Is the Capital One Venture X Rewards Credit Card worth the higher annual fee?

The Capital One Venture X Rewards Credit Card costs $395/yr vs $0/yr for the Amazon Prime Store Card. The higher fee includes lounge access that can offset the cost for frequent travelers.

Which card earns more rewards, the Amazon Prime Store Card or Capital One Venture X Rewards Credit Card?

The Capital One Venture X Rewards Credit Card has a higher base earn rate (2X vs 0X), but both cards have different bonus categories where they excel.

What benefits does the Amazon Prime Store Card have that the Capital One Venture X Rewards Credit Card doesn't?

The Amazon Prime Store Card focuses on earn rates, while the Capital One Venture X Rewards Credit Card offers lounge access.

Should I get the Amazon Prime Store Card or the Capital One Venture X Rewards Credit Card?

Choose the Amazon Prime Store Card if you want lower fees and solid rewards. Pick the Capital One Venture X Rewards Credit Card if you spend enough to justify the $395/yr fee through its premium benefits and higher earn rates.

Is the Capital One Venture X Rewards Credit Card worth the higher annual fee?

The Capital One Venture X Rewards Credit Card costs $395/yr vs $0/yr for the Amazon Prime Store Card. The higher fee includes lounge access that can offset the cost for frequent travelers.

Which card earns more rewards, the Amazon Prime Store Card or Capital One Venture X Rewards Credit Card?

The Capital One Venture X Rewards Credit Card has a higher base earn rate (2X vs 0X), but both cards have different bonus categories where they excel.

What benefits does the Amazon Prime Store Card have that the Capital One Venture X Rewards Credit Card doesn't?

The Amazon Prime Store Card focuses on earn rates, while the Capital One Venture X Rewards Credit Card offers lounge access.

Should I get the Amazon Prime Store Card or the Capital One Venture X Rewards Credit Card?

Choose the Amazon Prime Store Card if you want lower fees and solid rewards. Pick the Capital One Venture X Rewards Credit Card if you spend enough to justify the $395/yr fee through its premium benefits and higher earn rates.

Is the Capital One Venture X Rewards Credit Card worth the higher annual fee?

The Capital One Venture X Rewards Credit Card costs $395/yr vs $0/yr for the Amazon Prime Store Card. The higher fee includes lounge access that can offset the cost for frequent travelers.

Which card earns more rewards, the Amazon Prime Store Card or Capital One Venture X Rewards Credit Card?

The Capital One Venture X Rewards Credit Card has a higher base earn rate (2X vs 0X), but both cards have different bonus categories where they excel.

What benefits does the Amazon Prime Store Card have that the Capital One Venture X Rewards Credit Card doesn't?

The Amazon Prime Store Card focuses on earn rates, while the Capital One Venture X Rewards Credit Card offers lounge access.

Should I get the Amazon Prime Store Card or the Capital One Venture X Rewards Credit Card?

Choose the Amazon Prime Store Card if you want lower fees and solid rewards. Pick the Capital One Venture X Rewards Credit Card if you spend enough to justify the $395/yr fee through its premium benefits and higher earn rates.

CardRewards

Editorial disclosure: CardRewards.ai is an independent comparison service. Our analysis is based on publicly available card data and is reviewed regularly by our editorial team. Card issuers do not influence our rankings or content. Last updated: May 2026.

Amazon Prime Store Card vs Capital One Venture X Rewards Credit Card

The Amazon Prime Store Card ($0/yr) is better for everyday value, while the Capital One Venture X Rewards Credit Card ($395/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.

Amazon Prime Store Card

Synchrony

No image

Capital One Venture X Rewards Credit Card

Capital One

Fees & Welcome Offer

Annual Fee

$395

Welcome Bonus

—

75,000 Flex point

Earn Rates

Category	Amazon Prime Store Card	Capital One Venture X Rewards Credit Card
Amazon	5X	2X
Whole Foods

Category-by-Category Winner

The Capital One Venture X Rewards Credit Card wins in 3 of 5 categories. The Amazon Prime Store Card leads in 2.

