Capital One Venture X Rewards Credit Card vs Disney Visa Card

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

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Capital One Venture X Rewards Credit Card

Capital One

Disney Visa Card

Chase

Annual Fee

$395

Welcome Bonus

75,000 Flex point

150 Cash

Base Earn Rate

Top Earn Categories

10X Hotels

10X Car Rentals

10X Car Rentals Capital One

5X Flights

1X Disney Rewards Dollars On All Card Purchases

Network

VISA

Key Benefits

✓Lounge access

✓Travel insurance

✓Global Entry credit

✓Purchase protection

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)

+No annual fee
+10% off merchandise at Disney parks and shopDisney.com
+10% off dining at select Disney restaurants
+Exclusive character photo opportunities at Disney parks
+Low $500 spend requirement for $150 welcome bonus

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

−Only 1% back on all purchases (below average)
−3% foreign transaction fee
−Rewards only redeemable at Disney properties
−No bonus categories for everyday spending
−Premier card offers significantly better value for frequent Disney spenders

The Bottom Line

The Disney Visa 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.

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

Disney Visa Card — Full Review All Chase Cards

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Capital One Venture X Rewards Credit Card vs Disney Visa Card

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

No image