Venture vs. Venture X cards comparison

August 5, 2025|6 min read

The Capital One Venture and Venture X travel rewards credit cards are designed for travelers who want to earn rewards. With the Venture card and the Venture X card, you can earn unlimited 2X miles on every purchase. Plus, you’ll earn elevated rewards when you book travel through Capital One Travel.

When you’re ready, you can redeem those rewards for things like flights, hotels, vacation rentals, rental cars, gift cards, cash back in the form of a statement credit or check, and more. And miles don’t expire for the life of the account. Find out more about the differences between the Venture and Venture X cards and see how they compare.

What you’ll learn:

The Venture and Venture X cards are two travel rewards credit cards from Capital One.
Venture cardholders earn unlimited 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel, 5X miles on Capital One Entertainment purchases and 2X miles on all other purchases.
Venture X cardholders enjoy premium benefits and earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel, 5X miles on flights and vacation rentals booked through Capital One Travel and 2X miles on all other purchases.
New Venture and Venture X cardholders can earn 75,000 bonus miles by spending $4,000 on purchases within three months from account opening.

Capital One Venture vs. Venture X card overview

Both the Venture card and the Venture X card offer benefits designed to appeal to frequent travelers. Here’s a quick comparison of some of the cards’ key features:

	Venture View important rates and disclosures.	Venture X View important rates and disclosures.
Annual fee	$95	$395
Reward rates	Unlimited 2X miles on every purchase Unlimited 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel Unlimited 5X miles on Capital One Entertainment purchases¹	Unlimited 2X miles on every purchase Unlimited 5X miles on flights and vacation rentals booked through Capital One Travel Unlimited 10X miles on hotels and rental cars booked through Capital One Travel Unlimited 5X miles on Capital One Entertainment purchases¹
New cardholder offer	75,000 bonus miles if you spend $4,000 within the first three months²	75,000 bonus miles if you spend $4,000 within the first three months²
Annual benefits	None	$300 annual credit for bookings through Capital One Travel³ 10,000-mile anniversary bonus⁴
Annual percentage rate (APR)	Variable	Variable
Credit score level	Excellent	Excellent

Venture and Venture X shared benefits

No matter which card you choose, you’ll have access to the following benefits:

Global Entry or TSA PreCheck®

Venture and Venture X cardholders can receive up to a $120 credit for either Global Entry or TSA PreCheck® when you pay for the application fee with your Venture or Venture X card.⁵

Capital One Travel

Use Capital One Travel to book flights, vacation rentals, hotels and rental cars with confidence. Plus, earn elevated rewards when you book through Capital One Travel.

Venture cardholders earn unlimited 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel. Venture X cardholders earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and unlimited 5X miles on flights and vacation rentals booked through Capital One Travel.

Capital One Travel also helps cardholders:

Save an average of 15% on flights using price prediction, which alerts you when to book.
Add the option to cancel your flight for any reason or freeze a flight price for a small fee.
Book travel with your card or your rewards, or a combination of both.

Lifestyle Collection

Both Venture and Venture X cardholders can book stays at a curated collection of vibrant hotels and vacation rentals from the Lifestyle Collection. Each stay comes with a $50 credit and other premium benefits like room upgrades, early check-in and late checkout when available.⁶

Capital One Dining

With Capital One Dining, access prime-time tables at top-tier restaurants set aside just for customers and unlock insider access to extraordinary culinary experiences.

Capital One Entertainment

Just a few taps on the Capital One Entertainment platform can score exclusive tickets and VIP access to live music, sports, theater performances, special dining events and other unforgettable experiences. You can redeem your miles for tickets. Venture and Venture X cardholders can also earn 5X miles on Capital One Entertainment purchases.¹

Hertz status

Eligible Venture and Venture X cardholders qualify for complimentary status upgrades in the Hertz Gold Plus Rewards® car-rental loyalty program.

Eligible Venture X cardholders qualify for Hertz Gold Plus Rewards President’s Circle® status. And eligible Venture cardholders qualify for Hertz Gold Plus Rewards Five Star® status.⁷

No foreign transaction fees

You won’t have to pay foreign transaction fees when making purchases outside the United States. View important rates and disclosures.

