CardRewardsEditorial 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.
The Bank of America® Customized Cash Rewards for Students ($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.
Bank of America
Capital One
Annual Fee
Welcome Bonus
| Category | Bank of America® Customized Cash Rewards for Students | Capital One Venture X Rewards Credit Card |
|---|---|---|
| Dining | 3X | 2X |
The Bank of America® Customized Cash Rewards for Students wins in 8 of 11 categories. The Capital One Venture X Rewards Credit Card leads in 3.
Dining
Bank of America® Customized Cash Rewards for Students earns 3X vs 2X
Drugstores
Bank of America® Customized Cash Rewards for Students earns 3X vs 2X
Gas Stations
Bank of America® Customized Cash Rewards for Students earns 3X vs 2X
Home Improvement
Bank of America® Customized Cash Rewards for Students earns 3X vs 2X
Online Shopping
Bank of America® Customized Cash Rewards for Students earns 3X vs 2X
Streaming
Bank of America® Customized Cash Rewards for Students earns 3X vs 2X
Telecom
Bank of America® Customized Cash Rewards for Students earns 3X vs 2X
Travel
Bank of America® Customized Cash Rewards for Students earns 3X vs 2X
The Bank of America® Customized Cash Rewards for Students 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 Bank of America® Customized Cash Rewards for Students 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.
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.
The Bank of America® Customized Cash Rewards for Students ($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.
Bank of America
Capital One
Annual Fee
Welcome Bonus
| Category | Bank of America® Customized Cash Rewards for Students | Capital One Venture X Rewards Credit Card |
|---|---|---|
| Dining | 3X | 2X |
The Bank of America® Customized Cash Rewards for Students wins in 8 of 11 categories. The Capital One Venture X Rewards Credit Card leads in 3.
Dining
Bank of America® Customized Cash Rewards for Students earns 3X vs 2X
Drugstores
Bank of America® Customized Cash Rewards for Students earns 3X vs 2X
Gas Stations
Bank of America® Customized Cash Rewards for Students earns 3X vs 2X
Home Improvement
Bank of America® Customized Cash Rewards for Students earns 3X vs 2X
Online Shopping
Bank of America® Customized Cash Rewards for Students earns 3X vs 2X
Streaming
Bank of America® Customized Cash Rewards for Students earns 3X vs 2X
Telecom
Bank of America® Customized Cash Rewards for Students earns 3X vs 2X
Travel
Bank of America® Customized Cash Rewards for Students earns 3X vs 2X
The Bank of America® Customized Cash Rewards for Students 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 Bank of America® Customized Cash Rewards for Students 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.
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.
The Bank of America® Customized Cash Rewards for Students ($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.
Bank of America
Capital One
Annual Fee
Welcome Bonus
| Category | Bank of America® Customized Cash Rewards for Students | Capital One Venture X Rewards Credit Card |
|---|---|---|
| Dining | 3X | 2X |
The Bank of America® Customized Cash Rewards for Students wins in 8 of 11 categories. The Capital One Venture X Rewards Credit Card leads in 3.
Dining
Bank of America® Customized Cash Rewards for Students earns 3X vs 2X
Drugstores
Bank of America® Customized Cash Rewards for Students earns 3X vs 2X
Gas Stations
Bank of America® Customized Cash Rewards for Students earns 3X vs 2X
Home Improvement
Bank of America® Customized Cash Rewards for Students earns 3X vs 2X
Online Shopping
Bank of America® Customized Cash Rewards for Students earns 3X vs 2X
Streaming
Bank of America® Customized Cash Rewards for Students earns 3X vs 2X
Telecom
Bank of America® Customized Cash Rewards for Students earns 3X vs 2X
Travel
Bank of America® Customized Cash Rewards for Students earns 3X vs 2X
The Bank of America® Customized Cash Rewards for Students 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 Bank of America® Customized Cash Rewards for Students 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.
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.
| Drugstores |
| 3X |
| 2X |
| Gas Stations | 3X | 2X |
| Home Improvement | 3X | 2X |
| Online Shopping | 3X | 2X |
| Streaming | 3X | 2X |
| Telecom | 3X | 2X |
| Travel | 3X | 2X |
| Flights | 1X | 2X |
| Grocery Stores | 2X | 2X |
| Hotels | 1X | 2X |
| Wholesale Clubs | 2X | 2X |
| Everything Else | 1X | 2X |
Network
Key Benefits
Pros
Cons
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
The Capital One Venture X Rewards Credit Card costs $395/yr — that's $395 more than the Bank of America® Customized Cash Rewards for Students (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 Bank of America® Customized Cash Rewards for Students delivers strong value at a fraction of the cost.
Choosing one card means missing out on these benefits from the other.
Choosing Bank of America® Customized Cash Rewards for Students means losing:
Get the Bank of America® Customized Cash Rewards for Students if you:
Get the Capital One Venture X Rewards Credit Card if you:
| Drugstores |
| 3X |
| 2X |
| Gas Stations | 3X | 2X |
| Home Improvement | 3X | 2X |
| Online Shopping | 3X | 2X |
| Streaming | 3X | 2X |
| Telecom | 3X | 2X |
| Travel | 3X | 2X |
| Flights | 1X | 2X |
| Grocery Stores | 2X | 2X |
| Hotels | 1X | 2X |
| Wholesale Clubs | 2X | 2X |
| Everything Else | 1X | 2X |
Network
Key Benefits
Pros
Cons
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
The Capital One Venture X Rewards Credit Card costs $395/yr — that's $395 more than the Bank of America® Customized Cash Rewards for Students (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 Bank of America® Customized Cash Rewards for Students delivers strong value at a fraction of the cost.
Choosing one card means missing out on these benefits from the other.
Choosing Bank of America® Customized Cash Rewards for Students means losing:
Get the Bank of America® Customized Cash Rewards for Students if you:
Get the Capital One Venture X Rewards Credit Card if you:
| Drugstores |
| 3X |
| 2X |
| Gas Stations | 3X | 2X |
| Home Improvement | 3X | 2X |
| Online Shopping | 3X | 2X |
| Streaming | 3X | 2X |
| Telecom | 3X | 2X |
| Travel | 3X | 2X |
| Flights | 1X | 2X |
| Grocery Stores | 2X | 2X |
| Hotels | 1X | 2X |
| Wholesale Clubs | 2X | 2X |
| Everything Else | 1X | 2X |
Network
Key Benefits
Pros
Cons
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
The Capital One Venture X Rewards Credit Card costs $395/yr — that's $395 more than the Bank of America® Customized Cash Rewards for Students (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 Bank of America® Customized Cash Rewards for Students delivers strong value at a fraction of the cost.
Choosing one card means missing out on these benefits from the other.
Choosing Bank of America® Customized Cash Rewards for Students means losing:
Get the Bank of America® Customized Cash Rewards for Students if you:
Get the Capital One Venture X Rewards Credit Card if you: