| Name | Score | Visit | Annual Fee | Regular APR | Intro Offer | Credit Needed | Disclaimer | |
|---|---|---|---|---|---|---|---|---|
 | 9.2 | Visitcapitalone.com/credit-cards/venture | $95 | 19.99% - 29.99% (Variable) | Enjoy a one-time bonus of 75,000 Miles | Good–Excellent (690–850) |
| Name | Score | Visit | Annual Fee | Regular APR | Intro Offer | Credit Needed | Disclaimer | |
|---|---|---|---|---|---|---|---|---|
 | 8.4 | Visitcapitalone.com | $395 | 19.99% - 29.99% (Variable) | Earn 75,000 bonus miles | Excellent (750–850) |
Old is gold or new is glitter—and which one’s the best pick for you?
Let’s find out—
How the Capital One Venture and Venture X cards compare.
Their fees, bonuses, and other details.
Some decent alternatives.
Read more:
Capital One Venture vs. Venture X: Broad Overview
Capital One Venture and Venture X are travel rewards credit cards catering to folks with excellent credit scores.
Here’s a broad overview of how they compare:
CATEGORY | VENTURE | CAPITAL ONE VENTURE X |
Rating | 4.6/5 | 4.2/5 |
Annual fee | $95 | $395 |
Promotion | Earn 75,000 bonus miles after spending $4,000 in the first 3 months of account opening | Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening |
Rewards | 2x–5x miles | 2x–10x miles |
Want more details? Let’s take a closer look at both cards separately:
Capital One Venture Credit Card Overview
CATEGORY | FEATURES |
APR | 20.74%–28.74% (Variable) |
Annual fee | $95 |
Intro offer | Get 75,000 bonus miles after spending $4,000 on purchases within the first 3 months |
Standard rewards rate | Unlimited 2x miles on all other purchases |
High-end rewards rate | Unlimited 5x miles per dollar on hotels and rental cars booked through Capital One Travel |
Overall credit card rating | 4.6/5 |
Capital One Venture card—pros and cons
- High rewards rate.
- Generous sign-up bonus.
- Airport lounge access.
- Flexible redemption options.
- No foreign transaction fees.
- Global Entry or TSA PreCheck® Credit.
- Trip protection perks.
- Lack of domestic transfer partners.
- Poor cash-back option.
- Has an annual fee.
- High APR.
Pros—what we like
Rewards rate
Most fancy airline cards only give you one point for every dollar you spend unless you’re buying directly from the airline.
But the benefits of Capital One Venture card are different.
You’ll earn five miles for every dollar you drop on hotels and car rentals through Capital One Travel.
You’ll also keep racking up two miles for every dollar you spend on anything else.
Generous sign-up bonus
Get a head start on your next trip with the Capital One Venture card.
New cardholders can score a welcome bonus: Spend $4,000 on purchases within three months of opening your account, and you’ll bag a one time reward of 75,000 miles.
That’s an extra $750 to spend on travel.
Airport lounge access
Capital One Venture card travel benefits include two free visits per year to Capital One Lounge locations or a partnering Plaza Premium Lounge.
The fun doesn’t stop there—once you’ve used up your freebies, you can access these lounges for just $45 per visit.
Flexible redemption options
Capital One’s rewards program unlocks a new world of travel possibilities.
Here are some ways you can use your miles for travel:
Get a statement credit: You can book your travel however you like and then use your miles to get a credit on your statement to cover some or all of the cost.
Each mile is worth one cent when you redeem them (and there’s no minimum amount required). That's a big plus compared to other cards that make you redeem a minimum of $100 or more.
You can redeem anything that Capital One considers as travel: flights, hotels, rail lines, car rentals, limousines, buses, cruises, taxis, travel agents, and more.
Use the issuer’s travel center: Capital One’s online portal offers flights, hotels, rental cars, and vacation packages. You can use your miles to pay upfront, with each mile valued at one cent. So you can take your dream vacation without spending a dime.