Security and protection

With a Capital One travel card and network benefits, eligible cardholders may have access to things such as:

You’ll also have access to security features such as fraud alerts, card lock, $0 liability for unauthorized charges and virtual card numbers.^9,10

Venture X card exclusives

Venture X cardholders have access to even more perks and benefits than Venture cardholders, including:

Premier Collection

In addition to the Lifestyle Collection, Venture X cardholders can also book stays at luxury hotels, resorts and vacation rentals from the Premier Collection. This includes a $100 experience credit to use on every stay and other premium benefits like daily breakfast for two at hotels.¹¹

Airport lounge access

Venture X cardholders can get access to 1,300+ lounges worldwide, including Capital One Lounge locations and participating Priority Pass™ lounges, with luxurious amenities, food and beverages.¹²

PRIOR subscription

As a Venture X cardholder, you can get a complimentary PRIOR Subscription, which includes access to exclusive trips, editor-curated destination guides, weekly newsletters with up-to-the-minute travel trends and more.

The Cultivist membership

Eligible Venture X cardholders can enroll online with The Cultivist to receive 50% off an Enthusiast membership for up to two years. The offer is worth up to $440 and includes free entry for members and a guest to 60 of the world’s leading museums, including The Met and MoMA in New York.

How to apply for a Venture or Venture X card

Applying for a credit card online is usually the quickest option.

You can see if you’re pre-approved for the Venture or Venture X card before you apply. Pre-approval is quick and easy, and it won’t impact your credit score.

Can I upgrade from a Venture card to a Venture X card?

If you’ve had your Venture card for at least a year and are interested in elevated rewards and premium benefits, you may be able to upgrade to a Venture X card. If you’re a Capital One cardholder, you can sign in to your Capital One account to check for card offers.

Key takeaways: Venture vs. Venture X travel rewards credit cards

Whether you’re driving upstate or jet-setting across the globe, the Venture or Venture X card could make the journey more rewarding.

Deciding which travel credit card is best for you will depend on your personal preferences and what benefits appeal to you. The Venture card has a lower annual fee, but the Venture X card gives cardholders the most elevated travel rewards and benefits Capital One has to offer. View important rates and disclosures.

Footnotes

Learn more about FDIC insurance coverage.

¹To use the Capital One Entertainment ticketing platform, you must be a Capital One cardholder with an eligible rewards-earning credit card, in good standing; at least 18 years old; and either a primary account holder or an account manager for an eligible consumer credit card, or a primary account holder for an eligible small business credit card. Online account required; additional terms apply. For more information, please see Capital One Entertainment’s Terms of Use.

Through 12/31/25, eligible Venture X, Venture X Business, Venture and Spark 2X miles rewards cardholders will earn 5 miles per dollar spent on Capital One Entertainment purchases. Eligible Savor cardholders earn 8% cash back on Capital One Entertainment purchases subject to the terms previously disclosed.

Qualifying purchases include tickets purchased on the Capital One Entertainment ticketing platform only, paid for with an eligible card. Tickets purchased through the Capital One cardholder exclusive pre-sales page (www.capitalone.com/pre-sales); tickets purchased directly through the Capital One Hall or Capital One Arena ticketing services; and dining reservations or purchases through Capital One Dining are excluded. Your account must be open and in good standing to earn rewards and rewards earned will post to your account within 1-2 billing cycles. Rewards earned will be reclaimed if you cancel or return an eligible purchase, and the offer is valid for consumer, non-commercial use only. Rewards are subject to the terms and conditions disclosed when you opened your account and any subsequent amendments.

²Card offers with a cash or miles rewards bonus are available by selecting the offer on this page, and may not be available if you navigate away from or close this page. Existing or previous cardmembers are not eligible for this product if they have received a new cardmember bonus for this product in the past 48 months.

