Capital One Venture X Rewards Credit Card vs Fidelity Rewards Visa Signature Card
Annual fees: Capital One Venture X Rewards Credit Card $395/yr, Fidelity Rewards Visa Signature Card $0/yr. Strongest bonus categories: Capital One Venture X Rewards Credit Card on hotels, Fidelity Rewards Visa Signature Card on everyday spending.
Card data as of October 12, 2026.
- Capital One Venture X Rewards Credit Card
Capital One · $395/yr
Fidelity Rewards Visa Signature CardElan Financial · No annual fee
Overview
- Annual fee
- Capital One Venture X Rewards Credit Card$395Fidelity Rewards Visa Signature Card$0Lowest
- Welcome offerCurrent public offer
- Capital One Venture X Rewards Credit Card75,000 milesFidelity Rewards Visa Signature Card—
- Rewards
- Capital One Venture X Rewards Credit CardCapital One MilesFidelity Rewards Visa Signature CardCash back
- Foreign transaction fee
- Capital One Venture X Rewards Credit CardNoneFidelity Rewards Visa Signature CardNone
- Network
- Capital One Venture X Rewards Credit CardVisa InfiniteFidelity Rewards Visa Signature CardVisa Signature
Earn ratesPer $1 spent · points and cash back aren’t ranked against each other
- Flights
- Capital One Venture X Rewards Credit Card2xFidelity Rewards Visa Signature Card2%
- Hotels
- Capital One Venture X Rewards Credit Card2xFidelity Rewards Visa Signature Card2%
- Everything else
- Capital One Venture X Rewards Credit Card2xFidelity Rewards Visa Signature Card2%
Statement creditsAs the issuer states them · — means none on record
- Travel
- Capital One Venture X Rewards Credit Card
- $300 travel credit
- $120 Global Entry/TSA PreCheck · $120 every 4 years
Fidelity Rewards Visa Signature Card- Up to $100 back for Global Entry or TSA PreCheck · $100 every 4 years
Perks & access— means none on record
- Lounges
- Capital One Venture X Rewards Credit Card
- Free Capital One Lounge access at 6 major airports
- Free Priority Pass Select with Over 1,300 Lounge Locations
Fidelity Rewards Visa Signature Card— - Hotel status & programs
- Capital One Venture X Rewards Credit Card
- $50 Lifestyle Collection
- Premier Collection Hotels with $100 Credit and Daily
Fidelity Rewards Visa Signature Card- 900+ luxury hotel properties with exclusive perks
- Car rental
- Capital One Venture X Rewards Credit Card
- Complimentary Hertz President's Circle top-tier status
Fidelity Rewards Visa Signature Card— - Other perks
- Capital One Venture X Rewards Credit Card
- Discounted membership to The Cultivist
- 24/7 personal concierge service
- Miles Redemption
- Exclusive Dining Experiences at Award Winning Restaurants
- No Foreign Transaction Fees on International Purchases
- Around the Clock Travel Emergency Help Services
Fidelity Rewards Visa Signature Card- 24/7 Visa Signature Concierge service
- OpenTable dining access after card verification
Protections & insuranceLimits where published · — means none on record
- Trip insurance
- Capital One Venture X Rewards Credit Card
- Travel Accident Insurance Coverage Up to $1,000,000 Per Trip
- $2,000 trip cancellation and interruption insurance
- Trip Delay Insurance Coverage Up to $500 Per Passenger
Fidelity Rewards Visa Signature Card- Travel Accident Insurance · up to $250,000
- Baggage
- Capital One Venture X Rewards Credit Card
- Lost Luggage Reimbursement Up to $3,000/Passenger Cover
Fidelity Rewards Visa Signature Card- Up to $3,000 lost luggage coverage per trip
- Rental car
- Capital One Venture X Rewards Credit Card
- Primary Auto Rental Collision Damage Waiver Up to $75,000
Fidelity Rewards Visa Signature Card- Auto rental collision damage waiver · up to $75,000
- Purchase & returns
- Capital One Venture X Rewards Credit Card
- Up to $10K purchase protection
- Up to $300 return protection
Fidelity Rewards Visa Signature Card- $500 per claim on theft or damage
- Extended warranty
- Capital One Venture X Rewards Credit Card
- Extended Warranty Protection up to $10,000 per claim
Fidelity Rewards Visa Signature Card— - Cell phone
- Capital One Venture X Rewards Credit Card
- $800 cell phone protection when paying wireless bill
Fidelity Rewards Visa Signature Card— - Other protections
- Capital One Venture X Rewards Credit Card
- Flexible Flight Cancellation Protection Up To 3 Hours Before
- Travel Price Match and Cover for Capital One Travel Bookings
Fidelity Rewards Visa Signature Card- 24/7 worldwide travel and emergency assistance
- 24/7 roadside dispatch assistance (pay-per-use)
Pros & cons
- Pros
- Capital One Venture X Rewards Credit Card
- 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
- Complimentary access to Capital One Lounges and Landings for the primary cardholder
- Priority Pass Select membership with 1,300+ lounges worldwide
- Additional cardholders can be added; lounge access for each costs $125 per year
Fidelity Rewards Visa Signature Card- True 2% unlimited cash back on all purchases with no annual fee
- Rewards auto-deposit into Fidelity brokerage, IRA, 529, or cash management accounts
- No minimum redemption threshold (rewards deposit automatically)
- No foreign transaction fee (removed September 1, 2023)
- Visa Signature benefits in the issuer's Guide to Benefits: purchase security, lost luggage reimbursement, auto rental collision damage waiver, travel accident insurance, concierge
- Cons
- Capital One Venture X Rewards Credit Card
- $395 annual fee requires maximizing credits to get value
- 10X earning rate requires booking through Capital One Travel portal
- Lounge guests cost extra ($35 per visit at Priority Pass lounges, $45 at Capital One Lounges unless you spend $75,000 per calendar year)
- No airline transfer bonuses unlike some competitors
- Travel credits only work for Capital One Travel bookings
Fidelity Rewards Visa Signature Card- The 2% cash back value applies only when points are deposited into an eligible Fidelity account
- Not flexible if you ever want to leave Fidelity
- No premium travel benefits or lounge access
- Issued by Elan Financial Services, not Fidelity directly (customer service may vary)
- No welcome bonus is listed on the issuer's page
Category-by-Category Winner
No unconditional category winner — 4 categories depend on how you earn.