Amazon

Amazon Prime Store Card earns 5X vs 2X

Whole Foods

Amazon Prime Store Card earns 5X vs 2X

Hotels

Capital One Venture X Rewards Credit Card earns 2X vs 1X

Flights

Capital One Venture X Rewards Credit Card earns 2X vs 1X

Everyday purchases

Capital One Venture X Rewards Credit Card earns 2X on all other spending vs 1X

Is the Fee Difference Worth It?

The Capital One Venture X Rewards Credit Card costs $395/yr — that's $395 more than the Amazon Prime Store Card (no annual fee). To justify that gap, you need to extract at least $395 in annual value from the card's higher earn rates and benefits.

The Capital One Venture X Rewards Credit Card offers lounge access, Global Entry/TSA PreCheck credit. Whether that justifies the fee depends on how often you use these benefits.

Bottom line: The $395 gap is significant. Choose the Capital One Venture X Rewards Credit Card only if you spend heavily on hotels and flights and will use its premium benefits regularly — otherwise the Amazon Prime Store Card delivers strong value at a fraction of the cost.

What You Give Up

Choosing one card means missing out on these benefits from the other.

The Bottom Line

The Amazon Prime Store Card has a lower annual fee ($0 vs $395), making it the more accessible option.

The Capital One Venture X Rewards Credit Card justifies its higher fee with premium perks like lounge access.

Choose the Amazon Prime Store Card if you want solid rewards with a lower cost of entry. Choose the Capital One Venture X Rewards Credit Card if you travel frequently and can maximize its premium benefits.

Frequently Asked Questions

Is the Capital One Venture X Rewards Credit Card worth the higher annual fee?: The Capital One Venture X Rewards Credit Card costs $395/yr vs $0/yr for the Amazon Prime Store Card. The higher fee includes lounge access that can offset the cost for frequent travelers.
Which card earns more rewards, the Amazon Prime Store Card or Capital One Venture X Rewards Credit Card?: The Capital One Venture X Rewards Credit Card has a higher base earn rate (2X vs 0X), but both cards have different bonus categories where they excel.
What benefits does the Amazon Prime Store Card have that the Capital One Venture X Rewards Credit Card doesn't?: The Amazon Prime Store Card focuses on earn rates, while the Capital One Venture X Rewards Credit Card offers lounge access.
Should I get the Amazon Prime Store Card or the Capital One Venture X Rewards Credit Card?: Choose the Amazon Prime Store Card if you want lower fees and solid rewards. Pick the Capital One Venture X Rewards Credit Card if you spend enough to justify the $395/yr fee through its premium benefits and higher earn rates.

Related Comparisons

Amex Gold vs Capital One Venture X Amex Green vs Capital One Venture X Amex Platinum vs Capital One Venture X Capital One Quicksilver vs Capital One Venture X

Explore More

Amazon Prime Store Card — Full Review All Synchrony Cards

Capital One Venture X Rewards Credit Card — Full Review All Capital One Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Synchrony cards · Capital One cards

Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.

Amazon Prime Store Card vs Capital One Venture X Rewards Credit Card

Amazon Prime Store Card

Synchrony

No image

Capital One Venture X Rewards Credit Card

Capital One

Fees & Welcome Offer

Annual Fee

$395

Welcome Bonus

—

75,000 Flex point

Earn Rates

Category	Amazon Prime Store Card	Capital One Venture X Rewards Credit Card
Amazon	5X	2X
Whole Foods

Category-by-Category Winner

The Capital One Venture X Rewards Credit Card wins in 3 of 5 categories. The Amazon Prime Store Card leads in 2.

Amazon

Amazon Prime Store Card earns 5X vs 2X

Whole Foods

Amazon Prime Store Card earns 5X vs 2X

Hotels

Capital One Venture X Rewards Credit Card earns 2X vs 1X

Flights

Capital One Venture X Rewards Credit Card earns 2X vs 1X

Everyday purchases

Capital One Venture X Rewards Credit Card earns 2X on all other spending vs 1X

Is the Fee Difference Worth It?

The Capital One Venture X Rewards Credit Card offers lounge access, Global Entry/TSA PreCheck credit. Whether that justifies the fee depends on how often you use these benefits.

What You Give Up

Choosing one card means missing out on these benefits from the other.

