How Does the Capital One Venture X Stack Up to Competitors?

With its longer checklist of perks — and a $395 annual charge — the brand new Capital One Enterprise X Rewards Credit score Card is taking a seat on the desk with different large gamers within the premium journey rewards bank card market. Right here’s what you’d get with this card:

Welcome provide and ongoing rewards:

• Earn 100,000 bonus miles once you spend $10,000 on purchases within the first 6 months from account opening, equal to $1,000 in journey.

• Earn 2 miles per greenback spent on purchases.

• Earn 5 miles per greenback on flights booked by Capital One Journey.

• Earn 10 miles per greenback on motels and rental vehicles booked by Capital One Journey.

• Earn 10,000 bonus miles each account anniversary (equal to $100 in direction of journey).

• As much as a $300 credit score yearly for bookings made on Capital One Journey.

• Main cardholders and approved customers get limitless entry to Capital One Lounges (together with 2 visitor passes). Additionally, cardholders, approved customers and friends can entry Precedence Move lounges worldwide.

• As much as $200 in assertion credit for trip rental purchases like Airbnb and Vrbo (for a restricted time).

• Entry to leisure, sports activities and eating occasions by the Capital One Experiences program.

• Complimentary Hertz President’s Circle standing.

Redeem miles towards Capital One Journey bookings, or towards latest journey purchases, at a price of 1 cent per mile. It’s also possible to switch miles to associate airline and resort loyalty applications.

That’s a considerable improve in advantages in comparison with the Capital One Enterprise Rewards Credit score Card, although that card prices a extra modest $95 annual charge. Right here’s how the Capital One Enterprise X Rewards Credit score Card compares to different playing cards in its league.

» MORE: Full evaluate of the Capital One Enterprise X

• Earn 5 factors per greenback on flights bought by Chase Final Rewards®.

• Earn 10 factors per greenback on motels, automotive leases and Chase Eating purchases by Chase Final Rewards®.

• Earn 3 factors per greenback on different journey purchases, eating takeout and eligible meals supply companies

• Earn 1 level per greenback on all different purchases.

• ​​By March 2022: 10 factors per $1 spent on Lyft (7 factors per greenback spent on Lyft, plus 3 factors per greenback spent on journey).

• You don’t earn factors on journey purchases till you obtain the complete $300 journey assertion credit score.

• $300 in assertion credit mechanically utilized to journey purchases, which embody airways, motels, timeshares, automotive leases, cruises, journey businesses, low cost journey websites, campgrounds, trains, buses, taxis, limousines, ferries, toll bridges and highways, and parking tons and garages.

• Switch factors to airline and resort companions at a 1:1 worth.

• As much as $100 in assertion credit towards the price of TSA PreCheck or World Entry.

• Complimentary Lyft Pink membership for one 12 months once you or a certified consumer prompts the profit by March 31, 2022.

• Complimentary Precedence Move Choose airport lounge membership. Chase Sapphire airport lounges are within the works, too.

• Journey delay reimbursement.

• Journey cancellation or interruption insurance coverage.

Signal-up bonus: Earn 50,000 bonus factors after you spend $4,000 on purchases within the first 3 months from account opening. That is $750 towards journey once you redeem by Chase Final Rewards®.

APR: The continuing APR is 16.99%-23.99% Variable APR.

The way it compares with the Capital One Enterprise X Rewards Credit score Card: The Chase Sapphire Reserve® presents an extended checklist of extras that assist offset the $550 annual charge. It additionally has two distinct benefits: Factors are value 50% extra (1.5 cents every) once you redeem them for journey by Chase, and the annual journey assertion credit score isn’t restricted to journey booked a sure manner. For those who carry different playing cards that earn Chase Final Rewards factors, just like the Chase Freedom Flex℠, you possibly can switch these factors to your Chase Sapphire Reserve® to get the upper redemption fee for journey.

• Earn 5 Membership Rewards factors per greenback spent on flights booked instantly with airways or with American Specific Journey.

• Earn 5 factors per greenback on pay as you go motels booked with American Specific Journey.

• Earn 2 factors per greenback on different eligible journey bills booked with American Specific Journey.