Transfer miles to partners: Capital One also lets you transfer your miles to the loyalty programs of various airlines and hotels.
No foreign transaction fees
Wondering what makes the Capital One Venture card your ideal travel partner? The card comes with a $0 foreign transaction fee when making purchases outside of the US.
That’s an awesome perk to have.
The last thing you want is to get back home for a relaxing vacation, look at your credit card statement, and see you were charged extra on every purchase you made outside of your home country. It can make those post-trip blues even worse.
Melissa Middlestadt Travel Writer at My Beautiful Passport
Global Entry or TSA Pre Check® Credit
Get a cool $100 credit towards Global Entry or TSA PreCheck®. You can claim this credit once every four years.
Make sure to use your Venture card when you apply for Global Entry or TSA PreCheck® and pay the respective application fee ($100 for Global Entry or $85 for TSA PreCheck®).
You’ll receive a statement credit once you’re approved.
Capital One Venture card travel benefits
The Venture credit card also gives you travel benefits like rental car coverage, travel accident insurance, and round-the-clock travel assistance services if your card is lost.
Wondering if other cards offer the same features? Check out our full list of the top travel credit cards.
Cons—what to keep in mind
Credit score requirement
You’ll need a high credit standing (ideally between a FICO credit score of 690 to 850) to qualify for this card.
Check your credit score using Credit Karma to see if you qualify.
Capital One Venture annual fee
The Capital One Venture Rewards Credit Card comes with a $95 annual fee, which is pretty standard for travel credit cards.
But this isn’t great news if you’re looking to save on credit card expenses.
High APR
Just like most rewards cards, the Capital One Venture has a pretty steep APR.
Considering your credit standing, you’re probably going to get a higher rate than the average.
In any case, it’s a good idea to avoid carrying a balance from month to month with this card.
Learn more about what a good APR looks like.
Poor cashback option
Thinking of using your miles for cash back or a statement credit on non-travel purchases?
The value of your miles is only half as much compared to redeeming them for travel.
This could pose a problem if you’re not a frequent traveller and you'd rather convert your rewards into actual cash.
For better cashback options, check out our full ranking of the best cashback credit cards.
Useful links
Visit the Venture credit card sign-in page.
See the cardholder agreement to learn more about the card.
Read the FAQ section to learn more about credit card rewards.
Download the Capital One mobile app for Android or iOS.
Get to know your rights on the Consumer Financial Protection Bureau’s website.
Use our free credit card payoff calculator.
Capital One Venture X Overview
CATEGORY | FEATURES |
APR | 21.74%–28.74% (Variable) |
Annual fee | $395 |
Intro offer | Get 75,000 bonus miles after spending $4,000 on purchases within the first 3 months |
Standard cash back rate | Unlimited 2x miles on all other purchases |
High-end cash back rate | 10x miles on hotels and rental cars booked through Capital One Travel 5x miles on flights booked through Capital One Travel |
Overall credit card rating | 4.2/5 |
Capital One Venture X card—pros & cons
- Great intro offer.
- Generous rewards program.
- 10,000 bonus miles as an anniversary gift.
- Airport lounge access.
- Annual travel credit.
- Global Entry or TSA PreCheck® credit.
- No foreign transaction fee.
- Excellent credit score requirement.
- High annual fee.
- High APR.
- Lack of reward partners.
Pros—What we like
Great intro offer
Similar to the Venture Rewards card, if you spend $4,000 on the Capital One Venture X card during the first three months of opening your account, you’ll get an extra 75,000 miles.
Rewards program
You can maximize your earning potential with the Capital One Venture X Rewards card.
This card offers generous mileage rewards ranging from 2x to 10x, depending on where you spend:
Earn an impressive 10x miles when you book hotels and rental cars through Capital One Travel.
Enjoy 5x miles when you book flights through Capital One Travel.
Get 2x miles on all your other purchases.
Capital One Venture 10000 bonus miles
In exchange for your loyalty, you get 10,000 bonus miles (equal to $100) every single year, starting on your first anniversary.
