How Does the Capital One Venture X Stack Up Against Competitors?
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With its longer list of perks — and a $395 annual fee — the new Capital One Venture X Rewards Credit Card is taking a seat at the table with other big players in the premium travel rewards credit card market. Here’s what you’d get with this card:
Welcome offer and ongoing rewards:
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel.
Earn 2 miles per dollar spent on purchases.
Earn 5 miles per dollar on flights booked through Capital One Travel.
Earn 10 miles per dollar on hotels and rental cars booked through Capital One Travel.
Earn 10,000 bonus miles every account anniversary (equal to $100 towards travel).
Travel benefits:
Up to a $300 credit annually for bookings made on Capital One Travel.
Primary cardholders and authorized users get unlimited access to Capital One Lounges (along with 2 guest passes). Also, cardholders, authorized users and guests can access Priority Pass and Partner Network lounges worldwide.
Up to $120 in statement credits toward the cost of TSA PreCheck or Global Entry.
Extra perks when you book a hotel stay through Capital One's Premier Collection like an $100 experience credit, daily breakfast for two people and complimentary WiFi.
Access to entertainment, sports and dining events through the Capital One Experiences program.
Complimentary Hertz President’s Circle status.
Redeem miles toward Capital One Travel bookings, or toward recent travel purchases, at a value of 1 cent per mile. You can also transfer miles to partner airline and hotel loyalty programs.
That’s a substantial increase in benefits compared to the Capital One Venture Rewards Credit Card, though that card charges a more modest $95 annual fee. Here’s how the Capital One Venture X Rewards Credit Card compares to other cards in its league.
Chase Sapphire Reserve®
Annual fee: $550.
Rewards:
Earn 5 points per dollar on flights booked through Chase.
Earn 10 points per dollar on hotels and car rentals booked through Chase and on Chase Dining purchases.
Earn 3 points per dollar on other travel purchases, dining takeout and eligible food delivery services
Earn 1 point per dollar on all other purchases.
Through March 2025: 10 points per $1 spent on Lyft (7 points per dollar spent on Lyft, plus 3 points per dollar spent on travel).
You don’t earn points on travel purchases until you receive the full $300 travel statement credit.
Travel benefits:
$300 in statement credits automatically applied to travel purchases, which include airlines, hotels, timeshares, car rentals, cruises, travel agencies, discount travel sites, campgrounds, trains, buses, taxis, limousines, ferries, toll bridges and highways, and parking lots and garages.
Transfer points to airline and hotel partners at a 1:1 value.
Up to $120 in statement credits toward the cost of NEXUS, TSA PreCheck or Global Entry.
Complimentary Priority Pass Select airport lounge membership. Chase Sapphire airport lounges are in the works, too.
Trip delay reimbursement.
Trip cancellation or interruption insurance.
Sign-up bonus: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
APR: The ongoing APR is 21.74%-28.74% Variable APR.
How it compares with the Capital One Venture X Rewards Credit Card: The Chase Sapphire Reserve® offers a long list of extras that help offset the $550 annual fee. It also has two distinct advantages: Points are worth 50% more (1.5 cents each) when you redeem them for travel through Chase, and the annual travel statement credit isn’t limited to travel booked a certain way. If you carry other cards that earn Chase Ultimate Rewards points, like the Chase Freedom Flex®, you can transfer those points to your Chase Sapphire Reserve® to get the higher redemption rate for travel.
The Platinum Card® from American Express
Annual fee: $695.
Rewards:
5 Membership Rewards points per dollar spent on flights booked directly with airlines or with American Express Travel, on up to $500,000 spent per year.
Earn 5 points per dollar on prepaid hotels booked with American Express Travel.
Earn 2 points per dollar on other eligible travel expenses booked with American Express Travel.
Earn 1 point per dollar on all other purchases.
Terms apply.
Statement credits:
$200 annual statement credit for airline incidental fees for a single airline you choose when you enroll; you can change airlines once a year.
$200 annual statement credit for prepaid The Hotel Collection® (two-night minimum stay required) and Fine Hotels and Resorts® bookings through American Express Travel.
$200 a year for Uber, issued as monthly credits when you enroll and use the card to pay for purchases. Receive $15 each month and $35 in December. Credits are good for rides or Uber Eats orders in the U.S.
Fee credit for either Global Entry or TSA Precheck.
$199 annual statement credit for Clear when you enroll.
$155 annual statement credit for Walmart+ in the form of $12.95 each month.
$300 annual statement credit toward Equinox memberships or Equinox+. Enrollment required.
$240 annual digital entertainment credit when you enroll — up to $20 back per month — toward Peacock, The New York Times, Disney+, The Disney Bundle, ESPN+ and Hulu subscriptions.
$100 annual statement credit for Saks Fifth Avenue or saks.com purchases — up to $50 on a semi-annual basis. Enrollment required.
Terms apply.
Other benefits:
Access to Centurion Lounges, International American Express lounges, Delta Sky Clubs when flying Delta, Priority Pass Select lounges (enrollment required), and lounges in the Plaza Premium, Escape and Airspace networks.
Marriott Bonvoy Gold Elite and Hilton Honors Gold status. Enrollment required.
Book a stay of at least two nights at select The Hotel Collection® properties and you'll get an automatic upgrade, if available, and a $100 credit for dining, spa, resort or other activities at the hotel.
Book a stay at a Fine Hotels and Resorts® location and get automatic room upgrades, if available, early check-in, late checkout, complimentary breakfast, free Wi-Fi and amenities unique to each property.
Get special access to reservations and events through Global Dining Access by Resy when you add your card to your Resy profile.
Terms apply.
Welcome bonus: Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Terms Apply.
APR: See Pay Over Time APR.
How it compares with the Capital One Venture X Rewards Credit Card: As the massive list above makes clear, The Platinum Card® from American Express (see rates and fees) throws everything but the kitchen sink at cardholders, which certainly helps make up for that hefty annual fee. But these statement credits don’t exactly save you money; they merely shave a small amount off the cost of luxury goods and services. If you’re a frequent traveler who prefers high-end experiences, however, The Platinum Card® from American Express delivers. One downside to note is that booking prepaid hotels with Membership Rewards points on American Express Travel yields a value of 0.7 cents per point, compared to the 1 cent per point you’d get booking a hotel with Capital One miles through Capital One Travel.
To view rates and fees of The Platinum Card® from American Express, see this page.
Insurance Benefit: Trip Delay Insurance
Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period.
Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.
Please visit americanexpress.com/benefitsguide for more details.
Underwritten by New Hampshire Insurance Company, an AIG Company.
More from Capital One:
Hertz President's Club status: Upon enrollment, accessible through the Capital One website or mobile app, eligible cardholders will remain at that status level through the duration of the offer. Please note, enrolling through the normal Hertz Gold Plus Rewards enrollment process (e.g. at Hertz.com) will not automatically detect a cardholder as being eligible for the program and cardholders will not be automatically upgraded to the applicable status tier. Additional terms apply.
For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
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