Capital One Venture vs. Venture X (Full Comparison)
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- Опубликовано: 28 авг 2024
- The Capital One Venture and the Capital One Venture X are 2 travel credit cards that are VERY similar, but their differences DO make a big difference! Learn who should consider these cards. Click “Show More” to see Ad Disclosure.
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Both of Capital One’s Venture cards are great in that they offer flexible rewards without a lot of complication. The rewards and benefits are straightforward and easy to put to use each year.
However, ever since the Capital One Venture X was released in November 2021, a lot of people noted how similar it was to the older Venture Rewards card. The ‘X’ had a bigger annual fee of $395 and some extra benefits, but once you use them, the stripped down ‘X’ ended up looking quite similar to the regular Venture. That said, the smaller differences in the rewards earning rates and level of benefits (plus their access privileges) DO make a difference, so let’s compare them!
In general, I’d say that the Capital One Venture Rewards card is best for people who:
- Want an effortless ‘catch all’ credit card for travel.
- Will book flights / hotels / cars thru the Capital One Travel portal.
- Want to earn rewards without managing benefits.
- Have lounge access via a different card (or don’t care about it).
I’d then say that the Capital One Venture X card is best for people who:
- Want a ‘catch all’ credit card for travel w/ extra benefits.
- Will book flights / hotels / cars thru the Capital One Travel portal.
- Want a higher point earning rate.
- Want airport lounge access.
- Want to share benefits with others as Authorized Users.
- Capital One Lounge, Priority Pass, insurance protections, etc.
- Want cell phone protection.
That said, you should probably AVOID both credit cards if you…
- Don’t travel much (these are travel credit cards after all).
- Want to earn cash back rewards (the redemption rates for cash back are really bad, plus you have annual fees you’ll need to deal with).
- Aren’t willing to pay an annual fee (there are tons of great cash back credit cards without annual fees).
- Are focused on earning elite status with hotel chains and/or rental car companies (usually hotels or rental car companies will not honor elite benefits or allow you to earn elite credits when booking through portals).
- Prefer to book travel directly or outside of a bank portal (better customer service, plus the ability to earn status and have it recognized for hotels and rental cars. This does not apply to airline bookings as you can still earn elite status using portals).
The Capital One Venture X authorized user benefits are perhaps one of the biggest differentiators. Although we will not be covering them in detail in this overall comparison video, it could make for a good secondary video in the future.
Disclosure: This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor.
#creditcards #capitalone #travelcreditcards
⚠ *UPDATE 4.16.2024:* The Capital One Venture ($95 AF) has switch from Visa to Mastercard, which affects some of the insurance coverages. Learn more here: upgradedpoints.com/news/capital-one-venture-card-new-payment-networks/
⚠ *UPDATE 12.12.2023:* Effective January 1, 2025, Capital One Venture Rewards ($95 AF) and Spark Miles Cardholders will no longer receive 2 complimentary lounge visits per year the Capital One Lounge or Plaza Premium Lounge networks. Cardholders can still enter at a discounted rate of $45 per person.
⚠ *UPDATE:* (a) Effective 1.01.2023, the Venture X's Priority Pass membership will no longer allow access to restaurant, spa, or retail locations. (b) Per TPG, the Venture X does not have a limit to the # of guests you can bring into Priority Pass lounges. Source: thepointsguy.com/guide/venture-x-unlimited-guests-priority-pass/
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do they still have partnership with turo?
@@ladygadventures4144 - No that ended.
@@MarkReese thank you. I like turo 😞
I dont care for capital one but have a positive comment for the youtube algorithm. Thanks Mark
Thanks Aaron! 🏆
“Social credit score going up!” 😂
It's the Venture for me. The $300 Travel Credit is spoiled by being limited to the Travel Portal for the Venture X. My principle for traveling is to always book direct. If I'm gonna travel, I want the least headache possible for booking.
Good reason!
