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Capital One Venture X vs. Capital One Venture

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The Capital One Venture Rewards Credit Card is a long-time favorite for consumers who value easy-to-manage travel rewards. At its heart, the Capital One Venture provides the best of two worlds: simplicity and value. The card offers simple earning and redemption options along with flexible transfer opportunities.

But now, the Capital One Venture card faces stiff competition from a new card in Capital One’s stable, the Capital One Venture X Rewards Credit Card. With strong rewards rates and an introductory bonus worth a hefty 100,000 bonus miles (after spending $10,000 on purchases within the first six months), the Venture X stacks up well against the competition in the premier travel card marketplace.

Which one of these two travel credit cards should you apply for? Here are the main details you should consider to determine which option is best for you.

Main details

Cards Capital One Venture X Rewards Credit Card Capital One Venture Rewards Credit Card
Welcome bonus Earn 100,000 bonus miles once you spend $10,000 on purchases in the first 6 months from account opening (a $1,000 travel value)

Also, earn up to $200 in statement credits for vacation rentals within the first year

Earn 60,000 miles once you spend $3,000 on purchases within 3 months from account opening (a $600 travel value)
Rewards rate 10X miles on hotels and rental cars booked through Capital One Travel, 5X miles on flights booked through Capital One Travel and 2X miles on all other purchases Unlimited 2X miles on every purchase, plus 5X miles on hotels and rental cars booked through Capital One Travel
Intro APR N/A N/A
Annual fee $395 $95

Capital One Venture X vs. Capital One Venture highlights

While both the Capital One Venture and Venture X cards offer valuable travel perks and unlimited double miles on everyday purchases, they are not equal in value. The best card for you will depend on your spending habits and financial goals. To help you decide, we’ve reviewed each card’s benefits, bonuses, fees and more so you can quickly compare.

Welcome bonus winner: Capital One Venture X

The Capital One Venture X wins this category based on pure standalone value. It offers 100,000 miles once you spend $10,000 in your first six months, which equals $1,000 in travel purchases. Plus, you can get up to $200 in statement credits for vacation rentals within the first year.

For its part, the Capital One Venture issues 60,000 miles when you spend $3,000 within three months of account opening—a value of $600 in travel. The extra $400 you’ll earn with Venture X (not including the statement credits) pushes it over the finish line first in this category.

Rewards rate winner: Capital One Venture X

The Capital One Venture card earns unlimited double miles on all purchases as well as 5X miles on hotels and auto rentals made through Capital One Travel. There are no bonus categories to activate; just swipe your card and earn rewards.

Capital One Venture X also offers 2X miles on everyday purchases, but earnings improve to 10X miles when you book hotels and rental cars through Capital One Travel. To boot, you’ll earn 5X miles on flights booked through Capital One Travel.

Annual fee winner: Capital One Venture

The Venture card has a $95 annual fee while its big sister carries a $395 annual fee—making the Capital One Venture the obvious winner. Note, though, the Venture X gives cardholders a $300 statement credit toward Capital One Travel purchases, which could offset the yearly fee significantly.

Foreign transaction fee winner: Tie

Neither the Venture card nor the Venture X imposes foreign transaction fees when using your card for purchases outside the United States. In fact, all Capital One credit cards are free of foreign transaction fees.

Which card earns the most?

Choosing between these two travel rewards credit cards may come down to your spending habits. Both cards offer 2 miles for every dollar you spend, but Venture X ups the ante when it comes to travel earnings.

The Venture card’s annual fee is only $95, which most consumers can recover with relative ease. As such, the annual fee shouldn’t cut into your earnings. Meanwhile, the Venture X’s $395 yearly fee is harder to recoup with rewards unless you utilize the up to $300 in statement credits to book travel arrangements as well as the account anniversary bonus of 10,000 (a $100 value).

If you want a travel card with no annual fee, the Capital One VentureOne Rewards Credit Card fits the bill, albeit with a lower rewards rate.

Capital One Venture X vs. Capital One Venture spending example

As an example, let’s say you charge $1,000 a month in everyday spending, including groceries, gas, dining and your cell phone bill. Since both cards award double miles for these purchases, your rewards value would be the same whether you use the Venture or Venture X. With both cards, you would earn 2,000 miles worth $20 in travel rewards each month.

