Capital One Venture X Rewards Credit Card vs Smith's Rewards World Elite Mastercard®

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

Smith's Rewards World Elite Mastercard®

U.S. Bank

Annual Fee

$395

Welcome Bonus

75,000 Flex point

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Base Earn Rate

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Top Earn Categories

10X Hotels

10X Car Rentals

10X Car Rentals Capital One

5X Flights

5X Digital Wallet

5X Kroger Pay

2X Kroger

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)

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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

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The Bottom Line

The Smith's Rewards World Elite 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.

Explore More

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

Smith's Rewards World Elite Mastercard® — Full Review All U.S. Bank Cards

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Capital One Venture X Rewards Credit Card vs Smith's Rewards World Elite Mastercard®

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

No image