Decision tool
Compare cards
Two cards, one screen, published facts only. What each one costs, what it earns and where the caps bite — plus who it genuinely doesn't suit, which is the part the comparison sites leave out.
Capital One VentureCapital One Venture X
Capital One Venture
Capital One
Capital One Venture X
Capital One
Annual fee
$95
$395
Earns into
Capital One miles
Capital One miles
Card type
Personal
Personal
Restaurants
2x points
2x points
Groceries
2x points
2x points
Flights
2x points
5x pointsBooked through Capital One Travel
Hotels
2x points
2x points
Travel portal
5x pointsHotels and rental cars booked through Capital One Travel
10x pointsHotels and rental cars booked through Capital One Travel
Everything else
2x points
2x points
Who it fits
Travellers who want one card, one rate, and no tracking.
Travellers who want lounge access and a flat earn rate without tracking monthly credits.
Who it doesn't
Category optimisers who'd out-earn a flat rate with two no-fee cards.
People who need a specific airline's lounges or elite status.
Last documented change
Nothing documented
August 11, 2026Lounge access came under the same crowding pressure as the rest of the tier
What's the answer?
A table can show you the rates. It can't tell you which one is right for the way you actually spend — and it deliberately doesn't price a point, because that number is an opinion.