Venture Rewards vs Venture X
Fees, rewards and real yearly value, side by side. Updated October 29, 2026.
Venture Rewards
Estimated value every year on typical spending
$554/ year
Every year, after the annual fee. Year one adds a $750 welcome bonus: $1,304
Venture X
Estimated value every year on typical spending
$504/ year
Every year, after the annual fee. Year one adds a $750 welcome bonus: $1,254
The short answer
- On typical spending, the Capital One Venture Rewards comes out ahead: about $554 a year after its fee, against $504 for the Capital One Venture X.
- The Capital One Venture Rewards costs $300 less a year to hold.
Side by side
| Venture Rewards | Venture X | |
|---|---|---|
| Annual fee | $95 | $395 |
| Rewards | 2X miles on every purchase; 5X miles on hotels, vacation rentals, and rental cars booked through Capital One Travel | 10X miles on hotels and rental cars booked through Capital One Travel |
| Welcome bonus | Earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening. | Enjoy premium travel benefits with 75,000 bonus miles |
| Credits counted | $25/yr | $275/yr |
| Intro APR | Not listed | Not listed |
| Regular APR | 19.74% to 28.74% variable | 19.74% to 28.74% variable |
| Foreign transaction fee | None | None |
| Credit needed | Excellent | Excellent |
Yearly rewards by category
| Category (monthly spend) | Venture Rewards | Venture X |
|---|---|---|
| groceries ($500) | $120 | $120 |
| dining ($400) | $96 | $96 |
| gas ($200) | $48 | $48 |
| travel ($300) | $72 | $72 |
| everything else ($1,200) | $288 | $288 |
Yearly value is rewards plus credits you'd realistically use, minus the annual fee, on $2,600/month: $500 groceries, $400 dining, $200 gas, $300 travel, $1,200 everything else. Points use conservative cash values; store-only rewards count at half. How we rank · Use your own spending
Questions people ask
Which is better, the Capital One Venture Rewards or the Capital One Venture X?
On typical spending the Capital One Venture Rewards is worth more: about $554 a year after its fee, against $504 for the Capital One Venture X. Which is better for you depends on where you spend most; see the category answers below.
Which has the lower annual fee?
The Capital One Venture Rewards ($95 a year, against $395).
Put any two cards head to head.
Pick any cards, including ones you already hold, and compare them on your own spending.
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Card details are collected from issuer websites and were last refreshed October 29, 2026. Terms change often; confirm them with the issuer before you apply.