Same here. I don't like to go through 3rd parties. Give me the source
Hello Mark!
A week ago I was targeted for a 100k points after spending 10k in 6 months offer for the Venture card. Since this was an elevated offer I immediately applied.
Previously I planned to get the Venture X since it is a no brainer from a credit standpoint. Nonetheless, I already have priority pass as a authorized user in a CSR account (which I’m looking to eventually get off from but are in no rush). I’ll probably apply for the Venture X after 6 months and eventually downgrade the Venture card to a no AF card. At least I’ll get to use my two plaza premium lounges visits with the Venture card in the meantime.
Great vid as always!
Congrats on the approval for the Venture! Nice offer 🏆
Venture X is a no-brainer IMO. So easy to recoup the AF + take advantage of travel perks. Thanks for the comparison info + video!
🏆✈
Got the Venture X about a month ago before some upcoming travel. Already have my $300 credit and love the lounge access to save $$$ on overpriced airport food and beer haha. Emphasize to pay these things off in full each month!
Congrats on the approval, Pat! ✈ Enjoy it. Agreed on paying in full every month 💯
The Venture X is starting to grow on me. I don’t bank with Capital One, but if I did, this would be the first product I’d get from them, if they didn’t deny me, hah! Great comparison video Mark 👍!
Haha fair enough!
Do you use both on online and typical brick-and mortar
I got the X card in March, been very impressed with the affiliate partners for the capital one credits. Have found many merchants that we would use for normal spend and getting 5-12% back on many purchases there.
Great to hear you're enjoying it! 💯
Thank you for the detailed explanation! I just got approved for the Venture Rewards as my 2nd card and plan to use some of that SUB for my flight to and from a cruise coming up this year!!
Congrats on the approval!
My credit car setup is: Discover it, Blue cash Preferred, Hilton Surpass, and Venture X.
Nice card setup!
Yea i got the venture x and will use it for 2 months to pay my rent, sure there's a 2.5% fee using it in my property's portal but I see it worth it if only use it for 2 months to maximize the sign up bonus rewards. thanks for the video
Congrats on the approval, Chris!
Great vid Mark And I love how thorough your comparison was of the 2 cards..
Thanks, glad it was helpful! 👍
Thank you for this amazing video Mark! The Venture X has to be one of the best Top-tier cards this year & it’s a must honestly. I literally just applied & I made a video over it that’ll come out this upcoming week with the results 😁. Thank you for all your knowledge Mark!
Welcome to Team Venture X, Edras! ✈
I just got approved Venture X Credit limit 10k
Thanks for the informative video Mark!
Venture X’s $300 travel portal credit becomes even more valuable and useful if you can use it towards a Premier Collection booking.
Glad you enjoyed it!
Team Venture X. Looking forward to the new C1 Airport Lounge at my home airport (IAD) in 2023. The Beauty about this new lounge is that it will be located in the main airport terminal so it is very convenient location. This mean that I most probably be taking the Shuttle or train to my departure gate already drunk 😵💫. Cheers 🍻
Countdown underway! ⏰
Same. Iad is my home airport as well. The Priority pass lounges get super congested there. It's nice having access to the Virgin Atlantic lounge but that's a usually a train ride across the airport for me. Will be nice having the cap1 lounge there.
@@Al3xTrucho20 yes, the Priority Pass lounges are a hit or miss. I visited the Virgin Atlantic Lounge last month and it was very peaceful and quiet. Cheers brother 🍻!!!
Great vid as usual. I almost held out for the Venture X, but then I got the highest offer for the Amex Platinum. I'd love to do a video discussing where I'm at in the CC game, and my plans for the future.
Awesome! 💯
Thank you Mark for putting this video up. It was very helpful and informative.
You got it, Vishwajeet!
I absolutely hate capital one changing their cards to Mastercard. I have to cancel mine.
talk about covering EVERY base! all questions answered. thanks.
