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Compare the Capital One Venture vs. Capital One Venture X
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| Card type | Travel | Travel |
| Credit card issuer | Capital One | Capital One |
| Annual fee | $95 | $395 |
| Earning rate | 2 miles per dollar on every purchase, every day, 5 miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel and 5 miles per dollar on Capital One Entertainment purchases through 12/31/25 | 2 miles per dollar on every purchase, every day; 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, and 5 miles per dollar on Capital One Entertainment purchases through 12/31/25 |
| Welcome bonus | Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening | Earn 100,000 bonus miles once you spend $10,000 on purchases in the first 6 months from account opening (limited-time offer) |
| Travel benefits |
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| Annual statement credits | None |
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| Lounge access | None | Unlimited access to Capital One and Priority Pass lounges, after enrollment |
| Foreign transaction fee | None | None |
| Credit needed | Excellent, Good | Excellent |
| Learn More | Learn More |
Which card should you choose?
Capital One Venture and Venture X are two of the best travel credit cards from Capital One and among the best options from any issuer. But they're clearly designed for different types of people.
The Capital One Venture card has a lower $95 annual fee, but the Capital One Venture X card has more benefits and perks.
You may prefer the Capital One Venture card if:
- You want a travel credit card with simple earning rates.
- You want a lower annual fee.
- You don't need the premium travel benefits from Capital One Venture X.
Read our Capital One Venture Card review for more details.
You may prefer the Capital One Venture X card if:
- You want a premium travel credit card with simple earning rates.
- You travel frequently and find value in travel benefits such as airport lounge access, annual travel credit, and anniversary miles.
- You want cell phone protection.
- You want comprehensive credit card travel insurance.
- You have an excellent credit score.
Check out our Capital One Venture X review for more details.
Keep in mind that both the Capital One Venture and Venture X are travel credit cards that earn travel rewards and offer travel benefits. If you prefer earning cash back or taking advantage of a 0% intro APR offer, compare the credit cards on our lists of best cashback credit cards and best 0% APR credit cards.
Capital One Venture vs. Venture X: Welcome offers
The Capital One Venture and Venture X cards typically have very competitive welcome offers for new cardholders. This can help you quickly earn a good number of reward miles soon after account opening.
| Capital One Venture Rewards | Capital One Venture X Rewards |
| Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening | Earn 100,000 bonus miles once you spend $10,000 on purchases in the first 6 months from account opening (limited-time offer) |
Capital One Venture vs. Venture X: Rewards rates
The Capital One Venture offers 2 miles per dollar on every purchase, every day, 5 miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel and 5 miles per dollar on Capital One Entertainment purchases through 12/31/25.
The Capital One Venture X offers 2 miles per dollar on every purchase, every day; 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, and 5 miles per dollar on Capital One Entertainment purchases through 12/31/25.
As you can see, the earning rates are similar between the Capital One Venture and Capital One Venture X cards. But Venture X offers higher overall earning potential.
Capital One Venture vs. Venture X: Travel benefits + protections
Both the Capital One Venture and Venture X offer several travel benefits, including up to a $120 statement credit for TSA PreCheck or Global Entry once every four years.
However, Capital One Venture X travel benefits are better than Capital One Venture.
| Capital One Venture Rewards | Capital One Venture X Rewards |
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The Venture X provides unlimited lounge access for you and up to two guests to the Capital One Lounge and Priority Pass network.
Additionally, Venture X cardholders receive $300 travel credit and 10,000 anniversary miles (worth at least $100 toward travel redemptions) every membership year. These benefits alone can completely offset the card's $395 annual fee.
Like many travel credit cards, you also don't have to worry about foreign transaction fees with the Capital One Venture and Venture X cards.
Travel protections
Beyond travel benefits in the form of statement credits and savings, both of these Capital One Venture cards offer travel insurance and protections.
| Capital One Venture Rewards | Capital One Venture X Rewards |
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The Capital One Venture X card offers the same benefits as the Venture card and more.
Credit card travel insurance — other than roadside dispatch, which is a pay-per-use roadside assistance program — typically only applies if you completely pay for travel expenses with your applicable credit card.
Having these types of protections in place has become essential for many travelers since you never know what hiccups you may encounter on a trip. Fortunately, both Capital One Venture and Venture X offer certain travel protections, but Venture X comes in first because its protections are more extensive.
