Capital One Venture X Rewards Credit Card vs United Quest Card
Annual fees: Capital One Venture X Rewards Credit Card $395/yr, United Quest Card $350/yr. Strongest bonus categories: Capital One Venture X Rewards Credit Card on hotels, United Quest Card on hotels.
Card data as of October 12, 2026.
- Capital One Venture X Rewards Credit Card
Capital One · $395/yr
United Quest CardChase · $350/yr
Overview
- Annual fee
- Capital One Venture X Rewards Credit Card$395United Quest Card$350Lowest
- Welcome offerCurrent public offer
- Capital One Venture X Rewards Credit Card75,000 milesUnited Quest CardUp to 90,000 miles
- Rewards
- Capital One Venture X Rewards Credit CardCapital One MilesUnited Quest CardUnited MileagePlus
- Foreign transaction fee
- Capital One Venture X Rewards Credit CardNoneUnited Quest CardNone
- Network
- Capital One Venture X Rewards Credit CardVisa InfiniteUnited Quest CardVisa Signature
Earn ratesPer $1 spent
- Dining
- Capital One Venture X Rewards Credit Card2xUnited Quest Card2x
- Flights
- Capital One Venture X Rewards Credit Card2xHighestUnited Quest Card1x
- Hotels
- Capital One Venture X Rewards Credit Card2xHighestUnited Quest Card1x
- Streaming
- Capital One Venture X Rewards Credit Card2xUnited Quest Card2x
- Travel
- Capital One Venture X Rewards Credit Card2xUnited Quest Card2x
- Everything else
- Capital One Venture X Rewards Credit Card2xHighestUnited Quest Card1x
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
United Quest Card- $200 United travel
- $150 Renowned Hotels
- $80 Avis/Budget travel
- $120 Global Entry/TSA PreCheck/NEXUS
- 25% United inflight
- $150/yr JSX credit
- Rideshare & transit
- Capital One Venture X Rewards Credit Card—United Quest Card
- $100/yr rideshare · $8 monthly
- Dining & delivery
- Capital One Venture X Rewards Credit Card—United Quest Card
- $15/mo Instacart+ · $15 monthly
- 3 months Instacart+
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
United Quest Card— - Hotel status & programs
- Capital One Venture X Rewards Credit Card
- $50 Lifestyle Collection
- Premier Collection Hotels with $100 Credit and Daily
United Quest Card— - Airline perks
- Capital One Venture X Rewards Credit Card—United Quest Card
- Annual 10,000-mile award flight discount
- Free first and second checked bags for you plus companion
- 2 Economy Plus upgrades after $40K annual spend
- Priority boarding on all United flights
- Car rental
- Capital One Venture X Rewards Credit Card
- Complimentary Hertz President's Circle top-tier status
United Quest 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
United Quest Card- No foreign transaction fees
- Premier upgrades on award tickets
- Earn 10,000-mile award discount after $20K annual spend
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
United Quest Card- Trip cancellation coverage up to $6,000 per trip
- Trip delay coverage up to $500 per person after 12 hours
- Baggage
- Capital One Venture X Rewards Credit Card
- Lost Luggage Reimbursement Up to $3,000/Passenger Cover
United Quest Card- Baggage delay coverage up to $100/day for 3 days
- Lost luggage coverage up to $3,000 per person
- Rental car
- Capital One Venture X Rewards Credit Card
- Primary Auto Rental Collision Damage Waiver Up to $75,000
United Quest Card- Primary rental car insurance up to $60,000
- Purchase & returns
- Capital One Venture X Rewards Credit Card
- Up to $10K purchase protection
- Up to $300 return protection
United Quest Card- Purchase protection up to $10,000 per item for 120 days
- Extended warranty
- Capital One Venture X Rewards Credit Card
- Extended Warranty Protection up to $10,000 per claim
United Quest Card- Extended warranty adds 1 year to manufacturer warranty
- Cell phone
- Capital One Venture X Rewards Credit Card
- $800 cell phone protection when paying wireless bill
United Quest 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
United Quest Card—
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
United Quest Card- Two free checked bags for cardholder plus companion (up to $440 per roundtrip)
- $200 annual TravelBank credit effectively reduces fee to $150
- $180/year in Instacart credits ($15/month through 2027)
- 10,000-mile award discount annually plus another 10K after $20K spend
- Earns 1 PQP per $20 spent (up to 18,000 PQP/year) plus 1,000 bonus PQPs
- 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
United Quest Card- $350 annual fee is substantial without lounge access
- TravelBank credits only work on United/United Express flights
- PQP earning cap of 18,000 limits status acceleration potential
- 2x on non-United travel is lower than some competitors
- Instacart credits expire December 2027
Category-by-Category Winner
The Capital One Venture X Rewards Credit Card wins in 5 of 5 categories. The United Quest Card leads in 0.
Hotels
Capital One Venture X Rewards Credit Card earns 10X vs 5X
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
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 | United Quest 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: $180 Credits (our usable estimate): $437 − Annual fee ($350) Ongoing: $267 Year one: $1,227 | Close — depends on how much of the credits you use | Close — depends on how much of the credits you use |
| Heavy spender: $4,000/month | Rewards: $1,248 Credits (our usable estimate): $270 − Annual fee ($395) Ongoing: $1,123 Year one: $2,098 | Rewards: $720 Credits (our usable estimate): $437 − Annual fee ($350) Ongoing: $807 Year one: $1,767 | 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 $45 more than the United Quest Card ($350/yr). To justify that gap, you need to extract at least $45 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 $45 fee gap for your own usage.
Bottom line: Use the year-one vs ongoing table for modeled earn value at your spend level. The $45 fee gap means the Capital One Venture X Rewards Credit Card needs roughly $45 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 United Quest Card means losing:
- -Airport lounge access
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:
- +Fly frequently and value airport lounge access
- +Prefer a high flat rate across all spending
Get the United Quest Card if you:
- +Spend $300+/month on restaurants and dining out
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, United Quest Card $350/yr — a $45 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 $350/yr for the United Quest Card. Compare the year-one vs ongoing value table on this page — the $45 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 United Quest 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 United Quest Card doesn't?
- The Capital One Venture X Rewards Credit Card offers lounge access, travel credits, cell phone protection. The United Quest Card offers travel credits.
- Should I get the Capital One Venture X Rewards Credit Card or the United Quest Card?
- Use the spend scenarios on this page: the United Quest Card has a lower $350/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.