Capital One Venture X vs Venture Card: Which Wins?

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Capital One Venture X vs the Venture Card: Which Travel Credit Card is Best for You?

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Last fall, Capital One launched the Capital One Venture X Rewards Credit Card and it took the points and miles world by storm – and for good reason.

It's a souped-up version of the longtime favorite Capital One Venture Rewards Credit Card, adding premium travel perks like lounge access and annual travel credits. Yet its annual fee of $395 clocks in squarely in the middle of the market: Not quite cheap, but far less than other premium travel cards from the likes of American Express or Chase.

Maybe that's why the Venture X has stolen the spotlight from the regular Capital One Venture Card. Still, there's no denying the Venture is a great travel card – especially for beginners.

From annual fees to welcome bonuses to lounge access and more, there are plenty of differences (and similarities) to dissect between Capital One's top travel cards. So keep reading for a full breakdown of the Capital One Venture X vs the Capital One Venture Card.

 

 

Comparing Annual Fees

This one couldn’t be any easier.

The annual fee on the Capital One Venture X card is $395, while the annual fee on the Capital One Venture Card is only $95 each year.

On paper, that means each and every year, you’re saving $300 right off the bat with the Venture as opposed to the Venture X. That alone could make this question a no-brainer for many travelers who can't stomach the thought of paying more than $100 in annual fees.

Yet there's a reason that Venture X charges an additional $300 each year: It offers far more benefits, including easy ways to recoup that entire cost (and then some).

But if we're if we are just comparing the out of pocket cost each and every year to hold the card, there is a clear winner in this category.

Winner: Capital One Venture Rewards Credit Card

 

Capital one venture card

 

Click Here to learn more about the Capital One Venture Rewards Credit Card

 

Venture X vs Venture Card Lounge Access

If it's lounge access you want, this one is easy.

With the Capital One Venture X Card, you'll get access to the new Capital One Lounges. Capital One opened its very first lounge in Dallas last fall, giving Venture X cardholders exclusive free access. It’s a truly incredible space, with great design, fun amenities, and outstanding food. Venture X cardholders and two guests can get in for free.

More lounges are on the way in Denver (DEN) and Washington, D.C.-Dulles (IAD) later this year, with goals to build more in the future.

 

capital one lounge dfw

 

Take a look inside the Capital One DFW Lounge!

In addition to Capital One Lounge access, Venture X cardholders get a Priority Pass Select membership, opening the doors of 1,200-plus airport lounges in cities big and small across the globe. They will also have access to comped meals at select Priority Pass airport restaurants, too.

Finally, in June 2022, Capital One also added access to Plaza Premium Lounges, opening the doors to dozens more lounges abroad and at home. The Plaza Premium name also includes Virgin Atlantic Clubhouse lounges in four U.S. airports like New York City (JFK) and Washington, D.C.-Dulles (IAD); several lounges at the Cancún (CUN) airport; and Avianca lounges throughout Colombia. Here’s the full list of new lounges.

Want to bring in guests? You're in luck. Not only can primary Venture X cardholders bring in two guests for free, but they can also add up to four authorized users to their accounts at no additional cost. Those Venture X authorized users will also get the same lounge memberships – with the ability to bring in up to two of their own guests on each and every visit.

With the regular Capital One Venture Card, you'll get two free annual passes to visit the new Capital One Lounges. But unlike Capital One Venture X cardholders, guests will not be free. That’ll cost $45 each. One exception: Capitane has confirmed that Venture cardholders can use one of two free annual lounge passes to bring a guest with them.

Once cardholders have used up those free passes, they can still get a discounted entry rate of $45 per visit (the standard entry fee is $65 per visit). Even after you’ve used up free passes, guests still cost $45 apiece.

All said, that is a great deal for Venture cardholders – especially when you consider the card only has a $95 annual fee. But if having airport lounge access is important, this category could be enough to sway you towards Venture X, which is the clear winner in this category.

Winner: Capital One Venture Rewards Credit Card

 

capital one venture x

 

Click Here to learn more about the Capital One Venture X Rewards Credit Card

 

Venture X vs Venture Card Welcome Offer Bonuses

When you sign up for a travel credit card, it’s all about the welcome bonus. Comparing the Capital One Venture X and Venture, you really can’t go wrong either way. After recent changes, you'll get the exact same offer on both cards.

With the Capital One Venture X Card, you’ll earn 75,000 Capital One Venture Miles after spending $4,000 in the first three months of card membership. Considering you earn at least 2x Venture Miles on every dollar you spend, that bumps your total earnings to 83,000 once you meet the spending requirement – worth at least $830 toward travel.