But what if you use your card to book a vacation for two, and you spend $800 on round-trip airfare, $1,000 for a six-night hotel stay and $400 for a car rental. These travel arrangements carry a total spend of $2,200.

The Capital One Venture card will award you 5X miles on your hotel and car rental expenditures and 2X miles for your flight purchases. That means you’ll earn 7,000 miles for your hotel and car rental charges and 1,600 miles for the flight charges. In total, you’ll earn 8,600 miles, an $86 travel value.

By contrast, the Venture X has stellar reward rates when you book your travel through Capital One Travel. You’ll earn 5X miles on your $800 airline tickets (4,000 miles) and 10X miles on both your $1,000 hotel stay (10,000 miles) and $400 car rental (4,000 miles). Under this scenario, you’ll earn a total of 18,000 miles, which equals $180 in travel value.

Why should you get Capital One Venture X?

Additional benefits

The Capital One Venture X offers a wide range of valuable travel benefits, starting with up to $300 back each year in statement credits to make travel arrangements through Capital One Travel.

For a limited time, the card is also offering $200 back in statement credits when you use your card to pay for vacation rentals within your first year. It also gives you 10,000 bonus miles (worth $100 toward travel purchases) every year on your account anniversary.

The Venture X card aims to improve your experience at the airport by giving you unlimited access to the Capital One Lounge, plus two complimentary guest passes per year. The card also comes with Priority Pass Select membership, which gets you access to more than 1,300 airport lounges around the world. Finally, you’ll receive up to $100 in credits to cover your Global Entry or TSA PreCheck application fee every four years. These privileges can speed up the security check process significantly.

Capital One rounds out the Venture X with cell phone protection and Visa Infinite benefits, including trip cancellation and interruption insurance, travel accident insurance, auto rental collision damage waiver coverage and more. You can learn more about the Venture X card’s offerings in Bankrate’s best credit cards for travel insurance guide.

Redemption options

You can redeem your Capital One miles in several ways, including:

  • Booking new travel reservations through Capital One Travel
  • Transferring your miles to any of Capital One’s 17 airline and hotel transfer partners
  • Receiving a statement credit for travel purchases within the past 90 days
  • Redeeming miles for gift cards, cash back or for Amazon or PayPal purchases

Recommended credit score

Like many premier travel credit cards, Capital One recommends having a credit score in the “excellent” range when applying for the Venture X. Credit card issuers tend to view the excellent credit score range as being between 800 and 850.

Why should you get Capital One Venture?

Additional benefits

As a Capital One Venture cardholder, you’ll receive up to $100 in credits toward Global Entry or TSA PreCheck. You’ll also get two free visits to the Capital One Lounge each year to relax away from airport crowds.

In all, the Venture card provides a host of typical travel card benefits, including 24-hour travel assistance, travel accident insurance, secondary car rental insurance, no foreign transaction fees and extended warranty protection.

Redemption options

The redemption options for the Capital One Venture Card vs. Venture X are very similar.

You can book travel through Capital One Travel, receive a statement credit for travel purchases you’ve made within the last 90 days or transfer miles to an airline or hotel transfer partner.

Other redemption options include gift cards, merchandise and eligible PayPal and Amazon purchases.

Recommended credit score

According to Capital One, you’ll likely need good to excellent credit to qualify for the Capital One Venture. That means your FICO credit score should be at least 670. Keep in mind, applicants with higher credit scores typically have better odds of approval, although approval is never guaranteed.

The bottom line

When you compare the Venture vs. Venture X, you’ll see both travel rewards cards feature unlimited double miles for each dollar you spend. Both offer rewards for hotel and car rental purchases through Capital One Travel, but the Venture X provides a whopping 10X miles compared to the Venture’s 5X. Plus, the Venture X offers 5X miles on flights booked through Capital One Travel.

When you factor in the 100,000-mile introductory offer (after spending $10,000 in the first six months), up to $300 statement credit for travel purchases, up to $200 vacation rental credit for use in your first year and the 10,000 bonus miles on your account anniversary, the Venture X card packs a bigger value punch.

However, if you’re averse to paying a higher annual fee, the Venture card may be a better choice for you.