,230)
83,000 miles ( $830)
transfer Capital One miles to airline partners - list
Customers can transfer Capital One miles to airline partners (Screenshot from capitalone.com)

Which Benefits Of You'll Get On Both Cards?

There are some additional types of perks that you will see with both of these cards:

  • Capital One Dining and Entertainment: Enjoy exclusive reservations at award-winning restaurants and access to culinary experiences, as well as exclusive pre-sales, tickets, and more for music, sports, and dining events.
  • Capital One Lounges: Cardholders can escape airport crowds by accessing all-inclusive Lounges with unlimited complimentary access for themselves and two guests per visit.
  • Hertz Gold Plus Rewards President's Circle® status: Venture X cardholders are eligible for complimentary Hertz President’s Circle status, allowing them to skip the rental counter, choose from a wide selection of cars, and receive guaranteed upgrades.
  • Global Entry or TSA PreCheck® Credit: Receive up to a $100 credit for Global Entry or TSA PreCheck®.
  • Partner Lounge Network: Enjoy unlimited access for yourself and two guests to over 1,300 lounges worldwide from Priority Pass™ and Plaza Premium Group.
  • Miles Redemption: Use your Capital One miles to cover various travel expenses, such as flights, hotels, rental cars, and transfer miles to a choice of 15+ travel loyalty programs.
  • Auto Rental Collision Damage Waiver: Enjoy primary coverage against theft and collision damage for most rental cars globally, provided you opt out of the rental company's insurance. Reimbursement extends up to the actual cash value of the vehicle.
  • Purchase Protection: Safeguard your new purchases from damage or theft with comprehensive coverage.
  • Extended Warranty Protection: Extend the existing U.S. manufacturer's warranty by an additional year for eligible warranties lasting three years or less.
  • Cell Phone Protection: Simply pay your cell phone bill using your Venture card and receive reimbursement of up to $800 in case of theft or damage (subject to specific terms and conditions).
  • Travel Accident Insurance: Automatically receive insurance coverage for eligible losses when you use your credit card to purchase your travel fare.
  • 24-Hour Travel Assistance Services: In the event of a lost or stolen credit card, access emergency services such as an immediate replacement card and cash advance.
Redeeming Capital One miles for travel
Redeeming Capital One miles for travel with both cards (Screenshot taken by our team from Capital One app)

Which Benefits Of You'll Get Only With The Venture X?

The Venture X offers some unique, premium benefits for cardholders that you won't be able to get with the Venture card:

  • Annual Travel Credit: Get a $300 annual credit for bookings through Capital One Travel, offering competitive prices on a wide range of travel options.
  • Premier Collection: With the Capital One Venture X card, you can enjoy a $100 experience credit, daily breakfast for two, and premium benefits, along with earning 10X miles on hotel stays booked through Capital One Travel.
  • Complimentary PRIOR Subscription: Cardholders receive a complimentary PRIOR Subscription worth $149, offering access to extraordinary travel experiences and destination guides.
  • Free Additional Cardholders: Add cardholders to your account for free, allowing them to enjoy benefits while you earn rewards on their spending.
  • 10,000 Miles Anniversary Bonus: Cardholders receive 10,000 bonus miles (equal to $100 towards travel) every year, starting on their first anniversary.
  • Visa Infinite concierge: A Visa Infinite concierge will help make the reservation and more, like line up live stage shows, music or sporting event tickets.
  • Referrals Bonus: Refer friends and family to apply for a Venture X card and earn up to 100,000 bonus miles when they're approved.
  • Lifestyle Collection: Unlock premium benefits with every hotel stay, including a $50 experience credit, room upgrades when available, and earning 10X miles on hotel stays booked through Capital One Travel.

When You Might Want the Capital One Venture X?

If you're a frequent traveler with a taste for luxury, a desire for exclusive experiences, and an appreciation for ongoing rewards, the Venture X card stands out as the superior choice over the Venture card. Opt for the Venture X card over the Venture card if:

  • Luxury Travel is Your Style: If you frequently indulge in premium travel experiences, the Venture X card's annual travel credit, Premier Collection perks, and other travel benefits make it the ideal companion.
  • You're A Frequent Traveler: For avid travelers who frequently invest in flights and hotels, the Venture X card becomes the preferred choice, as its substantial mileage rewards easily offset the variance in annual fees.
  • You Want An Authorized User: The inclusion of free additional cardholders makes the Venture X card a standout choice if you want to extend the premium benefits to your loved ones at no extra cost.
Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
85,000 miles 85,000 bonus miles after you spend $4,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
Up to 3x miles 3 miles per $1 spent on United purchases immediately after earning your $125 annual United purchase credit, 2 miles on all other travel and select streaming services, 1 mile on all other purchases
Welcome Bonus:
60,000 miles 60,000 bonus miles + 500 Premier qualifying points (PQP) after you spend $4,000 on purchases in the first 3 months your account is open.
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
85,000 miles 85,000 bonus miles after you spend $4,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

When You Might Want the Capital One Venture?