Last month, Capital One upped the offer on the regular Venture card from 60,000 Venture Miles after spending $3,000 in the first three months to match the Venture X offer. You'll now earn 75,000 Capital One Venture Miles after spending $4,000 in the first three months of card membership. Again, considering you earn at least 2x Venture Miles on every dollar you spend, that bumps your total earnings to 83,000 once you meet the spending requirement – worth at least $830 toward travel.

In fact, this may not be a temporary enhanced bonus on the Venture Card, but a permanent fixture – a Capital One spokesperson said the bank has no plans to change this new 75,000-mile bonus.

So when you are comparing the Venture X vs Venture Card, you'll need to look beyond the welcome offer to see which option is best for you.

Winner: Tie

 

Annual Travel Credits

This is a big one.

If you hold the Capital One Venture X Card, you'll get a $300 travel credit each and every year you hold the card redeemable towards flights, hotels, and rental cars booked through the Capital One Travel Portal. While the credit isn't as lucrative and easy to use as the $300 travel credit you'll get with the Chase Sapphire Reserve®, it should be pretty easy to use as long as you plan to spend $300 on flights, hotels, or rental cars each and every year.

Simply head to the Capital One Travel portal in your online Capital One account and make a booking. Generally speaking, pricing should match what you can find on Google Flights or directly with hotels and rental car agencies. Once you make a purchase, you'll automatically get $300 back each year.

 

capital one travel portal home

 

This benefit alone can make the Venture X card worth its annual fee. So long as you can use it, it brings your effective annual fee down to $95 ($395 annual fee minus the $300 travel credit) – right on par with what the regular Venture card charges.

In addition to the annual $300 travel credit, Venture X cardholders will get 10,000 Venture Miles when they renew their card for another year, starting in their second year. Considering Venture miles are worth a minimum of one cent each, these miles are worth at least $100. These two benefits alone can easily justify your $395 annual fee.

The regular Venture Card does not offer any comparable credits.

Winner: Capital One Venture Rewards Credit Card

 

capital one venture x

 

Click Here to learn more about the Capital One Venture X Rewards Credit Card

 

Earning Points with Venture & Venture X

Whether you hold the Venture X or the regular Venture Card, you'll earn 2x Venture Miles on every dollar you spend. But Capital One provides some additional incentive for Venture X cardholders to book travel through the Capital One Travel Portal.

With the Capital One Venture X, you'll earn an unlimited 10x miles per dollar spent on hotels and rental cars booked through Capital One Travel. You'll also earn 5x Venture Miles per dollar spent no flights booked through Capital One's travel portal.

With the Regular Venture Card, you'll earn 5x Venture Miles on hotels and rental cars booked through Capital One Travel, but there is no additional incentive to book flights through the portal.

Finally, thanks to a new partnership through May 2023, Venture X cardholders will earn 10x miles per dollar spent on Turo bookings through the Turo app or at Turo.com. If you have the regular Venture card, you’ll earn 5x miles per dollar spent on Turo bookings.

This category is close, but the slight edge goes to Venture X, thanks to the extra points you'd earn booking travel through the Capital One Travel portal.

Winner: Capital One Venture Rewards Credit Card

 

capital one venture x

 

Click Here to learn more about the Capital One Venture X Rewards Credit Card

 

Credits for Global Entry or TSA PreCheck

There are some other perks that aren’t earth-shattering, and this is one of them.

Both of these cards give you a $100 credit to cover the cost of Global Entry or TSA PreCheck. That’s fairly common these days among travel cards, but it is certainly a nice perk for the cheaper Venture card.

 

global entry kiosks

 

Just pay your application fee with your card and poof – the credit kicks in to automatically cover the cost. You get this credit once every four years, and membership in either program lasts for five years. That means you’re set.

Can’t decide? Go for Global Entry, as that comes with TSA PreCheck benefits but also gets you into a designated customs and immigration line when returning to the U.S. from abroad.

Winner: Tie.

 

Authorized User Fees

The regular Capital One Venture card does not charge a fee for additional authorized users. That's commonplace among cards with a low or no annual fee.

The Capital One Venture X card also doesn't charge authorized user fees, and you'll have the ability to add up to four of them at no additional cost. Better yet, those authorized users will get their own lounge memberships with the ability to bring two of their own guests on each visit.

That's simply unheard of in the world of premium travel credit cards.

Take, for example, The Platinum Card® from American Express which has an annual fee of $695 each year (see rates & fees). But if you want to add an authorized user, that will set you back another $175 each year – though that cost allows you to add up to three users.