• Earn 1 level per greenback on all different purchases.

• $200 annual assertion credit score for airline incidental charges for a single airline you select once you enroll; you possibly can change airways yearly.

• $200 annual assertion credit score for pay as you go Fantastic Accommodations and Resorts® and The Lodge Assortment® bookings by American Specific Journey.

• $200 a 12 months for Uber, issued as month-to-month credit once you enroll: $15 every month and $35 in December. Credit are good for rides or Uber Eats orders within the U.S.

• As much as $100 in assertion credit for World Entry or TSA PreCheck. Enrollment required.

• $179 annual assertion credit score for Clear once you enroll.

• $155 annual assertion credit score for Walmart+ within the type of $12.95 every month.

• $300 annual assertion credit score towards choose month-to-month Equinox memberships or Equinox+ — $25 monthly. Enrollment required.

• $240 annual digital leisure credit score once you enroll — as much as $20 again monthly — towards Peacock, The New York Occasions, Audible or SiriusXM subscriptions.

• $100 annual assertion credit score for Saks Fifth Avenue or saks.com purchases — as much as $50 on a semi-annual foundation. Enrollment required.

• E book a keep of no less than two nights at choose The Lodge Assortment® properties and you will get an automated improve, if obtainable, and a $100 credit score for eating, spa, resort or different actions on the resort.

• E book a keep at a Fantastic Accommodations and Resorts® location and get automated room upgrades, if obtainable, early check-in, late checkout, complimentary breakfast, free Wi-Fi and facilities distinctive to every property.

• Get particular entry to reservations and occasions by World Eating Entry by Resy once you add your card to your Resy profile.

Welcome bonus: Earn 100,000 Membership Rewards® Factors after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership. Phrases Apply.

APR: See Pay Over Time APR.

The way it compares with the Capital One Enterprise X Rewards Credit score Card: As the huge checklist above makes clear, The Platinum Card® from American Specific (see charges and charges) throws every part however the kitchen sink at cardholders, which actually helps make up for that hefty annual charge. However these assertion credit don’t precisely prevent cash; they merely shave a small quantity off the price of luxurious items and companies. For those who’re a frequent traveler who prefers high-end experiences, nevertheless, The Platinum Card® from American Specific delivers. One draw back to notice is that reserving pay as you go motels with Membership Rewards factors on American Specific Journey yields a price of 0.7 cents per level, in comparison with the 1 cent per level you’d get reserving a resort with Capital One miles by Capital One Journey.

• Earn 5 factors per greenback on pay as you go motels and automotive leases booked instantly within the Altitude Rewards Middle.

• Earn 3 factors per greenback on eligible journey purchases and cell pockets spending.

• Earn 1 level per greenback on all different purchases.

• $325 annual assertion credit score towards journey and eating, together with takeout and meals supply.

• As much as $100 in assertion credit towards TSA PreCheck or World Entry.

• Complimentary Precedence Move Choose airport lounge membership.

Signal-up bonus: Earn an enrollment bonus of fifty,000 factors value $750 on journey. Simply spend $4,500 within the first 90 days of account opening.

APR: The continuing APR is 16.99% – 23.99% Variable APR.

The way it compares with the Capital One Enterprise X Rewards Credit score Card: The $400 annual charge is offset by a extra versatile annual assertion credit score protecting each journey and eating purchases, with no requirement to e-book journey by a particular portal. Plus, factors are value 1.5 cents every when redeemed for journey by U.S. Financial institution. (Different redemption choices can be found, together with assertion credit, reward playing cards and merchandise, at decrease charges.) Cellular pockets spending is a notable bonus class, permitting any type of buy to earn 3 factors per greenback, offered the service provider accepts cell wallets. Nevertheless, the U.S. Financial institution Altitude™ Reserve Visa Infinite® Card has one main limitation not seen on any of the opposite playing cards listed right here: To qualify for the cardboard, it’s essential to have an present U.S. Checking account open for no less than 5 enterprise days earlier than making use of. Eligible accounts embody checking or financial savings, certificates of deposit, mortgage, choose mortgage merchandise or one other U.S. Financial institution bank card.