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2 of 4 cards. Side by side on fees, welcome offers, earn rates and benefits.

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Overview
	Capital One Venture X Rewards Credit Card Capital One · $395/yr	Discover it Cash Back Discover · No annual fee
Annual fee	$395	$0 Lowest
Welcome offerCurrent public offer	75,000 miles	—
Rewards	Capital One Miles	Cash back
Foreign transaction fee	None	None
Network	Visa Infinite	Discover
Earn ratesPer $1 spent · points and cash back aren’t ranked against each other
Rotating Quarterly	2x	5%
Flights	2x	1%
Hotels	2x	1%
Everything else	2x	1%
Statement creditsAs the issuer states them · — means none on record
Travel	$300 travel credit $120 Global Entry/TSA PreCheck · $120 every 4 years	—
Perks & access— means none on record
Lounges	Free Capital One Lounge access at 6 major airports Free Priority Pass Select with Over 1,300 Lounge Locations	—
Hotel status & programs	$50 Lifestyle Collection Premier Collection Hotels with $100 Credit and Daily	—
Car rental	Complimentary Hertz President's Circle top-tier status	—
Other perks	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	Talk to a real person anytime, 24/7 Save 3% on international purchases with no foreign fees
Protections & insuranceLimits where published · — means none on record
Trip insurance	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	—
Baggage	Lost Luggage Reimbursement Up to $3,000/Passenger Cover	—
Rental car	Primary Auto Rental Collision Damage Waiver Up to $75,000	—
Purchase & returns	Up to $10K purchase protection Up to $300 return protection	—
Extended warranty	Extended Warranty Protection up to $10,000 per claim	—
Cell phone	$800 cell phone protection when paying wireless bill	—
Other protections	Flexible Flight Cancellation Protection Up To 3 Hours Before Travel Price Match and Cover for Capital One Travel Bookings	Freeze your account instantly from your phone FICO score monitoring First late payment fee is waived automatically Free daily monitoring for your credit and Social Security nu Start using your card instantly after approval Zero liability for any unauthorized charges
Pros & cons
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 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	Cashback Match doubles ALL rewards earned in first year - unlimited 5% cash back on rotating quarterly categories (up to $1,500 spend/quarter) No annual fee ever No foreign transaction fees (rare for no-AF cards) 0% intro APR for 15 months on purchases and balance transfers
Cons	$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	Discover network has lower acceptance than Visa/Mastercard, especially internationally Must activate 5% categories each quarter or earn only 1% $1,500 quarterly cap on 5% categories limits high spenders After year one, effective earn rate drops significantly Base rate of 1% on non-bonus spending is below flat-rate alternatives
	Card details	Card details

Capital One Venture X Rewards Credit Card
Capital One · $395/yr
Discover it Cash Back
Discover · No annual fee

Overview

Annual fee: Capital One Venture X Rewards Credit Card
$395
Discover it Cash Back
$0
Lowest
Welcome offerCurrent public offer: Capital One Venture X Rewards Credit Card
75,000 miles
Discover it Cash Back
—
Rewards: Capital One Venture X Rewards Credit Card
Capital One Miles
Discover it Cash Back
Cash back
Foreign transaction fee: Capital One Venture X Rewards Credit Card
None
Discover it Cash Back
None
Network: Capital One Venture X Rewards Credit Card
Visa Infinite
Discover it Cash Back
Discover

Earn ratesPer $1 spent · points and cash back aren’t ranked against each other

Rotating Quarterly: Capital One Venture X Rewards Credit Card
2x
Discover it Cash Back
5%
Flights: Capital One Venture X Rewards Credit Card
2x
Discover it Cash Back
1%
Hotels: Capital One Venture X Rewards Credit Card
2x
Discover it Cash Back
1%
Everything else: Capital One Venture X Rewards Credit Card
2x
Discover it Cash Back
1%

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
Discover it Cash Back
—

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
Discover it Cash Back
—
Hotel status & programs: Capital One Venture X Rewards Credit Card
$50 Lifestyle Collection
Premier Collection Hotels with $100 Credit and Daily
Discover it Cash Back
—
Car rental: Capital One Venture X Rewards Credit Card
Complimentary Hertz President's Circle top-tier status
Discover it Cash Back
—
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
Discover it Cash Back
Talk to a real person anytime, 24/7
Save 3% on international purchases with no foreign fees

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
Discover it Cash Back
—
Baggage: Capital One Venture X Rewards Credit Card
Lost Luggage Reimbursement Up to $3,000/Passenger Cover
Discover it Cash Back
—
Rental car: Capital One Venture X Rewards Credit Card
Primary Auto Rental Collision Damage Waiver Up to $75,000
Discover it Cash Back
—
Purchase & returns: Capital One Venture X Rewards Credit Card
Up to $10K purchase protection
Up to $300 return protection
Discover it Cash Back
—
Extended warranty: Capital One Venture X Rewards Credit Card
Extended Warranty Protection up to $10,000 per claim
Discover it Cash Back
—
Cell phone: Capital One Venture X Rewards Credit Card
$800 cell phone protection when paying wireless bill
Discover it Cash Back
—
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
Discover it Cash Back
Freeze your account instantly from your phone
FICO score monitoring
First late payment fee is waived automatically
Free daily monitoring for your credit and Social Security nu
Start using your card instantly after approval
Zero liability for any unauthorized charges

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
Discover it Cash Back
Cashback Match doubles ALL rewards earned in first year - unlimited
5% cash back on rotating quarterly categories (up to $1,500 spend/quarter)
No annual fee ever
No foreign transaction fees (rare for no-AF cards)
0% intro APR for 15 months on purchases and balance transfers
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
Discover it Cash Back
Discover network has lower acceptance than Visa/Mastercard, especially internationally
Must activate 5% categories each quarter or earn only 1%
$1,500 quarterly cap on 5% categories limits high spenders
After year one, effective earn rate drops significantly
Base rate of 1% on non-bonus spending is below flat-rate alternatives

Card details

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