Venture vs. Venture X cards comparison

April 2, 2026|7 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 flights, hotels, vacation rentals, rental cars, activities, gift cards, cash 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, rental cars and activities 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, vacation rentals and activities 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 of opening an account.

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 the cards’ key features and differences:

	Venture View important rates and disclosures.	Venture X View important rates and disclosures.
Annual fee	$95	$395
Reward rates	2X miles on every purchase 5X miles on hotels, vacation rentals, rental cars and activities booked through Capital One Travel 5X miles on Capital One Entertainment purchases	2X miles on every purchase 5X miles on flights, vacation rentals and activities booked through Capital One Travel 10X miles on hotels and rental cars booked through Capital One Travel 5X miles on Capital One Entertainment purchases
New cardholder offer	75,000 bonus miles if you spend $4,000 on purchases within the first three months of opening an account	75,000 bonus miles if you spend $4,000 on purchases within three months of opening an account
Annual benefits	None	$300 annual credit for bookings through Capital One Travel 10,000-mile anniversary bonus
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 they pay for the application fee with their eligible Venture or Venture X card.

Capital One Travel

Use Capital One Travel to earn elevated rewards and book flights, vacation rentals, hotels, rental cars and activities with confidence. Capital One Travel 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 for a 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 experience credit and other premium benefits like hotel room upgrades, early check-in and late checkout when available.

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 earn 5X miles through Capital One Entertainment.

Hertz status

Eligible Venture and Venture X cardholders qualify for complimentary status upgrades in the Hertz® Gold+™ loyalty program. Venture X cardholders qualify for President’s Circle® status. And eligible Venture cardholders qualify for Five Star® status.

No foreign transaction fees

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

Security and protection

Eligible Capital One cardholders may have access to:

Travel accident insurance
Auto rental collision coverage
Emergency card replacement
Security features such as fraud alerts, card lock, $0 liability for unauthorized charges and virtual card numbers

Venture X card exclusives

Venture X cardholders have access to elevated benefits, including:

Premier Collection

In addition to the Lifestyle Collection, Venture X cardholders can book stays at luxury hotels, resorts and vacation rentals from the Premier Collection. Bookings include a $100 experience credit and other premium benefits like daily breakfast for two at hotels.

Airport lounge access

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

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 more than 80 of the world’s leading museums, including The Met and MoMA in New York.

Should I get a Venture or Venture X card?

Which travel credit card is best for you depends 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.

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 a 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: Capital One Venture vs. Venture X

Whether you’re driving upstate or jet-setting across the globe, the Venture or Venture X card could make the journey more rewarding. Compare Capital One travel rewards credit cards to find the one that’s right for you.

Footnotes

Learn more about FDIC insurance coverage.

Claims of unauthorized use and liability for unauthorized charges are subject to investigation and verification.

Annually, eligible Venture X 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 card account must be open and in good standing to receive or use the Credit.

To receive a statement credit up to $120, you must use your Venture, Venture X, Venture X Business, Spark Miles, or Venture Business card to pay the application fee for either Global Entry or TSA PreCheck®. One statement credit will be processed per account every 4 years, and the credit will apply to the application fee that is charged to your card first. The statement credit will be posted to your account within 2 billing cycles of the fee being charged. Your eligible card must be open and in good standing at the time of statement credit fulfillment. Refer to the Application or Account Terms for additional details.

Premier Collection
Hotels: 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 Hotels 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.

Lifestyle Collection
Hotels: 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 hotels 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.

Eligible cardholders must enroll in the Hertz® Gold+™ status upgrade 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,Spark Miles Select, Venture Business and VentureOne Business 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+ 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 Gold Terms and Rental Qualifications and Requirements apply.

Some 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. Virtual cards are not available for debit cards and some credit cards.

To 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. 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 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.

Capital One Entertainment ticketing platform: To use the Capital One Entertainment ticketing platform experience, 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. Eligible cards include US-issued, Capital One branded rewards-earning consumer and small business credit cards. Capital One debit cards, private label retail credit cards, and co-brand partner cards are not eligible for the Capital One Entertainment ticketing platform. Capital One online account required; additional terms apply. Please see the Capital One Entertainment ticketing platform’s Terms of Use for more information about ticketing policies and terms and conditions.

Capital One Cardholder Pre-sales: Capital One cardholder ticket and event offers are open to Capital One cardholders with an eligible credit card, as well as eligible Capital One debit cards and co-brand partner cards. Capital One private label retail credit cards are not eligible.

The number of tickets you may purchase for an event may be limited. Some events may have age restrictions and some offerings may have an additional cost or be available on a first-come, first-served basis while supplies last. By clicking on the links above, you may be taken to a site maintained by a third-party.

Eligible Quicksilver, QuicksilverOne, Quicksilver Secured, Quicksilver Student, Journey, Capital One Cash, Spark Cash Select, Spark Classic, Spark Cash, Spark Pro, Spark Cash Plus and Spark Business cardholders will earn 5% cash back on Capital One Entertainment purchases. Eligible Venture X, Venture, VentureOne, Capital One Miles, Venture X Business, Venture Business, VentureOne Business, Spark Miles and Spark Miles Select cardholders will earn 5 miles per dollar spent on Capital One Entertainment purchases.

The 8% cash back on Capital One Entertainment purchases includes tickets purchased directly through the Capital One Entertainment ticketing platform only, paid for with an eligible Capital One Savor card. The 8% excludes: (i) tickets purchased through Capital One cardholder exclusive pre-sales; and (ii) tickets purchased directly through the Capital One Hall or Capital One Arena ticketing services. Your account must be open and in good standing to earn cash back and cash back earned will post to your account within 1-2 billing cycles. Cash back earned will be reclaimed if you cancel or return an eligible purchase, and the offer is valid for consumer, non-commercial use only. Cash back rewards are subject to the terms and conditions disclosed when you opened your account and any subsequent amendments. Online account required.

PRIOR Subscription: Eligible Venture X cardholders who complete the required steps to enroll will receive a complimentary PRIOR Subscription through 11/30/26. The discount cannot be applied to subscriptions purchased before 11/15/2022. This offer may not be combined with other offers or discounts. Your account must be open and in good standing to be eligible for this offer. If your account closes, or if you upgrade or change your account to another Capital One credit card, you may not be eligible for this offer. If your subscription terminates prior to the end of the subscription period, any discounts or other benefits made available through this offer will end. This offer is non-transferrable. We reserve the right to alter, change or terminate this offer at any time, and we reserve the right to disqualify any account holder from this offer without notice in the event of fraud or suspected fraud, abuse of program privileges, or violation of these terms as determined at our discretion. Additional terms apply.

Cardholder Events and Experiences: Eligible Venture X cardholders have early access to cardholder-exclusive PRIOR events and experiences. The number of tickets available for an event or experience may be limited, and are offered while supplies last. Additional costs may apply. Events and experiences are intended for guests over the age of 18. If consuming alcohol, guests will need valid proof of identification and are encouraged to drink responsibly. Event locations, dates and times are subject to change. Your account must be open and in good standing to be eligible for this offer. COVID-19 rules or restrictions may apply. Cardholder-exclusive PRIOR events and experiences are subject to PRIOR Terms of Service and Capital One Entertainment Terms of Use.

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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