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Head to head
Capital One Venture Rewards vs Capital One Venture X
Capital One Venture Rewards vs Capital One Venture X: Quick Verdict
On listed credits alone, the Capital One Venture X comes out $100 a year ahead if you use them all. The Capital One Venture Rewards is $300 a year cheaper to keep. Which one is better depends on the credits you would actually use and where you spend, so compare the earning rates below.
Annual Fee Comparison
The Capital One Venture Rewards costs $95 a year and the Capital One Venture X costs $395 a year, a difference of $300 a year.
If you use every listed credit, the Capital One Venture Rewards returns $30 a year ($65 less than its fee) and the Capital One Venture X returns $430 ($35 more than its fee).
Statement Credits and Perks Compared
- Global Entry or TSA PreCheck Application Fee Credit$120 / 4yr
- $300 Annual Travel Credit$300 / yr
- Anniversary Bonus Miles10,000 mi / yr
- Global Entry / TSA PreCheck Application Fee Credit$120 / 4yr
- Premier Collection Hotel & Vacation Rental Experience Credit$100 / yr
Earning Rates Side by Side
| Category | Capital One Venture Rewards | Capital One Venture X |
|---|---|---|
| Entertainment | 5x | 5x |
| Travel general | 5x | 10x |
| Everything else | 2x | 2x |
Which Card Is Better for Travel?
Neither card has an everyday travel bonus in Creddy's catalog, so travel booked outside an issuer portal earns each card's base rate. On catalog rates, the two cards return about the same on travel.
Which Card Is Better for Everyday Spending?
The Capital One Venture Rewards earns 2x miles ≈ 2.9% back (1.45¢/pt) on everything else. The Capital One Venture X earns 2x miles ≈ 2.9% back (1.45¢/pt) on everything else. On catalog rates, the two cards return about the same on purchases outside bonus categories.
Returns use Creddy's point values, as on the best-card rankings. Caps, portal rules and redemption choices change what you actually get.
Guides for comparing card value
How to Track Credit Card Benefits Without a Spreadsheet
Build a reliable system for tracking statement credits, card perks, reset dates, and reminders without maintaining a complicated spreadsheet.
How Credit Card Statement Credits Actually Reset
Understand monthly, calendar-year, cardmember-year, and rolling statement credit resets so valuable card benefits do not go unused.
How to Calculate Credit Card Value vs. the Annual Fee
Compare the value you actually receive from a credit card with its annual fee using realistic credits, rewards, and perks.
Capital One Venture Rewards vs Capital One Venture X FAQs
Capital One Venture Rewards vs Capital One Venture X: which is worth it?
Compare the annual fees with benefits you would actually use and rewards on your normal spending. Neither card is best for everyone.
What is the annual fee difference between Capital One Venture Rewards and Capital One Venture X?
Creddy currently lists $95 / yr for Capital One Venture Rewards and $395 / yr for Capital One Venture X. Confirm both with the issuers.
Which card has better benefits, Capital One Venture Rewards or Capital One Venture X?
The benefit lists above show the current catalog details. Compare eligibility, usage limits and the value you can actually use.
Can I have both Capital One Venture Rewards and Capital One Venture X?
It may be possible if you meet each issuer's account and eligibility rules. Consider whether both annual fees make sense for you.
Which card is easier to get approved for?
Creddy cannot predict approval. Each issuer evaluates applications under its current underwriting rules.