Capital One VentureOne Rewards Credit Card vs Capital One Venture X Rewards Credit Card

A detailed side-by-side comparison to help you choose the right card for your spending.

Capital One VentureOne Rewards Credit Card

Capital One

No image

Capital One Venture X Rewards Credit Card

Capital One

Annual Fee

$395

Welcome Bonus

20,000 Flex point

75,000 Flex point

Base Earn Rate

—

Top Earn Categories

5X Hotels

5X Car Rentals

5X Entertainment

10X Hotels

10X Car Rentals

10X Car Rentals Capital One

5X Flights

Network

MASTERCARD

VISA

Key Benefits

None

✓Lounge access

✓Travel insurance

✓Global Entry credit

✓Purchase protection

Pros

+No annual fee
+20,000 mile welcome bonus ($200 value)
+5X miles on hotels and rental cars via Capital One Travel
+1.25X miles on all 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

−Lower earn rate than premium travel cards
−No lounge access or premium travel benefits
−5X earning requires booking through Capital One Travel
−Miles worth 1 cent each for travel, less for other redemptions

−$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

The Bottom Line

The Capital One VentureOne Rewards Credit 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.

Explore More

Capital One VentureOne Rewards Credit Card — Full Review All Capital One Cards

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

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Capital One VentureOne Rewards Credit Card vs Capital One Venture X Rewards Credit Card

A detailed side-by-side comparison to help you choose the right card for your spending.