Airport lounge access
Get the ultimate airport lounge experience with Venture X: You’ll have access to a whopping 1,300+ airport lounges all around the world.
As a Venture X® cardholder, you’ll score a complimentary Priority Pass Select membership, along with the exclusive Capital One Lounge (which comes with two free guest passes every year).
Right now, you can enjoy the Capital One Lounge at Dallas/Fort Worth International Airport (DFW).
Two additional lounges are arriving soon at Denver International Airport (DEN) and Dulles International Airport (IAD) outside Washington, D.C.
Annual travel credit
Offset your travel expenses with a $300 travel credit applied to eligible purchases. (This offer is only applicable if you book through Capital One Travel.)
Venture X TSA PreCheck® credit
Just like the Capital Venture card, Venture X gives you a $100 credit on Global Entry or TSA PreCheck® so you can breeze through airport security.
Capital One Venture X foreign transaction fee
You can also travel worry-free overseas, as you won’t spend extra money on foreign transactions.
Cons—What to keep in mind
Excellent credit score requirement
As with some of the best travel credit cards, Capital One requires you to have an excellent credit score (720+) to qualify for it.
Anything less than that, and you may face a rejection.
If your score isn’t there yet, explore ways in which you can increase your credit score.
Meanwhile, you can still get a great rewards credit card like the Capital One QuicksilverOne if you have a fair to good credit score.
High annual fee
The Capital One Venture X card has a high annual fee of $395. This may be more than what some cardholders are used to paying.
But if you’re a frequent traveller and can make the most of the rewards, this fee can easily pay for itself.
As a Venture X cardholder, you can enjoy up to $300 per year in travel credits and receive $185 worth of bonus miles every year on your card’s anniversary. To top it off, you also get a credit for Global Entry or TSA PreCheck once every four years, which is worth about $100 ($25 per year in value).
Add up these benefits, and you get rewards worth $425 each year, surpassing the $395 annual fee.
This equation doesn’t consider intangible perks like the value your authorized users can get, the complimentary food at lounges, or the money saved through purchase protections.
Of course, these benefits only matter if you use the card correctly.
High APR
Like most top travel cards, Venture X has high-interest rates that may add up quickly if you don’t pay off the balance in full each month.
Lack of reward partners
If you’re the type to squeeze every penny out of rewards programs, Venture X’s transfer partner list may interest you.
But keep in mind that only a handful of airlines (none of them American) and a few hotels (Marriott, Hyatt, InterContinental) get in on the action—so unless you stick with just those, you may not make the most of your mileage transfers.
Capital One Venture X card—Useful links
See the cardholder agreement to learn more about the card.
Download the Capital One mobile app for Android or iOS.
Read up on your rights on the Consumer Financial Protection Bureau’s website.
Use our free credit card payoff calculator.
Capital One Venture vs. Venture X Credit Cards Comparison
Let’s get a clearer picture by comparing both cards on the following:
Fees and rates
Rewards
Benefits
Approval rates
Online customer reviews
Capital One Venture vs. Venture X—fees and rates
Here are the key rates and fees for both cards:
FEES | CAPITAL ONE VENTURE | CAPITAL ONE VENTURE X |
Annual fee | $95 | $395 |
APR | 20.74%–28.74% (Variable) | 21.74%–28.74% (Variable) |
APR for cash advances | 28.74% (Variable) | 28.74% (Variable) |
Balance transfer fee | N/A | N/A |
Cash advance fee | Either $3 or 3% of the amount of each cash advance, whichever is greater | Either $3 or 3% of the amount of each cash advance, whichever is greater |
Foreign transaction fee | None | None |
Late fee | Up to $40 | Up to $40 |
Additional card | $0 | $0 |
The $95 annual fee is tipping scales in favor of the Capital One Venture card here.