Hotels
Depends: via Capital One Travel - No annual cap
Capital One Venture X Rewards Credit Card earns 10X when conditions are met; Fidelity Rewards Visa Signature Card earns 2X (2X without restrictions)
Car Rentals
Depends: via Capital One Travel - No annual cap
Capital One Venture X Rewards Credit Card earns 10X when conditions are met; Fidelity Rewards Visa Signature Card earns 2X (2X without restrictions)
Flights
Depends: via Capital One Travel - No annual cap
Capital One Venture X Rewards Credit Card earns 5X when conditions are met; Fidelity Rewards Visa Signature Card earns 2X (2X without restrictions)
Vacation Rentals
Depends: via Capital One Travel - No annual cap
Capital One Venture X Rewards Credit Card earns 5X when conditions are met; Fidelity Rewards Visa Signature Card earns 2X (2X without restrictions)
Year One vs Ongoing Value
Modeled net value (bonus categories at unconditional rates, caps applied). Spend mix: dining 15%, groceries 15%, gas 10%, travel 10%, everything else 50%. Statement credits use the same recurring usable estimates as each card's detail page; first-year-only credits count in year one only. Welcome offers valued at each card's program rate shown on this page.
Modeled value is close across spend levels — especially once statement credits are counted.
| Scenario | Capital One Venture X Rewards Credit Card | Fidelity Rewards Visa Signature Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $312 Credits (our usable estimate): $270 − Annual fee ($395) Ongoing: $187 Year one: $1,162 | Rewards: $240 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $240 Year one: $240 | Close — depends on how much of the credits you use | Capital One Venture X Rewards Credit Card |
| Heavy spender: $4,000/month | Rewards: $1,248 Credits (our usable estimate): $270 − Annual fee ($395) Ongoing: $1,123 Year one: $2,098 | Rewards: $960 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $960 Year one: $960 | Capital One Venture X Rewards Credit Card | Capital One Venture X Rewards Credit Card |
Is the Fee Difference Worth It?
The Capital One Venture X Rewards Credit Card costs $395/yr — that's $395 more than the Fidelity Rewards Visa Signature Card (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 includes travel credits, lounge access, Global Entry/TSA PreCheck credit. Those perks are not included in the earn-rate scenario table above — compare their dollar value to the $395 fee gap for your own usage.
Bottom line: Use the year-one vs ongoing table for modeled earn value at your spend level. The $395 fee gap means the Capital One Venture X Rewards Credit Card needs roughly $395 more in annual rewards (or credits you will use) to break even on hotels and car rentals and everyday spend.
What You Give Up
Choosing one card means missing out on these benefits from the other.
Choosing Fidelity Rewards Visa Signature Card means losing:
- -Airport lounge access
Which Card Is Right for You?
Get the Capital One Venture X Rewards Credit Card if you:
- +Fly frequently and value airport lounge access
The Bottom Line
Modeled value is close across spend levels — especially once statement credits are counted.
Published annual fees: Capital One Venture X Rewards Credit Card $395/yr, Fidelity Rewards Visa Signature Card $0/yr — a $395 difference before welcome offers and credits.
Frequently Asked Questions
- Is the Capital One Venture X Rewards Credit Card worth the higher annual fee?
- The Capital One Venture X Rewards Credit Card costs $395/yr vs $0/yr for the Fidelity Rewards Visa Signature Card. Compare the year-one vs ongoing value table on this page — the $395 gap must be offset by higher earn rates, welcome offers, or credits you will use (the Capital One Venture X Rewards Credit Card also lists lounge access, travel credits).
- Which card earns more rewards, the Capital One Venture X Rewards Credit Card or Fidelity Rewards Visa Signature Card?
- Both cards earn 2X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
- What benefits does the Capital One Venture X Rewards Credit Card have that the Fidelity Rewards Visa Signature Card doesn't?
- The Capital One Venture X Rewards Credit Card offers lounge access, travel credits, cell phone protection. The Fidelity Rewards Visa Signature Card focuses more on earn rates than premium perks.
- Should I get the Capital One Venture X Rewards Credit Card or the Fidelity Rewards Visa Signature Card?
- Use the spend scenarios on this page: the Fidelity Rewards Visa Signature Card has a lower $0/yr fee; the Capital One Venture X Rewards Credit Card must earn enough extra (or offer a larger welcome bonus) to justify $395/yr.
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Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published October 12, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.