Among Capital One’s three major travel credit cards, the Capital One Venture X Rewards Credit Card* and the Capital One Venture Rewards Credit Card* are the two higher-end options, charging a $395 and $95 annual fee, respectively.
The Venture X is considerably less expensive than other premium travel cards such as the Chase Sapphire Reserve® and The Platinum Card® from American Express. The Venture’s annual fee is in line with other cards in its class, such as the Citi Strata Premier℠ Card.
Which Capital One travel card is best for you will depend on your travel and spending habits. The Venture X is better-suited to frequent travelers who are willing to book trips through Capital One Travel, the company’s online booking platform. Less frequent travelers looking for a card that can also serve to earn rewards on everyday expenses, will be better off paying the Venture card’s lower annual fee.
Fees
Winner: Venture
With a $95 annual fee, the basic Venture card offers a much lower barrier to entry, making it a better choice for less frequent travelers who can’t justify the Venture X’s $395 fee in order to take advantage of its superior reward potential.
Both cards offer no foreign transaction fees — standard for travel credit cards — as well as no balance transfer fees ($0 at the transfer APR; 4% of the amount of each transferred balance that posts to your account at a promotional APR that Capital One may offer to you). That noted, neither card offers an introductory APR period, so we recommend choosing a different credit card for balance transfers.
If you overall prefer an even more stripped-down version of the Venture cards with no annual fee, check out the Capital One VentureOne Rewards Credit Card*.
Welcome bonus
Winner: Venture
Surprisingly, the Venture offers the better welcome bonus: Enjoy $250 to use on Capital One Travel in your first cardholder year, plus earn 75,000 bonus miles after spending $4,000 on purchases within the first three months of account opening. That’s equal to $1,000 in travel. The Venture X Rewards lets you earn 75,000 bonus miles when you spend $4,000 on purchases in the first three months from account opening, equal to $750 in travel. Both cards are competitive with some of the cards that populate our current list of the best credit card welcome bonuses.
Along with the more rewarding welcome bonus, the Venture’s considerably lower annual fee makes it the better value.
Rewards
Winner: Venture X
There’s no real contest here: The Venture X offers a much more valuable rewards program. Here’s how the two cards’ rewards stack up by purchase type:
Whether the Venture X’s edge justifies the annual fee will be determined by your budget and travel habits.
Comparing rewards
| Venture X | Venture |
| 10x miles on car rentals and hotels booked through Capital One Travel | 5x miles on car rentals, vacation rentals and hotels booked through Capital One Travel |
| 5x miles on flights and vacation rentals booked through Capital One Travel | N/A |
| 2x miles on all other purchases | 2x miles on all other purchases |
Travel perks
Winner: Venture X
Both cards feature special offers on Hertz car rentals, and both allow you to skip the rental counter line, but the Venture X gives cardholders President’s Circle Status, which confers complimentary upgrades and a wider range of cars to choose from.
Note that the Venture X’s $300 annual travel credit gets credited to your account after you spend $300 through Capital One Travel; other travel purchases don’t qualify.
Comparing travel perks
| Venture X | Venture |
| Hertz President’s Circle® Status | Hertz Five Star® status |
| Global Entry or TSA Precheck Credit | Global Entry or TSA Precheck credit |
| $300 annual travel credit | |
| 10,000 mile anniversary bonus (worth $100 toward travel) |
Airport lounge access
Winner: Venture X
As Capital One has been slowly expanding airport lounge offerings for cardholders, the Venture X provides unlimited complimentary access to Capital One Lounges plus two complimentary guests per visit. The catch? There’s only three airport lounges currently open — at Dallas-Fort-Worth (DFW), Denver (DEN) and Washington D.C.’s Dulles (IAD).
As a consolation, Capital One provides cardholders with access to partner lounges. The Venture X gives you access to over 1,300 lounges worldwide, including Priority Pass and Plaza Premium lounges.
The Venture Card offers substantially less: Two complimentary passes to a Capital One Lounge (which ordinarily cost $65 per visit) or any of more than 100 lounges in the Plaza Premium collection. You must use the passes by December 31, 2024 — effective January 1, 2025, Venture Rewards cardholders will no longer receive complimentary lounge access.
How Capital One Venture X Rewards Credit Card and Capital One Venture Rewards Credit Card compare to other cards
There are more options to choose from than just the Venture credit cards. Consider the Chase Sapphire Preferred® Card if you don’t want to pay the Venture X’s high annual fee, or if you’re looking for a more flexible and valuable rewards program than the Venture.
The Chase Sapphire Preferred matches the annual fee of the Venture Rewards card, and comes equipped with a 25% point-redemption bonus when redeeming for travel through Chase Travel℠. It also features a 1:1 point-transfer rate to Chase’s travel partners.
CNET’S PICK
-
Intro Offer -
75,000 miles
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
- Annual fee
- $395
- APR
- 19.99% – 29.99% (Variable)
- Intro Purchase APR
- N/A
- Recommended Credit
A credit score is used to indicate an applicant’s credit worthiness and may provide guidance about account eligibility. It does not necessarily guarantee approval for any financial product.
- Excellent
- Rewards rate
-
2x
– 10x
10 Miles per dollar on hotels and rental cars booked through Capital One Travel; 5 Miles per dollar on flights and vacation rentals booked through Capital One Travel; 2 Miles per dollar on every purchase, every day
-
Intro Offer -
Earn 75,000 + $250 in Travel Credit
Earn 75,000 miles once you spend $4,000 on purchases within the first 3 months of account opening, plus receive a one-time $250 Capital One Travel credit in your first cardholder year – that’s equal to $1,000 in travel
- Annual fee
- $95
- APR
- 19.99% – 29.99% (Variable)
- Intro Purchase APR
- N/A
- Recommended Credit
A credit score is used to indicate an applicant’s credit worthiness and may provide guidance about account eligibility. It does not necessarily guarantee approval for any financial product.
- Good – Excellent
- Rewards rate
-
2x
– 5x
5 Miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel; 2 Miles per dollar on every purchase, every day
-
Intro Offer -
60,000 bonus points
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Travel℠.
- Annual fee
- $95
- APR
- 21.49% – 28.49% Variable
- Intro Purchase APR
- N/A
- Recommended Credit
A credit score is used to indicate an applicant’s credit worthiness and may provide guidance about account eligibility. It does not necessarily guarantee approval for any financial product.
- Good – Excellent
- Rewards rate
-
1x
– 5x
5x on travel purchased through Chase Travel℠.; 3x on dining, select streaming services and online groceries.; 2x on all other travel purchases.; 1x on all other purchases.
The bottom line
The Venture X is a solid choice if you are a frequent traveler who can rack up enough rewards to compensate for the significant annual fee. And the Venture offers decent value for less frequent travelers.
FAQs
When considering all the factors of all travel credit cards, CNET finds that the Chase Sapphire Preferred® Card is the best travel card for most people.
Foreign transaction fees are charged by some credit cards when you make purchases abroad. They are meant to cover the cost of converting currencies, and usually cost 3% of the transaction. Travel credit cards consistently do not charge foreign transaction fees.
Most travel credit cards, some of which carry hefty annual fees, include benefits that add value to those cards, such as travel accident insurance, trip cancellation insurance, trip delay reimbursement or protection, lost luggage reimbursement and rental car insurance.
*All information about the Capital One Venture Rewards Credit Card, Capital One Venture X Rewards Credit Card, and Capital One VentureOne Rewards Credit Card has been collected independently by CNET and has not been reviewed by the issuer.
The editorial content on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or services offered by our partners.
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