Capital One Venture vs Venture X
The Venture X comes out ahead for all three spending profiles we tested. Below: what each card pays after fees for three spending profiles, the break-even, and a live calculator for your own numbers. Card terms verified Oct 5, 2026.
Simulated results
Five years, welcome offers counted when the profile's own spending reaches them, points valued for travel (Capital One miles at 1.5¢). Merchant credits like Uber or DoorDash aren't counted for typed profiles; they show up in the break-even instead.
| Profile | Capital One Venture: year 1 | then yearly | 5 years | Venture X: year 1 | then yearly | 5 years |
|---|---|---|---|---|---|---|
| Everyday spender About $2,000 a month, mostly groceries and errands, one trip a year. | $1,750 | $625 | $4,250 | $1,750 | $775 | $4,850 |
| Balanced About $3,500 a month with a few trips a year and regular dining out. | $2,290 | $1,165 | $6,950 | $2,290 | $1,315 | $7,550 |
| Frequent traveler About $5,000 a month, heavy on flights, hotels and restaurants, some trips abroad. | $2,830 | $1,705 | $9,650 | $2,830 | $1,855 | $10,250 |
The break-even
Everyday spender
Capital One Venture trails Venture X by $120 a year. It wins only if its Global Entry credit and elite status are worth more than $120 a year to you.
Balanced
Capital One Venture trails Venture X by $120 a year. It wins only if its Global Entry credit and elite status are worth more than $120 a year to you.
Frequent traveler
Capital One Venture trails Venture X by $120 a year. It wins only if its Global Entry credit and elite status are worth more than $120 a year to you.
Try it with your spending
Starts from the Balanced profile. Change any number, or drop in your statements; they're read on this device and never uploaded.
The live calculator needs JavaScript. The tables above are precomputed.
The live calculator needs JavaScript. The tables above are precomputed.
Side by side
| Term | Capital One Venture | Venture X |
|---|---|---|
| Issuer and network | Capital One, Mastercard | Capital One, Visa |
| Annual fee | $95 | $395 |
| Requires | Nothing extra | Nothing extra |
| Welcome offer | 75,000 points after $4,000 in 3 months | 75,000 points after $4,000 in 3 months |
| Earning | 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel · 5X miles on Capital One Entertainment ticket purchases · 2x on everything else | 10X miles on hotels and rental cars booked through Capital One Travel · 5X miles on flights and vacation rentals booked through Capital One Travel · 5X miles on Capital One Entertainment ticket purchases · 2x on everything else |
| Rewards currency | Capital One miles | Capital One miles |
| Statement credits | None | $300 annual Capital One Travel credit |
| Lounges | None | Capital One Lounge / Capital One Landing, Priority Pass member lounge (lounges only; restaurants, spas, sleep pods, gaming excluded) |
| Foreign transaction fee | None | None |
| Authorized users | No fee | No fee |
| Availability | Open to new applicants | Open to new applicants |
| Verified | Oct 5, 2026 | Oct 5, 2026 |
Is the Capital One Venture worth its $95 fee? · Is the Venture X worth its $395 fee? · Compare every card with your statements