Then there is the Chase Sapphire Reserve® which has an annual fee of $550. But if you want to add an authorized user, that will cost an additional $75 each year.

Not charging authorized user fees is a big reason why we feel that Venture X is the best card for traveling families. And even though both cards waive authorized user fees, we're giving the edge to Venture X in this category as authorized users get far more benefits – including their own lounge memberships.

Winner: Capital One Venture Rewards Credit Card

 

capital one venture x

 

Click Here to learn more about the Capital One Venture X Rewards Credit Card

 

Using Venture Miles to Book Travel

Whether you hold the Venture X or the regular Venture Card, there is no advantage when it comes to using your miles.

Unlike how Chase handles bookings through their travel portal – where Sapphire Reserve cardholders will get 1.5 cents each towards travel as opposed to only 1.25 cents each for Sapphire Preferred cardholders – each Venture Mile is worth the same regardless of which card you hold.

That means when you use your miles to cover recent travel purchases or even use them through the Capital One Travel Portal, they will be worth a flat 1 cent each. That means you can use 50,000 miles to book a $500 flight.

Then there is the stable of Capital One transfer partners. Regardless of which card you hold, the transfer ratios will be the same. Here's a look at what's available.

 

ProgramTypeRatioTransfer Time
AeromexicoAirline1:1Instant
Air Canada AeroplanAirline1:1Instant
Air France/KLMAirline1:1Instant
Avianca LifeMilesAirline1:1Instant
British AirwaysAirline1:1Instant
Cathay Pacific AsiaMilesAirline1:1Up to five business days
EmiratesAirline1:1Instant
EtihadAirline1:1Up to 1 day
EVA AirAirline2:1.5Up to five business days
FinnairAirline1:1Instant
QantasAirline1:1Up to 1 day
SingaporeAirline1:1Instant
TAP Air PortugalAirline1:1Same day
Turkish AirlinesAirline1:1Same day
Virgin RedOther1:1Same day
AccorHotel2:1Up to two business days
WyndhamHotel1:1Same day
Choice HotelsHotel1:1Same day

 

Read more: The Best Ways to Use Capital One Venture Miles

Winner: Tie

 

Travel & Rental Car Insurance

The best travel credit cards help protect you when things go wrong and help you avoid paying for add-on coverage.

The Venture X Card offers strong travel insurance coverage when booking flights like trip interruption and delay insurance, and lost baggage coverage. But where the Venture X really shines is with rental car insurance – an area where the regular Venture card simply isn’t as strong.

 

capital one venture x car insurance

 

Read more about the Capital One Venture X rental car insurance benefits!

Charge your rental car to your Venture X, and you get of the strongest rental car insurance you’ll find. Decline the rental car agency’s policy and you’ll have a strong insurance policy that will cover most damages or even the theft of the vehicle. It applies to rentals in the U.S. as long as 15 days and in most foreign countries for up to 31 days.

In addition to car rental insurance coverage, Venture X cardholders will receive complimentary Hertz President’s Circle status.

As the highest level of elite status in their Gold Plus Rewards program, President’s Circle elite members who book an intermediate car or higher get guaranteed upgrades to the next available car class or the ability to choose a car from the President’s Circle Ultimate Choice aisle. Members can also skip the counter when renting a car, have access to a dedicated Hertz Rewards customer service line, and have the ability to add an additional driver at no cost.

The rental coverage offered on the regular Venture card is secondary coverage which isn't nearly as strong.

Winner: Capital One Venture Rewards Credit Card

 

capital one venture x

 

Click Here to learn more about the Capital One Venture X Rewards Credit Card

 

Venture X vs Venture Card: Which Card is Better?

By the numbers, the Venture X card takes five categories, while the Venture Card takes one. Three categories end in a tie.

But every traveler can – and should – weigh each of these categories differently. If you don't care about lounge access and think you might have a hard time using up the annual $300 travel credit on the Venture X, the regular Venture card might be a better option.

If your primary goal is to earn Venture miles and use them through one of the many Capital One transfer partners, there is no benefit to holding one card over the other. At the end of the day, both cards are really solid options and some of the best travel rewards credit cards available.

 

share capital one miles

 

Bottom Line

When comparing Venture X vs the Venture Card, there is a lot to unpack. While many of the benefit offerings are the same, there are some key differences that could sway you one way or another.

 

Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.

2 Responses

  • Nick, didn’t see anything about Priority Pass? Doesn’t the Venture X offer a Priority Pass membership? That addition definitely seems like it would beat Venture in that category.

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