³Annually, eligible Venture X Rewards primary account holders will receive a $300 Capital One Travel credit (“Credit”) to use toward purchases made through Capital One Travel. Each annual Credit will expire on the next account open date anniversary. The Credit will be available within Capital One Travel and can be applied to purchases at checkout. The Credit may be used in whole for a single purchase or in part over multiple purchases. Rewards will not be earned on the Credit. If the purchase using the Credit is canceled, the Credit will be restored if it is not expired. An expired Credit will not be restored upon cancellation. A Venture X Rewards card account must be open and in good standing to receive or use the Credit.

⁴How does my anniversary bonus work? You will earn 10,000 bonus miles after your anniversary each year, starting with your first anniversary. Once you qualify for this bonus, we will apply it to your rewards balance.

⁵To receive a statement credit up to $120, you must use your Venture or Venture X card to either complete the Global Entry application and pay the current application fee, or complete the TSA PreCheck® application and pay the current application fee. Credit will appear within two billing cycles, and will apply to whichever program is applied for first. One statement credit per account every four years, and your account must be open and in good standing when the credit is applied. Fees charged to a VentureOne card are not eligible. Refer to the Application or Account Terms for additional details.

⁶Hotels: Lifestyle Collection hotel experience credit will be applied at checkout by hotel to qualifying charges up to $50 USD or the local currency equivalent. Qualifying charges vary by location, are subject to availability, and must be charged to your room during your eligible stay. Contact the hotel directly to confirm qualifying experiences - Advance reservations recommended for certain experiences.

In addition to the $50 experience credit, other benefits available to eligible cardholders for Lifestyle Collection hotel bookings include complimentary Wi-Fi, and (when available) room upgrades, early check-in and late checkout. Benefits applied per room, per stay. Hotel terms and conditions apply; a minimum number of nights may be required by the hotel for booking.

Vacation Rentals: Lifestyle Collection vacation rental experience credit will be applied at time of booking the experience by the host provider to qualifying experience charges up to $50 USD or the local currency equivalent. Experiences must be booked with a Capital One credit card. Qualifying experience credit options vary by location and are subject to availability. Contact the host provider directly to confirm qualifying experiences - advance reservations recommended for certain experiences. For certain properties, the experience credit will be provided in the form of a gift card.

In addition to the $50 experience credit, other benefits available to eligible cardholders for Lifestyle Collection vacation rental bookings include: complimentary Wi-Fi, and (when available) early check-in and late checkout. Benefits applied per stay. Back-to-back bookings of the same property within a 24-hour period will be considered one reservation and are not eligible for double benefits. Host provider terms and conditions apply; a minimum number of nights may be required by the host for booking.

Both Hotel and Vacation Rentals: Lifestyle Collection booking must be made through Capital One Travel in the eligible cardholder’s name, with the cardholder as a member of party traveling, to qualify for benefits. Benefits cannot be redeemed for cash or combined with other offers unless specified. Participating properties and benefits are subject to change. Offer not intended for commercial use unless otherwise permitted. We may disqualify any cardholder from participation and benefits at our sole discretion. Additional terms apply; see travel.capitalone.com/terms-of-service for details.

⁷Eligible cardholders must enroll through the unique Benefits Tab link found within the Capital One website or mobile app after logging in. Cardholders can find the link to enroll by visiting their eligible card’s Rewards tab or Capital One Travel Benefits tab and by clicking on the Hertz benefit tile. Upon doing so, a new webpage will open; there, Venture X and Venture X Business cardholders will be able to enroll directly in or request an upgrade to Hertz President’s Circle status and Venture, VentureOne, Savor, Savor Student, Quicksilver, Quicksilver Student, Spark Miles and Spark Miles Select cardholders will be able to enroll directly in or request an upgrade to Hertz Five Star status. Age restrictions apply. After successful registration, Hertz will process the request and status will be effective 24-72 hours after registration. Please note, enrolling through the normal Hertz Gold Plus Rewards enrollment process (e.g. enrolling directly 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. Cardholders must go through the above process to be successfully enrolled. Upon enrollment, eligible cardholders will remain at that status level through the duration of the offer, at which point they will be reverted to the level commensurate with Hertz standard usage policies. This offer is subject to change. Hertz rental policies and Hertz Gold Plus Rewards program terms apply.