Capital One Venture vs. Venture X—rewards
Now, let’s compare therewards:
REWARDS | CAPITAL ONE VENTURE | CAPITAL ONE VENTURE X |
Airline bookings | N/A | 10x miles (through Capital One Travel) |
Hotels | 5x miles (through Capital One Travel) | 5x miles (through Capital One Travel) |
Other travel | 2x miles | 2x miles |
Travel credits | N/A | $300 |
Bonus miles on the account anniversary | N/A | 10,000 |
Welcome bonus | 75,000 bonus miles after spending $4,000 in the first 3 months of account opening | 75,000 bonus miles after spending $4,000 in the first 3 months of account opening |
The Capital One Venture X card beats out the Capital One Venture since it offers a higher rewards rate on travel purchases, including flights.
Capital One Venture vs Venture X—benefits
Here’s a closer look at all theperks:
BENEFITS | CAPITAL ONE VENTURE | CAPITAL ONE VENTURE X |
Dining | Access to exclusive reservations at award-winning restaurants | Access to exclusive reservations at award-winning restaurants |
Entertainment | Exclusive access to pre-sales and tickets across sports and music events | Exclusive access to pre-sales and tickets across sports and music events |
Travel credits | Up to a $100 credit on Global Entry or TSA PreCheck® | Up to a $100 credit on Global Entry or TSA PreCheck® Annual travel credit—you’ll get $300 back as statement credits for bookings through Capital One Travel |
Lounge access | 2 complimentary visits per year to Capital One Lounges or Plaza Premium Lounges | Unlimited access to all-inclusive Capital One, Priority Pass™, and Plaza Premium Group lounges for you and two guests |
Cars | Get Hertz Five Star status to skip the rental line and get access to a wide range of cars | Get Hertz President’s Circle status to skip the rental line and get access to a wider range of cars, with a complimentary upgrade Auto rental collision coverage with Visa Infinite |
Anniversary bonus | N/A | Get 10,000 bonus miles ($100) every year, starting on your first anniversary |
Additional benefits | Auto rental collision damage waiver 24-hour travel assistance services if your credit card is lost or stolen Additional warranty protection at no charge on eligible items purchased with your credit card | A complimentary PRIOR subscription A six-month complimentary Enthusiast membership to The Cultivist $300 toward an annual membership at Gravity Haus Cell phone protection (reimbursement up to $800) |
The Capital One Venture X card takes home another win because of the sheer number of additional perks it offers.
Capital One Venture vs. Venture X—approval rates
Approval rates for the Capital One Venture and Venture X cards boil down to your credit score.
While for the Capital One Venture card you need to have a good credit score of 670+, the Capital One Venture X card demands an excellent credit score of 720+.
This makes the Venture X card more difficult to qualify for.
The actual approval rates aren’t publicly available for everyone to see. So there’s no guarantee that you’ll qualify for these cards solely based on your credit score.
A solid credit history and responsible financial habits will surely tip the scales in your favor.
Read more:
Capital One Venture vs. Venture X—online customer reviews
Here’s a quick look at some insightful customer reviews:
“Capital One Venture is a great card if you always pay the balance in full. I signed up when it was a 100,000 sign-up bonus, but the 75,000 bonus it has now is still an attractive offer. Also, there’s no category to memorize, so just use it as your workhorse card and earn 2% on everything.”
“Capital One Venture is an easy card to acquire with a good credit score. The points program is easy to understand. Plus, the Capital One app is super helpful.”
“Capital One Venture X is the most exciting card to hit the market in some time! This Visa Infinite powerhouse has benefits that are up there with Amex, Chase & Citi Prestige. Approved today with a great starting limit, and I am looking forward to taking this card for a drive.”