🏆
I just feel the Venture X is the card to have. Great video
It definitely can be! ✈️
Thanks Mark. It's all about the credits and whether or not you think you can use them with the Venture-X.
Yep! ✈
I've heard this card is difficult to get approval. I make 90k + ~740 credit score. Would love some feedback from people who've applied and either been denied or approved! Just don't want to take the hard inquiry hit if I won't get approved :/
If you're referring to the Venture X, there isn't a way to guarantee an approval that I'm aware of.
I have an 810 credit score and 5 credit cards which I pay off every month. I was denied venture x last week due to " too many open lines of revolving credit" I called the reconsideration line and the rep said all he could do was push a button for the algorithm to reprocess, same result. Wife and I are blocked from further Amex bonuses Any ideas for a card with points that will transfer to virgin?
Check out the Citi Premier Card.
Mark, really appreciate your content! What is most efficient way to utilize Venture X, Savor One and Delta Amex Platinum together? New to CC rewards, multiple annual trips to Europe ahead, Delta is preferred airline but I always price shop before booking. Thanks!
Hi Marcelle - Use the Capital One cards for the purchases where they give the highest reward rate. Those are the 2 cards to spend on. I wouldn't use the Delta card at all; just keep it open for the perks / benefits. The exception to that would be spending towards elite status to earn MQMs, but only if you value that.
wonder if it is easier to get the reward and then upgrade to the venture x vs getting venture x directly
Not sure.
There seem to of been a window of opportunity for gamers to get this card, I remember you applying and I should of followed suit since I got denied 2 months ago for the CAP1X. To be honest, I have been concentrating on getting MR/UR points as my main plan, so it's not really a lost, except for bragging rights, I need to get that card.
MR/UR points rock 🏆
Will you do a review of the capital One Ventureone card? It seems like it's not discussed much.
Perhaps at some point.
Niether are good cards to me based off my crazy setup. But if i had to choose, i would go with the cheaper version then downgrade after year one to a free card. VX isnt as good as people want u to believe
Haha enjoy that crazy setup! 👊
Instead of getting National Executive status you can just get the hertz presidents circle then status match and get National executive elite
Nice, I haven't tried a match!
I haven't watched yet but I will be tonight. Does the priority pass on the VX include restaurants like the CSR? Not sure if you talked about it in the video.
+1 algorithm comment
Edit: you did and it does. Great video Mark! My next card is either going to be the VX, amex gold or amex platinum, depending if I will eventually benefit from the platinum credits and benefits.
3 great cards to choose from! 💳
at 13:56 You said the Venture card can earn elevated point when booking flight throught the portal. Is it correct. I thought it only work on hotel and car rental. Please clarify
I misspoke. It's only for car rentals & hotels, not flights.
I got a venture x. Got locked on the first day for security. The wanted a utility bill , dl and an original ss card picture taken with my phone. I was traveling for work for a few months. I sent utility bill, password, military ID, dl and a picture of my ss card that I had a family member sent me. They told me they couldn't verify it and closed my account after charging me the 400 annual fee. The card was active for 30 minutes. I have 4 other capital one cards. The biggest scam I've ever seen a large company due. When I got home I sent them the ss card picture with my phone. The told me to reapply and repay the annual fee I paid earlier.
Wow that's insane. I haven't heard of anything like that before. Sorry to hear about such a bad experience.
I currently have the venture one. I originally wanted the venture card. I had my venture one card for 6 months. Should I apply for the venture card now and upgrade my current venture one card to the savor one? Or should I apply for the savor one and keep my venture one ?
Totally up to you 👍 FYI I haven't seen the option to change from a Venture-branded card to a Savor-branded card. Do you see that option on your account?
@@MarkReese yes my account gives me that option right now. The upgrade is between the quick silver or savor one… in addition I just applied for the venture card 15 minutes ago and I was APPROVED ! So now does it make sense to upgrade the venture one the savor one and combine that with the venture card? Or keep 2 travel cards ? In your opinion
@@thehigherupz2259 - BOOM! Congrats! 💥 I'd personally change the VentureOne to the SavorOne; those 2 work great together if the goal is to earn Venture miles. Awesome that you had the option!
