Capital One Venture vs. Venture X (Full Comparison)

The Capital One Venture and the Capital One Venture X are 2 travel credit cards that are VERY similar, but their differences DO make a big difference! Learn who should consider these cards. Click “Show More” to see Ad Disclosure.

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Both of Capital One’s Venture cards are great in that they offer flexible rewards without a lot of complication. The rewards and benefits are straightforward and easy to put to use each year.

However, ever since the Capital One Venture X was released in November 2021, a lot of people noted how similar it was to the older Venture Rewards card. The ‘X’ had a bigger annual fee of $395 and some extra benefits, but once you use them, the stripped down ‘X’ ended up looking quite similar to the regular Venture. That said, the smaller differences in the rewards earning rates and level of benefits (plus their access privileges) DO make a difference, so let’s compare them!

In general, I’d say that the Capital One Venture Rewards card is best for people who:
- Want an effortless ‘catch all’ credit card for travel.
- Will book flights / hotels / cars thru the Capital One Travel portal.
- Want to earn rewards without managing benefits.
- Have lounge access via a different card (or don’t care about it).

I’d then say that the Capital One Venture X card is best for people who:
- Want a ‘catch all’ credit card for travel w/ extra benefits.
- Will book flights / hotels / cars thru the Capital One Travel portal.
- Want a higher point earning rate.
- Want airport lounge access.
- Want to share benefits with others as Authorized Users.
- Capital One Lounge, Priority Pass, insurance protections, etc.
- Want cell phone protection.

That said, you should probably AVOID both credit cards if you…
- Don’t travel much (these are travel credit cards after all).
- Want to earn cash back rewards (the redemption rates for cash back are really bad, plus you have annual fees you’ll need to deal with).
- Aren’t willing to pay an annual fee (there are tons of great cash back credit cards without annual fees).
- Are focused on earning elite status with hotel chains and/or rental car companies (usually hotels or rental car companies will not honor elite benefits or allow you to earn elite credits when booking through portals).
- Prefer to book travel directly or outside of a bank portal (better customer service, plus the ability to earn status and have it recognized for hotels and rental cars. This does not apply to airline bookings as you can still earn elite status using portals).

The Capital One Venture X authorized user benefits are perhaps one of the biggest differentiators. Although we will not be covering them in detail in this overall comparison video, it could make for a good secondary video in the future.

Disclosure: This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor.

#creditcards #capitalone #travelcreditcards