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 Prime Visa. The higher fee includes lounge access that can offset the cost for frequent travelers.

Which card earns more rewards, the Prime Visa 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 Prime Visa have that the Capital One Venture X Rewards Credit Card doesn't?

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

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

Choose the Prime Visa 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 Prime Visa. The higher fee includes lounge access that can offset the cost for frequent travelers.

Which card earns more rewards, the Prime Visa 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 Prime Visa have that the Capital One Venture X Rewards Credit Card doesn't?

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

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

Choose the Prime Visa 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 Prime Visa. The higher fee includes lounge access that can offset the cost for frequent travelers.

Which card earns more rewards, the Prime Visa 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 Prime Visa have that the Capital One Venture X Rewards Credit Card doesn't?

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

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

Choose the Prime Visa 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.

Prime Visa vs Capital One Venture X Rewards Credit Card

The Prime Visa ($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.

Prime Visa

Chase

No image

Capital One Venture X Rewards Credit Card

Capital One

Fees & Welcome Offer

Annual Fee

$395

Welcome Bonus

150 Retail

75,000 Flex point

Earn Rates

Category	Prime Visa	Capital One Venture X Rewards Credit Card
All Travel Ultimate Rewards	5X	2X
Amazon

Category-by-Category Winner

Both cards win in 3 categories each — it comes down to which categories matter most to you.

Amazon

Prime Visa earns 5X vs 2X

Whole Foods

Prime Visa earns 5X vs 2X

All Travel Ultimate Rewards

Prime Visa 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 Prime Visa (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 Prime Visa delivers strong value at a fraction of the cost.

The Bottom Line

The Prime Visa 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 Prime Visa 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 Prime Visa. The higher fee includes lounge access that can offset the cost for frequent travelers.
Which card earns more rewards, the Prime Visa 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 Prime Visa have that the Capital One Venture X Rewards Credit Card doesn't?: The Prime Visa focuses on earn rates, while the Capital One Venture X Rewards Credit Card offers lounge access.
Should I get the Prime Visa or the Capital One Venture X Rewards Credit Card?: Choose the Prime Visa 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

Prime Visa — Full Review All Chase Cards

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

Browse all comparisons →Browse all card categories →

Official issuer pages: Chase 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.

Prime Visa vs Capital One Venture X Rewards Credit Card

Prime Visa

Chase

No image

Capital One Venture X Rewards Credit Card

Capital One

Fees & Welcome Offer

Annual Fee

$395

Welcome Bonus

150 Retail

75,000 Flex point

Earn Rates

Category	Prime Visa	Capital One Venture X Rewards Credit Card
All Travel Ultimate Rewards	5X	2X
Amazon

Category-by-Category Winner

Both cards win in 3 categories each — it comes down to which categories matter most to you.

Amazon

Prime Visa earns 5X vs 2X

Whole Foods

Prime Visa earns 5X vs 2X

All Travel Ultimate Rewards

Prime Visa 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.

The Bottom Line

The Prime Visa 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 Prime Visa 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 Prime Visa. The higher fee includes lounge access that can offset the cost for frequent travelers.
Which card earns more rewards, the Prime Visa 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 Prime Visa have that the Capital One Venture X Rewards Credit Card doesn't?: The Prime Visa focuses on earn rates, while the Capital One Venture X Rewards Credit Card offers lounge access.
Should I get the Prime Visa or the Capital One Venture X Rewards Credit Card?: Choose the Prime Visa 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

Prime Visa — Full Review All Chase Cards

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

Browse all comparisons →Browse all card categories →

Official issuer pages: Chase cards · Capital One cards

Prime Visa vs Capital One Venture X Rewards Credit Card

Prime Visa

Chase

No image

Capital One Venture X Rewards Credit Card

Capital One

Fees & Welcome Offer

Annual Fee

$395

Welcome Bonus

150 Retail

75,000 Flex point

Earn Rates

Category	Prime Visa	Capital One Venture X Rewards Credit Card
All Travel Ultimate Rewards	5X	2X
Amazon

Category-by-Category Winner

Both cards win in 3 categories each — it comes down to which categories matter most to you.