Capital One Venture vs. Venture X: Redeeming rewards
The redemption options on both cards are the same. This includes redeeming Capital One miles for flights and hotel stays through the Capital One Travel portal. You can also transfer miles to over a dozen loyalty program partners such as Avianca LifeMiles and British Airways Executive Club.
| Capital One Venture Rewards | Capital One Venture X Rewards |
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Important differences between Capital One Venture and Capital One Venture X
Capital One Venture and Venture X share some similarities, but it's easy to see how Capital One Venture has lower fees and fewer perks than Capital One Venture X. There are seven important differences between both cards that can help you decide which card works for you.
Annual fees
The Capital One Venture card has a $95 annual fee, while the Capital One Venture X card has a $395 annual fee. The Venture has the advantage here when we don't consider other features or benefits.
Winner: The Capital One Venture card has a lower fee compared to the Capital One Venture X card, making it more attractive to budget-conscious people.
Additional protections
On top of travel protection, Capital One Venture has additional coverages, including purchase protection and extended warranty protection.
Capital One Venture X adds more coverage on top of that with cell phone protection and returns protection.
These benefits protect your eligible card purchases in one way or another. For example, purchase protection covers new purchases made with your card against damage or theft. While extended warranty protection typically extends an item's eligible manufacturer's warranty by an additional year.
Cell phone protection is similar to purchase protection but covers cell phones attached to your cell phone bill that you pay each month with your applicable card. Return protection can reimburse you for new purchases you no longer want but the store won't take back.
Winner: The Venture X card is the clear winner because it offers more purchase protection than the Venture card.
Premier Collection hotels
Both the Capital One Venture and Venture X receive access to the Capital One Travel portal, including opportunities to book flights, hotels, and car rentals. But Venture X cardholders also receive access to booking hotels through the Premier Collection program.
Premier Collection is an exclusive luxury hotel and resort program that's only offered to Capital One Venture X cardholders. It's a curated group of hundreds of properties that provide additional benefits when you book, including daily breakfast for two, a $100 experience credit, and complimentary Wi-Fi. You can also receive room upgrades, early check-in, and late checkout depending on availability.
Using the Premier Collection could be helpful for its additional benefits if you were already planning on booking a certain stay for an upcoming trip. It could also make sense to use your $300 travel credit to help discount a luxury hotel stay.
Winner: The Venture X wins because the Capital One Venture doesn't provide this benefit.
Credit scores
You may need a good or excellent credit score to qualify for the Capital One Venture card, while the Venture X card typically requires an excellent credit score for approval.
Here are the credit score ranges associated with the FICO scoring model, one of the most popular and widely accepted credit scoring models:
- Poor: 300 to 579
- Fair: 580 to 669
- Good: 670 to 739
- Very Good: 740 to 799
- Excellent: 800 to 850
According to this credit scoring model, you probably need at least a 670 credit score to qualify for the Capital One Venture. Meanwhile, you probably need at least an 800 credit score to qualify for the Venture X credit card.
Winner: Capital One Venture likely has better approval odds, though actual approval depends on your credit score, among other factors.
FAQs
Can you have Capital One Venture and Venture X?
Yes, you can have Capital One Venture and Capital One Venture X at the same time. Capital One doesn't publish rules about how many of its credit cards you can have, but it's understood that having two personal cards is typically the limit.
Can I upgrade Capital One Venture to Venture X?
Yes, you can upgrade Capital One Venture to Venture X through a product change. Qualifying for a product change often depends on your overall creditworthiness and standing with Capital One. You typically have to wait a year after opening a card to qualify for a product change, and you'll likely forfeit earning a welcome offer on the new credit card.
Are the Capital One Venture cards made of metal?
Yes, the Capital One Venture and Capital One Venture X cards are made of metal. Other popular metal credit cards include:
Bottom line
Capital One Venture is better if you prefer a $95 annual fee rather than the $395 annual fee on Capital One Venture X. But if you want premium travel benefits — including airport lounge access and a $300 annual travel credit — the Venture X card is the clear winner.
These cards won't be the right fit for everyone. If this is the case for you, check out our dedicated page to compare credit cards and find a card that makes more sense for your lifestyle.
Benefits
Card Details
- $0 annual fee
- Simple, flat-rate rewards
- Flexible redemption options
- Up to 75% Bank of America Preferred Rewards® bonus potential
- Apply Now
- 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
- Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.
- Earn 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center.
- Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions.
- Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 17.74% - 27.74% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%. Balance transfers may not be used to pay any account provided by Bank of America.
- If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases. You could earn 3.75-5.25 points for every $1 you spend on travel purchases made through the Bank of America Travel Center.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
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Intro Offer
Earn 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases
Annual Fee
$0
Why we like it