⁸Terms apply. View your Visa or Mastercard Guide to Benefits for more details.

⁹Claims of unauthorized use are subject to verification and investigation.

¹⁰Some customers will not be eligible to access a virtual card. If you are eligible, you must verify your identity before accessing your virtual card. In some cases, you will not be able to access your virtual card until approximately 30 days after account opening, and you may not have access to your full credit line until your physical card is activated. Web access is needed to manage your virtual card number online or in the Mobile app. Virtual cards may not be accepted by all stores. Eligible customers can also use virtual cards through Google Pay or via the Eno browser extension. Virtual cards through Google Pay are currently available in Chrome for desktop computers (Mac, Windows and Linux), Chrome for Android, and via merchant apps running in the Android OS. Additional availability may be added in the future, including Chrome for iOS. The Eno extension is available only for certain web browsers and enrollment is required.

We hope you found this helpful. Our content is not intended to provide legal, investment or financial advice or to indicate that a particular Capital One product or service is available or right for you. For specific advice about your unique circumstances, consider talking with a qualified professional.

¹¹Hotels: Premier Collection hotel experience credit will be applied at checkout by hotel to qualifying charges up to $100 USD or the local currency equivalent. Qualifying charges vary by location, are subject to availability, and must be charged to your room during your eligible stay. Contact hotel directly to confirm qualifying experiences - advance reservations recommended for certain experiences.

In addition to the $100 experience credit, other benefits available to eligible cardholders for Premier Collection hotel bookings include: daily breakfast for two, complimentary Wi-Fi, and (when available) room upgrades, early check-in and late checkout. Benefits applied per room, per stay. Hotel terms and conditions apply; a minimum number of nights may be required by the hotel for booking.

Vacation Rentals: Premier Collection vacation rental experience credit will be applied at time of booking the experience by the host provider to qualifying experience charges up to $100 USD or the local currency equivalent. Experiences must be booked with a Capital One credit card. Qualifying experience credit options vary by location and are subject to availability. Contact the host provider directly to confirm qualifying experiences - advance reservations recommended for certain experiences. For certain properties, the experience credit will be provided in the form of a gift card.

In addition to the $100 experience credit, other benefits available to eligible cardholders for Premier Collection vacation rental bookings include: complimentary Wi-Fi, and (when available) early check-in and late checkout. Benefits applied per stay. Back-to-back bookings of the same property within a 24-hour period will be considered one reservation and are not eligible for double benefits. Host provider terms and conditions apply; a minimum number of nights may be required by the host for booking.

Both Hotel and Vacation Rentals: Premier Collection booking must be made through Capital One Travel in the eligible cardholder’s name, with the cardholder as a member of party traveling, to qualify for benefits. Benefits cannot be redeemed for cash or combined with other offers unless specified. Participating properties and benefits are subject to change. Offer not intended for commercial use unless otherwise permitted. We may disqualify any cardholder from participation and benefits at our sole discretion. Additional terms apply; see travel.capitalone.com/terms-of-service for details.

¹²To access Capital One Lounges, eligible cardholders must present their physical Venture X or Venture X Business card or digital lounge pass, found within the Capital One Mobile app. Access is not guaranteed and is subject to space availability. In order to access Priority Pass lounges, eligible cardholders will need to enroll after card activation. To learn more about lounge access policies, please visit the applicable Terms and Conditions for additional details.

Capital One Travel bookings include services such as price freeze, cancel your flight for any reason, price prediction, price watch, price drop protection, and price match guarantee. Additional fees may apply. The availability of these services varies by account and they may not be available on all bookings. Terms apply. See travel.capitalone.com/terms-of-service/ for details.

15% savings represents the average savings based on price prediction and booking recommendation for flights. Savings may vary. Terms apply.

We hope you found this helpful. Our content is not intended to provide legal, investment or financial advice or to indicate that a particular Capital One product or service is available or right for you. For specific advice about your unique circumstances, consider talking with a qualified professional.

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