Capital One Venture X Rewards Credit Card vs TD Cash Credit Card
Annual fees: Capital One Venture X Rewards Credit Card $395/yr, TD Cash Credit Card $0/yr. Strongest bonus categories: Capital One Venture X Rewards Credit Card on hotels, TD Cash Credit Card on top spend category.
Card data as of November 13, 2026.
Capital One Venture X Rewards Credit CardCapital One · $395/yr
- TD Cash Credit Card
TD Bank · No annual fee
Overview
- Annual fee
- Capital One Venture X Rewards Credit Card$395TD Cash Credit Card$0Lowest
- Welcome offerCurrent public offer
- Capital One Venture X Rewards Credit Card75,000 milesTD Cash Credit Card$200 cash back
- Rewards
- Capital One Venture X Rewards Credit CardCapital One MilesTD Cash Credit CardCash back
- Foreign transaction fee
- Capital One Venture X Rewards Credit CardNoneLowestTD Cash Credit Card3%
- Network
- Capital One Venture X Rewards Credit CardVisa InfiniteTD Cash Credit CardVisa Signature
Earn ratesPer $1 spent · points and cash back aren’t ranked against each other
- Dining
- Capital One Venture X Rewards Credit Card2xTD Cash Credit Card3%
- Entertainment
- Capital One Venture X Rewards Credit Card2xTD Cash Credit Card3%
- Gas Stations
- Capital One Venture X Rewards Credit Card2xTD Cash Credit Card3%
- Grocery Stores
- Capital One Venture X Rewards Credit Card2xTD Cash Credit Card3%
- Top Spend Category
- Capital One Venture X Rewards Credit Card2xTD Cash Credit Card3%
- Travel
- Capital One Venture X Rewards Credit Card2xTD Cash Credit Card3%
- Flights
- Capital One Venture X Rewards Credit Card2xTD Cash Credit Card1%
- Hotels
- Capital One Venture X Rewards Credit Card2xTD Cash Credit Card1%
- Everything else
- Capital One Venture X Rewards Credit Card2xTD Cash Credit Card1%
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
TD Cash Credit Card—
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
TD Cash Credit Card— - Hotel status & programs
- Capital One Venture X Rewards Credit Card
- $50 Lifestyle Collection
- Premier Collection Hotels with $100 Credit and Daily
TD Cash Credit Card- Breakfast for 2, upgrades and VIP status at luxury hotels
- Car rental
- Capital One Venture X Rewards Credit Card
- Complimentary Hertz President's Circle top-tier status
TD Cash Credit 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
TD Cash Credit Card- 24/7 Visa Signature Concierge service
- Free ticket + presale at Sofar Sounds concerts
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
TD Cash Credit Card— - Baggage
- Capital One Venture X Rewards Credit Card
- Lost Luggage Reimbursement Up to $3,000/Passenger Cover
TD Cash Credit 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
TD Cash Credit Card- Car rental benefits
- Purchase & returns
- Capital One Venture X Rewards Credit Card
- Up to $10K purchase protection
- Up to $300 return protection
TD Cash Credit 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
TD Cash Credit Card- Extended warranty adds up to 1 year
- Cell phone
- Capital One Venture X Rewards Credit Card
- $800 cell phone protection when paying wireless bill
TD Cash Credit Card- Cell phone protection
- 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
TD Cash Credit Card- Emergency card replacement
- Roadside Dispatch®
- Travel and emergency assistance services
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
TD Cash Credit Card- Customizable categories with 3% on one and 2% on another
- No annual fee
- $200 welcome bonus with $1,000 spend requirement
- 0% intro APR on balance transfers for 15 billing cycles (transfers within the first 90 days) and on purchases for 12 billing cycles
- Cell phone protection included
- 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
TD Cash Credit Card- Only available to residents of 16 East Coast states
- 3% foreign transaction fee
- Must remember to optimize category selections
- Only 1% on purchases outside chosen categories
- Regional bank limits branch availability
Category-by-Category Winner
The TD Cash Credit Card wins in 6 of 11 categories. The Capital One Venture X Rewards Credit Card leads in 5.
Hotels
Capital One Venture X Rewards Credit Card earns 10X vs 1X
10X via Capital One Travel - No annual cap
Car Rentals
Capital One Venture X Rewards Credit Card earns 10X vs 1X
10X via Capital One Travel - No annual cap
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
Top Spend Category
TD Cash Credit Card earns 3X vs 2X
Dining
TD Cash Credit Card earns 3X vs 2X
Entertainment
TD Cash Credit Card earns 3X vs 2X
Gas Stations
TD Cash Credit Card earns 3X vs 2X
Grocery Stores
TD Cash Credit Card earns 3X vs 2X
Travel
TD Cash Credit Card earns 3X vs 2X
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.
Modeled value is close across spend levels — especially once statement credits are counted.
| Scenario | Capital One Venture X Rewards Credit Card | TD Cash Credit 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: $440 | 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: $1,160 | 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 TD Cash Credit 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 TD Cash Credit Card means losing:
- -Airport lounge access
- -Global Entry credit
Which Card Is Right for You?
Get the Capital One Venture X Rewards Credit Card if you:
- +Fly frequently and value airport lounge access
- +Prefer a high flat rate across all spending
Get the TD Cash Credit Card if you:
- +Spend $300+/month on restaurants and dining out
- +Do most of your spending at grocery stores
The Bottom Line
Modeled value is close across spend levels — especially once statement credits are counted.
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, TD Cash Credit 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 TD Cash Credit 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 TD Cash Credit Card?
- 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 TD Cash Credit Card doesn't?
- The Capital One Venture X Rewards Credit Card offers lounge access, travel credits, cell phone protection. The TD Cash Credit Card offers cell phone protection.
- Should I get the Capital One Venture X Rewards Credit Card or the TD Cash Credit Card?
- Use the spend scenarios on this page: the TD Cash Credit 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 November 13, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.