Dedicated comparison page

Capital One Venture Rewards vs Capital One Venture X Rewards

Capital One Venture Rewards vs Capital One Venture X Rewards on Luminxo. Compare annual fees, rewards, welcome offers, credit requirements, and who each card is best for.

Lowest annual feeCapital One Venture Rewards$95
Highest reward rateCapital One Venture Rewards2.0%
Lowest starting credit rangeCapital One Venture Rewards700+

Quick Take

Capital One Venture Rewards

by Capital One

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Capital One Venture Rewards is a travel card from Capital One with a $95 annual fee, 75,000 miles after $4,000 in 3 months, and good to excellent credit.

Best for: People focused on travel rewards who can justify a $95 annual fee and who typically have good to excellent credit.

  • 5% on Travel
  • 75,000 miles after $4,000 in 3 months
  • No foreign transaction fee
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Capital One Venture X Rewards

by Capital One

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Capital One Venture X Rewards is a travel card from Capital One with a $395 annual fee, 75,000 miles after $4,000 in 3 months, and excellent credit.

Best for: People focused on travel rewards who can justify a $395 annual fee and who typically have excellent credit.

  • 10% on Travel
  • 75,000 miles after $4,000 in 3 months
  • No foreign transaction fee
Read full review →

Side-by-Side Facts

MetricCapital One Venture RewardsCapital One Venture X Rewards
Annual Fee$95$395
Reward Rate2.0%2.0%
Signup Bonus75,000 miles after $4,000 in 3 months75,000 miles after $4,000 in 3 months
Foreign Transaction FeeNoneNone
Recommended CreditGood to excellent creditExcellent credit
Rewards SummaryEarn elevated rewards with 5% on Travel, plus 2% on other purchases.Earn elevated rewards with 10% on Travel, plus 2% on other purchases.

Who Should Pick Which Card?

Capital One Venture Rewards

Its strongest earning category is Travel at 5%, backed by 2% on general spending. It also avoids foreign transaction fees.

Best for: People focused on travel rewards who can justify a $95 annual fee and who typically have good to excellent credit.

Pros

  • 75,000 miles after $4,000 in 3 months
  • Potentially worthwhile if you use the card enough to cover the $95 annual fee
  • Earns 5% on Travel
  • No foreign transaction fee

Tradeoffs

  • Annual fee of $95 means you need ongoing value from the card
  • Typically requires good to excellent credit
  • Signup bonus requires $4000 in spending within 3 months

Capital One Venture X Rewards

Its strongest earning category is Travel at 10%, backed by 2% on general spending. It also avoids foreign transaction fees.

Best for: People focused on travel rewards who can justify a $395 annual fee and who typically have excellent credit.

Pros

  • 75,000 miles after $4,000 in 3 months
  • Potentially worthwhile if you use the card enough to cover the $395 annual fee
  • Earns 10% on Travel
  • No foreign transaction fee

Tradeoffs

  • Annual fee of $395 means you need ongoing value from the card
  • Typically requires excellent credit
  • Signup bonus requires $4000 in spending within 3 months

Frequently Asked Questions

What is the main difference between Capital One Venture Rewards and Capital One Venture X Rewards?

The biggest tradeoffs are annual fee, reward concentration, and the level of credit usually needed to qualify. This page compares those inputs directly so you can choose the card that fits your spending and tolerance for annual fees.

Which card is easier to qualify for?

Capital One Venture Rewards has the lowest published starting credit range in this comparison at 700.

Which card has the lowest annual fee?

Capital One Venture Rewards has the lowest annual fee in this comparison at $95.