Capital One Venture X Rewards Credit Card vs. United Quest Card
On the criteria below, Capital One Venture X Rewards Credit Card wins 2 of 4. The verdict depends on which criteria matter to you.
Capital One Venture X Rewards Credit Card
Capital One
United Quest Card
Chase
Capital One Venture X Rewards Credit Card wins 2 of 4 criteria here, making it the stronger all-rounder.
Capital One Venture X Rewards Credit Card wins on first-year math and lounge access; United Quest Card wins on annual fee.
Pick the Capital One Venture X Rewards Credit Card if year-one math is your priority; take the United Quest Card if you want a cheaper card to keep long-term.
Who wins what
2 vs 1 (1 tie)- 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 United Quest Card
United Quest Card is $45 cheaper to keep.
- Earning ceiling Tie
Same peak earning rate.
- Lounge access Capital One Venture X Rewards Credit Card
Capital One Venture X Rewards Credit Card includes lounge access; the other doesn't.
By the numbers
- Annual fee
- $395
- $350
- Welcome offer (typical value)
- $1,125
- $910
- First-year net
- +$730
- +$560
- Peak earning rate
- 10×
- 10×
- Top categories
- Hotels Via Portal, Flights Via Portal
- Airfare, Travel, Hotels Resorts
- Lounge access
- capital-one-lounge, priority-pass
- No
- 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.