Cards Comparison—Capital One Venture vs. Capital One Venture X vs. Chase Sapphire Reserve
Let’s up the comparison game and weigh the Capital One credit cards against the Chase Sapphire Reserve card:
FEATURE | CAPITAL ONE VENTURE | CAPITAL ONE VENTURE X | CHASE SAPPHIRE RESERVE |
Annual fee | $95 | $395 | $550 |
APR | 20.74%–28.74% (Variable) | 21.74%–28.74% (Variable) | 22.24%–29.24% (Variable) |
Welcome bonus | 75,000 miles once you spend $4,000 on purchases within the first 3 months from account opening | 75,000 miles once you spend $4,000 on purchases within the first 3 months from account opening | 60,000 points after you spend $4,000 on purchases in the first 3 months from account opening |
Standard cashback rate | Unlimited 2x miles on all other purchases | Unlimited 2x miles on all other purchases | 3x points on other travel worldwide 3x points on another dining at restaurants, including eligible delivery services, takeout and dining out 1 point per dollar spent on all other purchases |
High-end cashback rate | Unlimited 5x miles per dollar on hotels and rental cars booked through Capital One Travel | 10x miles on hotels and rental cars booked through Capital One Travel 5x miles on flights booked through Capital One Travel | 5x total points on flights when you purchase travel through Chase Ultimate Rewards® 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® |
Statement credits | No | Up to $300 for travel | Up to $300 for travel |
Global Entry/TSA PreCheck Credit | Up to $100 reimbursement | Up to $100 reimbursement | Up to $100 reimbursement |
Lounge access | 2 complimentary visits per year to Capital One Lounges or Plaza Premium Lounges | Priority Pass Select and and Plaza Premium Group lounges | Priority Pass Select, Lounge Collection, Centurion Lounges |
Foreign transaction fees | None | None | None |
Credit score required | Good (670+) | Excellent (720+) | Excellent (720+) |
Top Alternatives for the Capital One Venture Card
Let’s see how the Capital One Venture card compares to other rewards and travel cards—
Capital One VentureOne vs. Venture
Here’s how the Capital One Venture card compares to the no-annual-fee VentureOne card:
FEATURE | CAPITAL ONE VENTURE | CAPITAL ONE VENTUREONE |
Annual fee | $95 | $0 |
Intro APR | N/A | 0% intro APR for 15 months on purchases and balance transfers |
APR | 20.74%–28.74% (Variable) | 19.74%–29.74% (Variable) |
Welcome bonus | 75,000 miles once you spend $4,000 on purchases within the first 3 months from account opening | 20,000 miles once you spend $500 on purchases within the first 3 months from account opening |
Standard cashback rate | Unlimited 2x miles on all other purchases | Unlimited 1.25 miles per dollar on every purchase |
High-end cashback rate | Unlimited 5x miles per dollar on hotels and rental cars booked through Capital One Travel | Unlimited 5 miles per dollar on hotels and rental cars booked through Capital One Travel |
Travel credits | N/A | N/A |
Global Entry/TSA PreCheck Credit | Up to $100 reimbursement | N/A |
Lounge access | 2 complimentary visits per year to Capital One Lounges or Plaza Premium Lounges | N/A |
Foreign Transaction Fees | None | None |
Credit score required | Good (670+) | Good (670+) |
Capital One Venture vs. Discover it Miles
Is the Discover it Miles card better than the Capital One Venture card?
