Bank of America Travel Rewards credit card vs. Capital One Venture X Rewards Credit Card
On the criteria below, Capital One Venture X Rewards Credit Card wins 4 of 5. The verdict depends on which criteria matter to you.
Bank of America Travel Rewards credit card
Bank of America
Capital One Venture X Rewards Credit Card
Capital One
Capital One Venture X Rewards Credit Card wins 4 of 5 criteria here, making it the stronger all-rounder.
Bank of America Travel Rewards credit card wins on annual fee; Capital One Venture X Rewards Credit Card wins on first-year math, earning ceiling, lounge access, and travel insurance.
Pick the Capital One Venture X Rewards Credit Card if year-one math is your priority; take the Bank of America Travel Rewards credit card if you want a cheaper card to keep long-term.
Who wins what
1 vs 4- First-year math Capital One Venture X Rewards Credit Card
Capital One Venture X Rewards Credit Card wins on bonus value minus annual fee.
- Annual fee Bank of America Travel Rewards credit card
Bank of America Travel Rewards credit card is $395 cheaper to keep.
- Earning ceiling Capital One Venture X Rewards Credit Card
Capital One Venture X Rewards Credit Card earns more on its best category (10× vs 3×).
- Lounge access Capital One Venture X Rewards Credit Card
Capital One Venture X Rewards Credit Card includes lounge access; the other doesn't.
- Travel insurance Capital One Venture X Rewards Credit Card
Capital One Venture X Rewards Credit Card carries built-in travel insurance.
By the numbers
- Annual fee
- Free
- $395
- Welcome offer (typical value)
- —
- $1,125
- First-year net
- +$0
- +$730
- Peak earning rate
- 3×
- 10×
- Top categories
- Travel
- Flights Via Portal, Hotels Via Portal
- Lounge access
- No
- capital-one-lounge, priority-pass
- Travel insurance
- No
- Yes
- Elite status
- No
- Yes
- Foreign transaction fee
- None
- None
- Reward currency
- Bank of America Travel Rewards Points
- Capital One Miles
Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.