@@MarkReese thank you for all of your input! Love the content as well. I think I may go with that set up .
Will you get any benefits for booking FLIGHTS through the travel portal with the regular Venture card?
- No benefits from Capital One.
- You'll earn 2X miles.
- You can also add your loyalty # for the corresponding airline to the reservation to earn miles & status credits in that airline program.
would you do a comparison or a vs wells fargo autograph or the US Bank altitude go?
Perhaps at some point!
The way you rated the intro fee page was dishonest. You cannot retroactively say that the X is the same once you factor in the latter benefits. Based on the content of that one page the edge should have gone to the card without the X.
Thanks for the feedback, B. Rad! 👊
Great video I have the Capital One Venture X and I was looking at the Capital one savior 1 to build my trifecta however it looks like it is a cash back card and I am looking for points. Question in your professional opinion should I grab the Capital One Venture for the points or is there another one out there so I start my trifecta. Thank you
You can transfer your savor 1 rewards to miles for the VX at 1c pp, I do this with my S1/VX.
You can convert cash back earned on the C1 SavorOne into miles with the Venture X 😃✈️
I just came back from a trip (oversea) and book 2 hotels stay thru cap1 travel portal but somehow I can not use the $300 travel credit. Mark do you know why? Is it only for airlines?
What do you mean by 'can not use the $300 travel credit?' What happened?
hi Mark, if you are not an existing Capital One customer, how can you get a targeted offer?
I'm not aware of any ways to force being targeted.
Ima go for the Venture and then downgrade it. Paying $95 for 2% cash back card sounds a bit wild
Just don't actually redeem for cash back 😁
Hi Mark,
Did you received a welcome bonus on both card? Currently I have the Venture one, and I want to try to get the bonuses on both Venture and X. So I plan on getting the Venture soon and then apply for the X maybe 6 months to a year later. Is it worth the trouble? Or should I just go straight for the Venture X.
Yes, I got the bonus on both cards. Doesn't matter which one(s) you get first.
Is it worth getting the venture first and then the venture x later? Just to get both SUBs
As long as you can make sense of it, sure!
How long should I wait for venture card upgrade? I just completed the $10,000 = 100,000 miles sign up bonus.
1 full year.
Can i use the Quicksilver or the savior one with the venture cards, or its that just for the venture X?
You sure can!
I recently booked a flight through capital one travel portal. I had to add the trip delay and other insurances. If I know flights offer these same insurances if you pay for it. My question is, if I didn't pay for it during my booking, would the card just have given it to me anyway??
I haven't compared the fine print, so I'm not sure. Best to compare what they specifically cover to see if one cancels the other out.
@@MarkReese I'm not trying to double dip. Sorry if my rambling wasn't clear. Let me rephrase: do you have to sign up for insurance or is just given by the card??
@@blakinsideandout - As long as the level of coverage provided by the credit card is to your liking, then you do not need to purchase additional coverage. Just purchase the flight with the card and you're good to go 👍
@@MarkReese that's what I needed to know. Thanks. I was going to rephrase it again and make it analogous with the primary rental car insurance lol
Does anyone know if Capital one approves cards without paystubs if you've never had a card with them before? I have a 800 credit score and never carry a balance, which I've heard Capital One don't like.
It's possible. I have several Capital One cards and didn't have to provide paystubs for any of them.
@@MarkReese cheers, Mark. Appreciate your help.
Hi Mark I just received the Venture Rewards Card. How long before I can upgrade to the Venture X. TY
1. Typically a 1-year wait period is required.
2. I personally wouldn't upgrade because then you wouldn't get the Venture X bonus. Better to apply for each card individually to get both bonuses. However, if you'd rather avoid hard pulls & avoid opening a new account, then upgrading can still make sense.
