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 Apple Card. The higher fee includes lounge access that can offset the cost for frequent travelers.

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

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

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

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

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

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

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

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

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

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

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

Choose the Apple 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.

Apple Card vs Capital One Venture X Rewards Credit Card

The Apple 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.

Apple Card

Goldman Sachs

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	Apple Card	Capital One Venture X Rewards Credit Card
Apple	3X	2X
Exxon	3X

Category-by-Category Winner

The Apple Card wins in 8 of 11 categories. The Capital One Venture X Rewards Credit Card leads in 3.

Apple

Apple Card earns 3X vs 2X

Select Merchants

Apple Card earns 3X vs 2X

Exxon

Apple Card earns 3X vs 2X

Mobil

Apple Card earns 3X vs 2X

Nike

Apple Card earns 3X vs 2X

Panera

Apple Card earns 3X vs 2X

Uber

Apple Card earns 3X vs 2X

Walgreens

Apple Card earns 3X vs 2X

Hotels

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

Flights

The Bottom Line

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

Apple Card — Full Review All Goldman Sachs Cards

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

Browse all comparisons →Browse all card categories →

Official issuer pages: Goldman Sachs 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.

Apple Card vs Capital One Venture X Rewards Credit Card

Apple Card

Goldman Sachs

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	Apple Card	Capital One Venture X Rewards Credit Card
Apple	3X	2X
Exxon	3X

Category-by-Category Winner

The Apple Card wins in 8 of 11 categories. The Capital One Venture X Rewards Credit Card leads in 3.

Apple

Apple Card earns 3X vs 2X

Select Merchants

Apple Card earns 3X vs 2X

Exxon

Apple Card earns 3X vs 2X

Mobil

Apple Card earns 3X vs 2X

Nike

Apple Card earns 3X vs 2X

Panera

Apple Card earns 3X vs 2X

Uber

Apple Card earns 3X vs 2X

Walgreens

Apple Card earns 3X vs 2X

Hotels

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

Flights

The Bottom Line

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

Apple Card — Full Review All Goldman Sachs Cards

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

Browse all comparisons →Browse all card categories →

Official issuer pages: Goldman Sachs cards · Capital One cards

Apple Card vs Capital One Venture X Rewards Credit Card

Apple Card

Goldman Sachs

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	Apple Card	Capital One Venture X Rewards Credit Card
Apple	3X	2X
Exxon	3X

Category-by-Category Winner

The Apple Card wins in 8 of 11 categories. The Capital One Venture X Rewards Credit Card leads in 3.

Apple

Apple Card earns 3X vs 2X

Select Merchants

Apple Card earns 3X vs 2X

Exxon

Apple Card earns 3X vs 2X

Mobil

Apple Card earns 3X vs 2X

Nike

Apple Card earns 3X vs 2X

Panera

Apple Card earns 3X vs 2X

Uber

Apple Card earns 3X vs 2X

Walgreens

Apple Card earns 3X vs 2X

Hotels

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

Flights

The Bottom Line

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

Apple Card — Full Review All Goldman Sachs Cards

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

Browse all comparisons →Browse all card categories →

Official issuer pages: Goldman Sachs cards · Capital One cards

Benefits & Features

Network

MASTERCARD

VISA

Key Benefits

None

✓Lounge access

✓Travel insurance

✓Global Entry credit

✓Purchase protection

Pros & Cons

Pros

+No annual fee, no late fees, and no penalty APR
+Daily Cash deposited immediately rather than monthly
+3% back at Apple and select merchants (Uber, Walgreens, Nike, etc.)
+2% back on all Apple Pay purchases
+No foreign transaction fees

+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

−Only 1% back when using physical card (non-Apple Pay)
−Requires iPhone to apply and manage the card
−No sign-up bonus
−No travel-related benefits or protections
−Limited 3% merchant list compared to category cards

−$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

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 Apple 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 Apple 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.

Choosing Apple Card means losing:

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

Which Card Is Right for You?

Get the Apple 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

MASTERCARD

VISA

Key Benefits

None

✓Lounge access

✓Travel insurance

✓Global Entry credit

✓Purchase protection

Pros & Cons

Pros

+No annual fee, no late fees, and no penalty APR
+Daily Cash deposited immediately rather than monthly
+3% back at Apple and select merchants (Uber, Walgreens, Nike, etc.)
+2% back on all Apple Pay purchases
+No foreign transaction fees

+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

−Only 1% back when using physical card (non-Apple Pay)
−Requires iPhone to apply and manage the card
−No sign-up bonus
−No travel-related benefits or protections
−Limited 3% merchant list compared to category cards

−$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

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.

Choosing Apple Card means losing:

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

Which Card Is Right for You?

Get the Apple 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

MASTERCARD

VISA

Key Benefits

None

✓Lounge access

✓Travel insurance

✓Global Entry credit

✓Purchase protection

Pros & Cons

Pros

+No annual fee, no late fees, and no penalty APR
+Daily Cash deposited immediately rather than monthly
+3% back at Apple and select merchants (Uber, Walgreens, Nike, etc.)
+2% back on all Apple Pay purchases
+No foreign transaction fees

+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

−Only 1% back when using physical card (non-Apple Pay)
−Requires iPhone to apply and manage the card
−No sign-up bonus
−No travel-related benefits or protections
−Limited 3% merchant list compared to category cards

−$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

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.

Choosing Apple Card means losing:

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

Which Card Is Right for You?

Get the Apple 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