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© Copyright 2026 CardRewards. All Rights Reserved.

About

Blog
Contact

Product

Documentation

Legal

Terms of Service
Privacy Policy
Cookie Policy
Accessibility

Here you can add a description about your company or product

© Copyright 2026 CardRewards. All Rights Reserved.

About

Blog
Contact

Product

Documentation

Legal

Terms of Service
Privacy Policy
Cookie Policy
Accessibility

Capital One Venture X Rewards Credit Card vs Dillard’s Mastercard® — Full Comparison (2026)

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Capital One Venture X Rewards Credit Card vs Dillard’s Mastercard®

Capital One Venture X Rewards Credit Card vs Dillard’s Mastercard®

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

Capital One Venture X Rewards Credit Card

Capital One

Dillard’s Mastercard®

Citi

Annual Fee

$395

$0

Welcome Bonus

75,000 Flex point

—

Base Earn Rate

2X

1X

Top Earn Categories

10X Hotels

10X Car Rentals

10X Car Rentals Capital One

5X Flights

2X Dillards

2X Gas Stations

2X Grocery Stores

Network

VISA

MASTERCARD

Key Benefits

✓Lounge access

✓Travel insurance

✓Global Entry credit

✓Purchase protection

None

Pros

+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

−$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 Dillard’s Mastercard® 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.

For everyday spending, the Capital One Venture X Rewards Credit Card earns more with its 2X base rate.

Explore More

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

Dillard’s Mastercard® — Full Review All Citi Cards

Browse all comparisons →Browse all card categories →

Home
/
Compare
/
Capital One Venture X Rewards Credit Card vs Dillard’s Mastercard®

Capital One Venture X Rewards Credit Card vs Dillard’s Mastercard®

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

Capital One Venture X Rewards Credit Card

Capital One

Dillard’s Mastercard®

Citi

Annual Fee

$395

$0

Welcome Bonus

75,000 Flex point

—

Base Earn Rate

2X

1X

Top Earn Categories

10X Hotels

10X Car Rentals

10X Car Rentals Capital One

5X Flights

2X Dillards

2X Gas Stations

2X Grocery Stores

Network

VISA

MASTERCARD

Key Benefits

✓Lounge access

✓Travel insurance

✓Global Entry credit

✓Purchase protection

None

Pros

+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

−$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 Dillard’s Mastercard® 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.

For everyday spending, the Capital One Venture X Rewards Credit Card earns more with its 2X base rate.

Explore More

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

Dillard’s Mastercard® — Full Review All Citi Cards

Browse all comparisons →Browse all card categories →

Home
/
Compare
/
Capital One Venture X Rewards Credit Card vs Dillard’s Mastercard®

Capital One Venture X Rewards Credit Card vs Dillard’s Mastercard®

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

Capital One Venture X Rewards Credit Card

Capital One

Dillard’s Mastercard®

Citi

Annual Fee

$395

$0

Welcome Bonus

75,000 Flex point

—

Base Earn Rate

2X

1X

Top Earn Categories

10X Hotels

10X Car Rentals

10X Car Rentals Capital One

5X Flights

2X Dillards

2X Gas Stations

2X Grocery Stores

Network

VISA

MASTERCARD

Key Benefits

✓Lounge access

✓Travel insurance

✓Global Entry credit

✓Purchase protection

None

Pros

+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

−$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 Dillard’s Mastercard® 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.

For everyday spending, the Capital One Venture X Rewards Credit Card earns more with its 2X base rate.

Explore More

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

Dillard’s Mastercard® — Full Review All Citi Cards

Browse all comparisons →Browse all card categories →