Capital One Venture X Rewards Credit Card vs TAP Miles&Go American Express®
Annual fees: Capital One Venture X Rewards Credit Card $395/yr, TAP Miles&Go American Express® $79/yr. Strongest bonus categories: Capital One Venture X Rewards Credit Card on hotels, TAP Miles&Go American Express® on car rentals.
Card data as of October 12, 2026.
- Capital One Venture X Rewards Credit Card
Capital One · $395/yr
- TAP Miles&Go American Express®
Cardless · $79/yr
Overview
- Annual fee
- Capital One Venture X Rewards Credit Card$395TAP Miles&Go American Express®$79Lowest
- Welcome offerCurrent public offer
- Capital One Venture X Rewards Credit Card75,000 milesTAP Miles&Go American Express®40,000 miles
- Rewards
- Capital One Venture X Rewards Credit CardCapital One MilesTAP Miles&Go American Express®TAP Miles&Go
- Foreign transaction fee
- Capital One Venture X Rewards Credit CardNoneTAP Miles&Go American Express®None
- Network
- Capital One Venture X Rewards Credit CardVisa InfiniteTAP Miles&Go American Express®American Express
Earn ratesPer $1 spent
- Car Rentals
- Capital One Venture X Rewards Credit Card2xTAP Miles&Go American Express®2x
- Flights
- Capital One Venture X Rewards Credit Card2xHighestTAP Miles&Go American Express®1x
- Hotels
- Capital One Venture X Rewards Credit Card2xTAP Miles&Go American Express®2x
- Ridesharing
- Capital One Venture X Rewards Credit Card2xTAP Miles&Go American Express®2x
- Everything else
- Capital One Venture X Rewards Credit Card2xHighestTAP Miles&Go American Express®1x
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
TAP Miles&Go American Express®—
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
TAP Miles&Go American Express®- Lounge passes
- Hotel status & programs
- Capital One Venture X Rewards Credit Card
- $50 Lifestyle Collection
- Premier Collection Hotels with $100 Credit and Daily
TAP Miles&Go American Express®- Earn Status Miles
- Airline perks
- Capital One Venture X Rewards Credit Card—TAP Miles&Go American Express®
- Preferred boarding
- Car rental
- Capital One Venture X Rewards Credit Card
- Complimentary Hertz President's Circle top-tier status
TAP Miles&Go American Express®— - 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
TAP Miles&Go American Express®—
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
TAP Miles&Go American Express®— - Baggage
- Capital One Venture X Rewards Credit Card
- Lost Luggage Reimbursement Up to $3,000/Passenger Cover
TAP Miles&Go American Express®- Extra baggage
- Rental car
- Capital One Venture X Rewards Credit Card
- Primary Auto Rental Collision Damage Waiver Up to $75,000
TAP Miles&Go American Express®— - Purchase & returns
- Capital One Venture X Rewards Credit Card
- Up to $10K purchase protection
- Up to $300 return protection
TAP Miles&Go American Express®— - Extended warranty
- Capital One Venture X Rewards Credit Card
- Extended Warranty Protection up to $10,000 per claim
TAP Miles&Go American Express®— - Cell phone
- Capital One Venture X Rewards Credit Card
- $800 cell phone protection when paying wireless bill
TAP Miles&Go American Express®— - 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
TAP Miles&Go American Express®—
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
TAP Miles&Go American Express®— - 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
TAP Miles&Go American Express®—
Category-by-Category Winner
The Capital One Venture X Rewards Credit Card wins in 3 of 3 categories. The TAP Miles&Go American Express® leads in 0. 2 more categories depend on booking channel or caps.
Hotels
Depends: via Capital One Travel - No annual cap
Capital One Venture X Rewards Credit Card earns 10X when conditions are met; TAP Miles&Go American Express® 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; TAP Miles&Go American Express® earns 2X (2X without restrictions)
Flights
Capital One Venture X Rewards Credit Card earns 5X vs 1X
5X via Capital One Travel - No annual cap
Vacation Rentals
Capital One Venture X Rewards Credit Card earns 5X vs 1X
5X via Capital One Travel - No annual cap
Everyday purchases
Capital One Venture X Rewards Credit Card earns 2X on all other spending vs 1X
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.
Both scenarios favor the Capital One Venture X Rewards Credit Card on net value (rewards, usable credits, fees, and welcome offer).
| Scenario | Capital One Venture X Rewards Credit Card | TAP Miles&Go American Express® | 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: $0 Credits (our usable estimate): $0 − Annual fee ($79) Ongoing: -$79 Year one: -$79 | Capital One Venture X Rewards Credit Card | 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: $0 Credits (our usable estimate): $0 − Annual fee ($79) Ongoing: -$79 Year one: -$79 | 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 $316 more than the TAP Miles&Go American Express® ($79/yr). To justify that gap, you need to extract at least $316 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 $316 fee gap for your own usage.
Bottom line: Use the year-one vs ongoing table for modeled earn value at your spend level. The $316 fee gap means the Capital One Venture X Rewards Credit Card needs roughly $316 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 TAP Miles&Go American Express® means losing:
- -Global Entry credit
Choosing Capital One Venture X Rewards Credit Card means losing:
- -Free checked bags
Which Card Is Right for You?
Get the Capital One Venture X Rewards Credit Card if you:
- +Prefer a high flat rate across all spending
The Bottom Line
Both scenarios favor the Capital One Venture X Rewards Credit Card on net value (rewards, usable credits, fees, and welcome offer).
Everyday (non-bonus) spend earns 2X on the Capital One Venture X Rewards Credit Card vs 1X on the other card.
Published annual fees: Capital One Venture X Rewards Credit Card $395/yr, TAP Miles&Go American Express® $79/yr — a $316 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 $79/yr for the TAP Miles&Go American Express®. Compare the year-one vs ongoing value table on this page — the $316 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 TAP Miles&Go American Express®?
- The Capital One Venture X Rewards Credit Card has a higher base earn rate (2X vs 1X), but both cards have different bonus categories where they excel.
- What benefits does the Capital One Venture X Rewards Credit Card have that the TAP Miles&Go American Express® doesn't?
- The Capital One Venture X Rewards Credit Card offers lounge access, travel credits, cell phone protection. The TAP Miles&Go American Express® offers lounge access.
- Should I get the Capital One Venture X Rewards Credit Card or the TAP Miles&Go American Express®?
- Use the spend scenarios on this page: the TAP Miles&Go American Express® has a lower $79/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.