Amazon

Prime Visa earns 5X vs 2X

Whole Foods

Prime Visa earns 5X vs 2X

All Travel Ultimate Rewards

Prime Visa 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.

The Bottom Line

The Prime Visa 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 Prime Visa 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 Prime Visa. The higher fee includes lounge access that can offset the cost for frequent travelers.
Which card earns more rewards, the Prime Visa 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 Prime Visa have that the Capital One Venture X Rewards Credit Card doesn't?: The Prime Visa focuses on earn rates, while the Capital One Venture X Rewards Credit Card offers lounge access.
Should I get the Prime Visa or the Capital One Venture X Rewards Credit Card?: Choose the Prime Visa 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

Prime Visa — Full Review All Chase Cards

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

Browse all comparisons →Browse all card categories →

Official issuer pages: Chase cards · Capital One cards

Pros & Cons

Pros

+5% back at Amazon.com, Amazon Fresh, and Whole Foods Market with Prime membership
+5% back on Chase Travel portal bookings with no cap
+2% back at restaurants, gas stations, and transit - solid everyday categories
+$150 Amazon Gift Card welcome bonus with no minimum spend required
+No annual fee on the card itself (Prime membership separate)

+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

−Requires $139/year Amazon Prime membership to earn 5% (only 3% without Prime)
−Rewards locked to Amazon ecosystem - cannot transfer to airlines/hotels
−Only 1% back on non-category purchases - below average for catch-all spending
−No premium travel protections like trip delay insurance or lounge access
−Sign-up bonus is gift card, not flexible cash or points

−$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

Pros & Cons

Pros

+5% back at Amazon.com, Amazon Fresh, and Whole Foods Market with Prime membership
+5% back on Chase Travel portal bookings with no cap
+2% back at restaurants, gas stations, and transit - solid everyday categories
+$150 Amazon Gift Card welcome bonus with no minimum spend required
+No annual fee on the card itself (Prime membership separate)

+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

−Requires $139/year Amazon Prime membership to earn 5% (only 3% without Prime)
−Rewards locked to Amazon ecosystem - cannot transfer to airlines/hotels
−Only 1% back on non-category purchases - below average for catch-all spending
−No premium travel protections like trip delay insurance or lounge access
−Sign-up bonus is gift card, not flexible cash or points

−$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

Pros & Cons

Pros

+5% back at Amazon.com, Amazon Fresh, and Whole Foods Market with Prime membership
+5% back on Chase Travel portal bookings with no cap
+2% back at restaurants, gas stations, and transit - solid everyday categories
+$150 Amazon Gift Card welcome bonus with no minimum spend required
+No annual fee on the card itself (Prime membership separate)

+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

−Requires $139/year Amazon Prime membership to earn 5% (only 3% without Prime)
−Rewards locked to Amazon ecosystem - cannot transfer to airlines/hotels
−Only 1% back on non-category purchases - below average for catch-all spending
−No premium travel protections like trip delay insurance or lounge access
−Sign-up bonus is gift card, not flexible cash or points

−$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

Prime Visa vs Capital One Venture X Rewards Credit Card

Prime Visa

Capital One Venture X Rewards Credit Card

Fees & Welcome Offer

Earn Rates

Category-by-Category Winner

Is the Fee Difference Worth It?

The Bottom Line

Frequently Asked Questions

Related Comparisons

Explore More

Prime Visa vs Capital One Venture X Rewards Credit Card

Prime Visa

Capital One Venture X Rewards Credit Card

Fees & Welcome Offer

Earn Rates

Category-by-Category Winner

Is the Fee Difference Worth It?

The Bottom Line

Frequently Asked Questions

Related Comparisons

Explore More

Prime Visa vs Capital One Venture X Rewards Credit Card

Prime Visa

Capital One Venture X Rewards Credit Card

Fees & Welcome Offer

Earn Rates

Category-by-Category Winner

Is the Fee Difference Worth It?

The Bottom Line

Frequently Asked Questions

Related Comparisons

Explore More

Benefits & Features

Pros & Cons

What You Give Up

Which Card Is Right for You?

Benefits & Features

Pros & Cons

What You Give Up

Which Card Is Right for You?

Benefits & Features

Pros & Cons

What You Give Up

Which Card Is Right for You?