Key Benefits

Pros

• +Unlimited 2X miles on every purchase with no category tracking required
• +5X miles on hotels and rental cars booked through Capital One Travel
• +$250 annual travel credit offsets most of the $95 annual fee
• +75,000 mile welcome bonus after $4,000 spend in 3 months
• +TSA PreCheck or Global Entry credit ($120 value every 4 years)

• +3X points on 6 everyday categories (dining, gas, groceries, flights, hotels, all travel)
• +10X points on hotels, car rentals, and attractions through Citi Travel portal
• +Lowest $95 annual fee among premium travel cards with transfer partners
• +Transfer to 18+ airline and hotel partners including JetBlue TrueBlue and Turkish Miles&Smiles
• +No foreign transaction fees for international purchases

Cons

• −$95 annual fee (reduced to ~$0 with travel credit, but credit must be used)
• −No lounge access or premium travel perks like Venture X
• −5X earning requires booking through Capital One Travel portal
• −2X flat rate beaten by category-specific cards in dining, groceries, etc.

• −No airport lounge access included
• −Transfer partners weaker than Chase or Amex (no United, Delta, or Hyatt)
• −10X portal bonus requires booking through Citi Travel, limiting flexibility
• −Welcome bonus lower than competing premium cards (60K vs 75K-90K)
• −Points worth less than competitors when redeemed for cash back (1 cent each)

Key Benefits

Pros

• +Unlimited 2X miles on every purchase with no category tracking required
• +5X miles on hotels and rental cars booked through Capital One Travel
• +$250 annual travel credit offsets most of the $95 annual fee
• +75,000 mile welcome bonus after $4,000 spend in 3 months
• +TSA PreCheck or Global Entry credit ($120 value every 4 years)

• +3X points on 6 everyday categories (dining, gas, groceries, flights, hotels, all travel)
• +10X points on hotels, car rentals, and attractions through Citi Travel portal
• +Lowest $95 annual fee among premium travel cards with transfer partners
• +Transfer to 18+ airline and hotel partners including JetBlue TrueBlue and Turkish Miles&Smiles
• +No foreign transaction fees for international purchases

Cons

• −$95 annual fee (reduced to ~$0 with travel credit, but credit must be used)
• −No lounge access or premium travel perks like Venture X
• −5X earning requires booking through Capital One Travel portal
• −2X flat rate beaten by category-specific cards in dining, groceries, etc.

• −No airport lounge access included
• −Transfer partners weaker than Chase or Amex (no United, Delta, or Hyatt)
• −10X portal bonus requires booking through Citi Travel, limiting flexibility
• −Welcome bonus lower than competing premium cards (60K vs 75K-90K)
• −Points worth less than competitors when redeemed for cash back (1 cent each)

Key Benefits

Pros

• +Unlimited 2X miles on every purchase with no category tracking required
• +5X miles on hotels and rental cars booked through Capital One Travel
• +$250 annual travel credit offsets most of the $95 annual fee
• +75,000 mile welcome bonus after $4,000 spend in 3 months
• +TSA PreCheck or Global Entry credit ($120 value every 4 years)

• +3X points on 6 everyday categories (dining, gas, groceries, flights, hotels, all travel)
• +10X points on hotels, car rentals, and attractions through Citi Travel portal
• +Lowest $95 annual fee among premium travel cards with transfer partners
• +Transfer to 18+ airline and hotel partners including JetBlue TrueBlue and Turkish Miles&Smiles
• +No foreign transaction fees for international purchases

Cons

• −$95 annual fee (reduced to ~$0 with travel credit, but credit must be used)
• −No lounge access or premium travel perks like Venture X
• −5X earning requires booking through Capital One Travel portal
• −2X flat rate beaten by category-specific cards in dining, groceries, etc.

• −No airport lounge access included
• −Transfer partners weaker than Chase or Amex (no United, Delta, or Hyatt)
• −10X portal bonus requires booking through Citi Travel, limiting flexibility
• −Welcome bonus lower than competing premium cards (60K vs 75K-90K)
• −Points worth less than competitors when redeemed for cash back (1 cent each)