Here are some situations where the Capital One Venture card may be a more suitable choice:

  • You Spend A Moderate Amount On Travel Each Year: If you find yourself spending a moderate amount on travel annually, the Capital One Venture card aligns perfectly with your lifestyle. Its competitive rewards system ensures that you earn valuable miles without the commitment of higher spending thresholds, making it an accessible and rewarding option for the average traveler.

  • Do Not Want To Pay A High Annual Fee: The Capital One Venture card caters to users who prioritize cost-effectiveness. With a reasonable annual fee, it provides a solid set of travel benefits without breaking the bank, making it an attractive option for those who want to maximize rewards without incurring high ongoing costs.

Compare The Alternatives

If you're looking for a travel rewards credit card– there are some excellent alternatives you may want to consider:

amex brilliant

Delta SkyMiles® Reserve American Express Card

Marriott Bonvoy Brilliant® American Express® Card
Chase Sapphire Reserve®
Delta SkyMiles® Reserve American Express
Annual Fee
$550
Rewards
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
1X – 10X

5X total points on air travel and 10X total points on hotels, car rentals and dining when you purchase through Chase Ultimate Rewards®, immediately after earning your $300 annual travel credit. Also, earn 3x points on dining at restaurants and travel (after meeting the $300 travel credit), then 1x points per dollar spent on all other purchases.

1X – 3X 3X miles per dollar on eligible Delta flights and Delta Vacations® with 1X miles on all other purchases
Welcome bonus
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership
60,000 points 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
95,000 miles Earn 95,000 bonus miles after you spend $6,000 in purchases on your new card in your first six months
Foreign Transaction Fee
$0
$0
$0
Purchase APR
20.99% – 29.99% Variable
22.49%–29.49% variable
20.99%-29.99% Variable

Compare Capital One Venture Card

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Capital One Venture vs Chase Sapphire Preferred: Which Card Is Best?

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Capital One Venture vs. Amex Gold Card: How They Compare?

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Capital One Venture vs. Capital One Savor: Comparison

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BofA Travel Rewards vs. Capital One Venture Card: How They Compare?

The Capital One Venture is a clear winner as it offers a better miles rewards ratio and extra travel benefits. But it charges an annual fee.

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Alaska Visa Signature vs Capital One Venture: Side By Side Comparison

Compare Capital One Venture X Card

The Amex Platinum wins when it comes to redemption options and protections, but the Venture X is cheaper and offers great travel benefits.

Amex Platinum Card vs. Capital One Venture X: Which Card Is Best?

While Chase Sapphire Reserve offers better protections and redemption options, Venture X is cheaper and offers premium travel benefits.

Chase Sapphire Reserve vs. Capital One Venture X: Which Card Is Best?

The Venture X card offers better travel perks than the Sapphire Preferred, such as annual credit and lounge access. But is it worth the fee?

Capital One Venture X vs. Chase Sapphire Preferred: Which Card Is Best?

The Venture X offers better travel rewards than the Amex Gold but is less appealing if you're looking for everyday spending rewards.

Amex Gold Card vs. Capital One Venture X : How They Compare?

While having the similar annual fees, the Capital One Venture X offers more cashback for the same spend and better travel perks

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Picture of Baruch Mann (Silvermann)

Baruch Mann (Silvermann)

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
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Best Cards Per Category
Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
85,000 miles 85,000 bonus miles after you spend $4,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
Up to 3x miles 3 miles per $1 spent on United purchases immediately after earning your $125 annual United purchase credit, 2 miles on all other travel and select streaming services, 1 mile on all other purchases
Welcome Bonus:
60,000 miles 60,000 bonus miles + 500 Premier qualifying points (PQP) after you spend $4,000 on purchases in the first 3 months your account is open.
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

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Editorial Note: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

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In order to determine the best possible credit cards, we look at things like fees, interest rates and rewards. We do this with companies that are associated with us as partners as well as other offerings. From there, we make a decision about what the best card is related to different categories and needs. We focus on interest rate cost & fees, especially the cost of carrying a balance, rewards – cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely usability – cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting. We also consider customer reviews.

We look at cards related to good or excellent credit ratings that will then provide a range of different benefits and improvements for someone who has these scores. We also look at low fees when it comes to those who have lower credit scores.