Capital One Venture Rewards Credit Card vs. United Club Infinite Card
Even split across the criteria below. Pick the one whose strengths match how you'll actually use it.
Capital One Venture Rewards Credit Card
Capital One
United Club Infinite Card
Chase
Capital One Venture Rewards Credit Card and United Club Infinite Card split the criteria evenly. Neither is the obvious all-rounder; the right pick depends on which dimensions matter to you.
Capital One Venture Rewards Credit Card wins on first-year math and annual fee; United Club Infinite Card wins on earning ceiling and lounge access.
Pick the Capital One Venture Rewards Credit Card if year-one math is your priority; take the Capital One Venture Rewards Credit Card if you want a cheaper card to keep long-term.
Who wins what
2 vs 2- First-year math Capital One Venture Rewards Credit Card
Capital One Venture Rewards Credit Card wins on bonus value minus annual fee.
- Annual fee Capital One Venture Rewards Credit Card
Capital One Venture Rewards Credit Card is $600 cheaper to keep.
- Earning ceiling United Club Infinite Card
United Club Infinite Card earns more on its best category (11× vs 5×).
- Lounge access United Club Infinite Card
United Club Infinite Card includes lounge access; the other doesn't.
By the numbers
- Annual fee
- $95
- $695
- Welcome offer (typical value)
- $1,125
- $1,170
- First-year net
- +$1,030
- +$475
- Peak earning rate
- 5×
- 11×
- Top categories
- Travel Portal, Capital One Entertainment
- Airfare, Travel, Hotels Resorts
- Lounge access
- No
- United Club
- Travel insurance
- Yes
- Yes
- Elite status
- Yes
- No
- Foreign transaction fee
- None
- None
- Reward currency
- Capital One Miles
- United MileagePlus
Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.