The Bottom Line

The Amazon Prime Store Card has a lower annual fee ($0 vs $395), making it the more accessible option.

The Capital One Venture X Rewards Credit Card justifies its higher fee with premium perks like lounge access.

Frequently Asked Questions

Is the Capital One Venture X Rewards Credit Card worth the higher annual fee?: The Capital One Venture X Rewards Credit Card costs $395/yr vs $0/yr for the Amazon Prime Store Card. The higher fee includes lounge access that can offset the cost for frequent travelers.
Which card earns more rewards, the Amazon Prime Store Card or Capital One Venture X Rewards Credit Card?: The Capital One Venture X Rewards Credit Card has a higher base earn rate (2X vs 0X), but both cards have different bonus categories where they excel.
What benefits does the Amazon Prime Store Card have that the Capital One Venture X Rewards Credit Card doesn't?: The Amazon Prime Store Card focuses on earn rates, while the Capital One Venture X Rewards Credit Card offers lounge access.
Should I get the Amazon Prime Store Card or the Capital One Venture X Rewards Credit Card?: Choose the Amazon Prime Store Card if you want lower fees and solid rewards. Pick the Capital One Venture X Rewards Credit Card if you spend enough to justify the $395/yr fee through its premium benefits and higher earn rates.

Related Comparisons

Amex Gold vs Capital One Venture X Amex Green vs Capital One Venture X Amex Platinum vs Capital One Venture X Capital One Quicksilver vs Capital One Venture X

Explore More

Amazon Prime Store Card — Full Review All Synchrony Cards

Capital One Venture X Rewards Credit Card — Full Review All Capital One Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Synchrony cards · Capital One cards

Amazon Prime Store Card vs Capital One Venture X Rewards Credit Card

Amazon Prime Store Card

Synchrony

No image

Capital One Venture X Rewards Credit Card

Capital One

Fees & Welcome Offer

Annual Fee

$395

Welcome Bonus

—

75,000 Flex point

Earn Rates

Category	Amazon Prime Store Card	Capital One Venture X Rewards Credit Card
Amazon	5X	2X
Whole Foods

Category-by-Category Winner

The Capital One Venture X Rewards Credit Card wins in 3 of 5 categories. The Amazon Prime Store Card leads in 2.

Amazon

Amazon Prime Store Card earns 5X vs 2X

Whole Foods

Amazon Prime Store Card earns 5X vs 2X

Hotels

Capital One Venture X Rewards Credit Card earns 2X vs 1X

Flights

Capital One Venture X Rewards Credit Card earns 2X vs 1X

Everyday purchases

Capital One Venture X Rewards Credit Card earns 2X on all other spending vs 1X

Is the Fee Difference Worth It?

The Capital One Venture X Rewards Credit Card offers lounge access, Global Entry/TSA PreCheck credit. Whether that justifies the fee depends on how often you use these benefits.

What You Give Up

Choosing one card means missing out on these benefits from the other.

The Bottom Line

The Amazon Prime Store Card has a lower annual fee ($0 vs $395), making it the more accessible option.

The Capital One Venture X Rewards Credit Card justifies its higher fee with premium perks like lounge access.

Frequently Asked Questions

Is the Capital One Venture X Rewards Credit Card worth the higher annual fee?: The Capital One Venture X Rewards Credit Card costs $395/yr vs $0/yr for the Amazon Prime Store Card. The higher fee includes lounge access that can offset the cost for frequent travelers.
Which card earns more rewards, the Amazon Prime Store Card or Capital One Venture X Rewards Credit Card?: The Capital One Venture X Rewards Credit Card has a higher base earn rate (2X vs 0X), but both cards have different bonus categories where they excel.
What benefits does the Amazon Prime Store Card have that the Capital One Venture X Rewards Credit Card doesn't?: The Amazon Prime Store Card focuses on earn rates, while the Capital One Venture X Rewards Credit Card offers lounge access.
Should I get the Amazon Prime Store Card or the Capital One Venture X Rewards Credit Card?: Choose the Amazon Prime Store Card if you want lower fees and solid rewards. Pick the Capital One Venture X Rewards Credit Card if you spend enough to justify the $395/yr fee through its premium benefits and higher earn rates.