Let’s find out:
FEATURE | CAPITAL ONE VENTURE | DISCOVER IT(R) MILES |
Annual fee | $95 | $0 |
Intro APR | N/A | 0% intro APR for 15 months from the account opening date |
APR | 20.74%–28.74% (Variable) | 16.99%–27.99% (Variable) |
Welcome bonus | 75,000 miles once you spend $4,000 on purchases within the first 3 months from account opening | Discover Match®: The issuer automatically matches all the Miles you earn at the end of your first year |
Standard cashback rate | Unlimited 2x miles on all other purchases | 1.5x miles on every dollar of every purchase |
High-end cashback rate | Unlimited 5x miles per dollar on hotels and rental cars booked through Capital One Travel | N/A |
Travel credits | N/A | N/A |
Global Entry/TSA PreCheck Credit | Up to $100 reimbursement | N/A |
Lounge access | 2 complimentary visits per year to Capital One Lounges or Plaza Premium Lounges | N/A |
Foreign transaction fees | None | None |
Credit score required | Good (670+) | Good (670+) |
Top Alternatives for the Capital One Venture X
Let’s check how the Capital One Venture X card compares to other rewards and travel cards—
Chase Sapphire Preferred vs Capital One Venture X
Here’s how the Capital One Venture X weighs against the Chase Sapphire Preferred credit card:
FEATURE | CAPITAL ONE VENTURE X | CHASE SAPPHIRE PREFERRED |
Annual fee | $395 | $95 |
APR | 21.74%–28.74% (Variable) | 21.24%–28.24% Variable |
Welcome bonus | 75,000 bonus miles after spending $4,000 on purchases within the first 3 months of account opening | 60,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening |
Rewards rates | 2x miles per dollar on all eligible purchases 5x miles per dollar on flights booked through Capital One Travel 10x miles per dollar on hotels and rental cars when booking via Capital One Travel | 5x points per dollar on travel purchased through Chase Ultimate Rewards® 3x points per dollar on dining, select streaming services, and online grocery purchases (excluding Walmart, Target and wholesale clubs) 2x points per dollar on all other travel purchases 1 point per dollar on all other purchases |
Statement credits | Up to $300 annual travel credit | Up to $50 in annual statement credits for hotel stays purchased through Chase Ultimate Rewards® |
Other major features | Access to more than 1,300 airport lounges worldwide 10,000 anniversary bonus miles each year after card renewal | Bonus points equal to 10% of your total purchases made the previous year on each account anniversary |
Credit score required | Excellent (720+) | Excellent (720+) |
Capital One Venture X vs Amex Platinum
Wondering how the Capital One card compares to Amex’s best offering?
Let’s see:
FEATURE | CAPITAL ONE VENTURE X | AMERICAN EXPRESS PLATINUM |
Annual fee | $395 | $695 |
APR | 21.74%–28.74% (variable) | 20.99%–28.99% (variable) |
Welcome bonus | 75,000 bonus miles after spending $4,000 on purchases within the first 3 months of account opening | 80,000 rewards points after spending $6,000 on purchases on the card in the first 6 months of card membership |
Earning rates | 2x miles per dollar on all eligible purchases 5x miles per dollar on flights booked through Capital One Travel 10x miles per dollar on hotels and rental cars when booking via Capital One Travel | 5x Membership Rewards Points per dollar for flights booked directly with airlines or with American Express Travel (up to $500,000 per calendar year) 5x points per dollar on prepaid hotels booked with American Express Travel 1 point per dollar on other eligible purchases |
Statement credits | Up to $300 annual travel credit | Over $1,000 in statement credits each year for select purchases with partnering merchants |
Other major features | Access to more than 1,300 airport lounges worldwide 10,000 anniversary bonus miles each year after card renewal | Access to more than 1,400 airport lounges worldwide through the Global Lounge Collection Travel benefits and elite status with select hotel and car rental programs |
Required credit score | Excellent (720+) | Excellent (720+) |
Want to compare this credit card to more options from Amex? Check out our detailed comparison of Capital One Venture X vs. Amex Gold—
Capital One Venture vs. Venture X—Which One To Choose?
When comparing the Capital One Venture with the Capital One Venture X, you’ll notice that both travel rewards cards give you 2x miles for every dollar you spend, with no limits.
They also reward you for booking hotels and car rentals through Capital One Travel.
However, Venture X goes the extra mile by giving you 10x miles on these purchases, while Venture gives you 5x miles.
Additionally, Venture X offers 5x miles on flights booked through Capital One Travel, which Venture doesn’t have.
When you consider the 75,000-mile introductory offer (when you spend $4,000 in the first three months), up to $300 statement credit for travel purchases, and the 10,000 bonus miles on your account anniversary, the Venture X card delivers more value.
But if you’re not keen on paying a higher annual fee, the Venture Card might be a better fit for you.
.jpg)