@@MarkReese thank you Sir. You have a great, informative and classy channel
Where can I find info on the avis and national benefit for the VX? I have one and have never heard of those.
Here's a link with more info from the Visa Infinite side: usa.visa.com/supporting-info/infinite-car-rental.html
So I'm hearing "get the Venture, collect the sub and use it for one year until you apply for the X", correct?
You can do it that way.
@@MarkReese just watched your Pre Check/Clear/Global Entry. That settles it, get Venture, collect sub, get Pre Check or Global paid for, move on to the X in a year or 2
@@Adiscretefirm - Solid plan ✈ Plenty of miles to use + efficiency in the airport!
Great video!
Thanks Rushabh!
Very informative. Ways to meet the 4K expenses? C1 is visa and Plastiq is limited to pay things like a mortgage that can help you meet the minimum expenses. Any suggestions?
Here's a link to an article you may find helpful: millionmilesecrets.com/guides/how-to-meet-credit-card-minimum-spend/
can we get hold both cards at the same time unlike chase Saphire?
Yes 👍
Last month c1 send me $100 hotel credit for my venture reward to use on their portal, expire OCt 2023. I was planning on canceling this card because of $95 af which it has no credits or annual miles, just 2 visit at c1 lounge.
I hope they send me that $100 hotel credit every year lol
Otherwise i will cancel it
Nice surprise! ✈️
I applied for venture X and denied for some wierd reason, I already have chase freedom flex and saphhire preferred, had 750+ score, length of credit is 1 year 8 months. Reason was length of stay and too many credit cards in last year ( just 2)
Is there any reconsideration line for Capital one ? I dint read any online good things about reconsideration
Bummer. Here's a link to an article by TPG with the Capital One number on it: thepointsguy.com/guide/your-guide-to-calling-a-credit-card-reconsideration-line/
I don’t see the point of the regular venture. Per the video it’s a travel card that’s great for ppl who want an effortless setup and use the portal. The thing is if they use the portal the VX is effortless. They will get the credit in a portal booking. I mean they can ignore the other card benefits if they want. If they don’t want to use the portal and want easy why not run a 2% card from Citi or Wells Fargo?
Totally get what you're saying 👍 I'd like to see the 2 cards have a greater difference.
Would it be better to book flights outside the portal then offset it after purchase via statement credit as you said
vs
booking at the portal and earning 5x for flights?
With the Venture X, if you book outside the portal, you'll earn 2X. If you book within the portal, you'll earn 5X. You can then still offset the purchase later even after booking via the portal. Miles don't have to be redeemed during the booking process.
Venture x is a game changer.
Great card 🏆
Miles to redeem apply to any flight company?
When redeeming them as a statement credit against a flight you charged to the card, yes, any airline ticket is valid.
When redeeming via transfer partners, not all airlines will be eligible, but there is a greater potential for higher value.
Venture One = $95 AF
Venture X = -$5 AF
most people will choose Venture X
“Most people” who choose to think about it 😁
To start off with...
Venture X s just a really cool name! 😎
I mean, just think how sexy you can say that... "Venture X!"
It might replace 007 as the name of the top MI6 agent 😎
But don't abbreviate it.
VX is a deadly nerve gas 😱😱😱😂😂😂
😄👍
Could get the Venture just for the intro bonus
Indeed ✈
Nice vid
Thanks!
They may both be 17g but the VX is definitely the heavyweight!
🏆💳🏆
Maybe I can have a capital one trifecta😅
Maybe so! 😁
To be honest .... unless you have a family the Venture Card will be fine.
It's a good option 👍 Still depends how much you (individually) value lounge access if you don't have a family (e.g. business travelers, solo travelers). Same with benefits like rental car elite status, etc.
👍🏻
💥
One of the worst credit card DO NOT GET IT!!!!!!!!!!!!!!!!!!!!!!!!!!
Hey MrLab2004cali - why don't you like the Venture cards?