Related Comparisons

Amex Gold vs Capital One Venture X Amex Green vs Capital One Venture X Amex Platinum vs Capital One Venture X Capital One Quicksilver vs Capital One Venture X

Explore More

Amazon Prime Store Card — Full Review All Synchrony Cards

Capital One Venture X Rewards Credit Card — Full Review All Capital One Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Synchrony cards · Capital One cards

Benefits & Features

Network

VISA

Key Benefits

None

✓Lounge access

✓Travel insurance

✓Global Entry credit

✓Purchase protection

Pros & Cons

Pros

—

+Effective $95 annual fee after $300 travel credit and 10,000 anniversary miles (~$100 value)
+10X miles on hotels and rental cars booked through Capital One Travel
+Access to premium Capital One Lounges in Dallas, Denver, and Washington D.C.
+Priority Pass Select membership with 1,300+ lounges worldwide
+Free authorized users (until Feb 2026, then $125/year for lounge access)

Cons

—

−$395 annual fee requires maximizing credits to get value
−10X earning rate requires booking through Capital One Travel portal
−Guest lounge access changing to $35/guest at Priority Pass after Feb 2026
−No airline transfer bonuses unlike some competitors
−Travel credits only work for Capital One Travel bookings

Choosing Amazon Prime Store Card means losing:

-Airport lounge access
-Purchase protection
-Travel insurance
-Global Entry credit

Which Card Is Right for You?

Get the Amazon Prime Store Card if you:

+Want strong rewards without a large annual fee commitment

Get the Capital One Venture X Rewards Credit Card if you:

+Fly frequently and value airport lounge access
+Prefer a high flat rate across all spending

Benefits & Features

Network

VISA

Key Benefits

None

✓Lounge access

✓Travel insurance

✓Global Entry credit

✓Purchase protection

Pros & Cons

Pros

—

+Effective $95 annual fee after $300 travel credit and 10,000 anniversary miles (~$100 value)
+10X miles on hotels and rental cars booked through Capital One Travel
+Access to premium Capital One Lounges in Dallas, Denver, and Washington D.C.
+Priority Pass Select membership with 1,300+ lounges worldwide
+Free authorized users (until Feb 2026, then $125/year for lounge access)

Cons

—

−$395 annual fee requires maximizing credits to get value
−10X earning rate requires booking through Capital One Travel portal
−Guest lounge access changing to $35/guest at Priority Pass after Feb 2026
−No airline transfer bonuses unlike some competitors
−Travel credits only work for Capital One Travel bookings

Choosing Amazon Prime Store Card means losing:

-Airport lounge access
-Purchase protection
-Travel insurance
-Global Entry credit

Which Card Is Right for You?

Get the Amazon Prime Store Card if you:

+Want strong rewards without a large annual fee commitment

Get the Capital One Venture X Rewards Credit Card if you:

+Fly frequently and value airport lounge access
+Prefer a high flat rate across all spending

Benefits & Features

Network

VISA

Key Benefits

None

✓Lounge access

✓Travel insurance

✓Global Entry credit

✓Purchase protection

Pros & Cons

Pros

—

+Effective $95 annual fee after $300 travel credit and 10,000 anniversary miles (~$100 value)
+10X miles on hotels and rental cars booked through Capital One Travel
+Access to premium Capital One Lounges in Dallas, Denver, and Washington D.C.
+Priority Pass Select membership with 1,300+ lounges worldwide
+Free authorized users (until Feb 2026, then $125/year for lounge access)

Cons

—

−$395 annual fee requires maximizing credits to get value
−10X earning rate requires booking through Capital One Travel portal
−Guest lounge access changing to $35/guest at Priority Pass after Feb 2026
−No airline transfer bonuses unlike some competitors
−Travel credits only work for Capital One Travel bookings

Choosing Amazon Prime Store Card means losing:

-Airport lounge access
-Purchase protection
-Travel insurance
-Global Entry credit

Which Card Is Right for You?

Get the Amazon Prime Store Card if you:

+Want strong rewards without a large annual fee commitment

Get the Capital One Venture X Rewards Credit Card if you:

+Fly frequently and value airport lounge access
+Prefer a high flat rate across all spending