Premium Rewards Elite vs Venture X
Premium Rewards Elite
$550/yr
5.5/10
VS
Venture X
$395/yr
7.5/10
Quick Answer
Premium Rewards Elite charges $550/yr with 1X base rewards. Venture X charges $395/yr with 1X base rewards. Venture X offers better overall value for most spenders when comparing fees, rewards, and benefits side by side.
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Winner by Category
Annual Fees
Venture X
Lower annual fee ($550 vs $395)
Rewards Earning
Venture X
4 earning categories
Benefits & Protection
Venture X
7 benefits vs 0
Statement Credits
Premium Rewards Elite
$550 in annual credits
Flexibility
Venture X
Transferable points to airline/hotel partners
OUR PICK
Venture X wins for most people
The $155 fee difference is hard to justify unless you maximize premium benefits.
Apply for Venture XPREMIUM PICK
Premium Rewards Elite wins for heavy spenders
If you can offset the higher fee with credits and perks, this card delivers more value.
Apply for Premium Rewards EliteRewards Earning: Detailed Comparison
Premium Rewards Elite
| Travel & dining | 2.0X |
| Everything else | 1.5X |
Venture X
| Hotels and rental cars via Capital One Travel | 10.0X |
| Flights and vacation rentals via Capital One Travel | 5.0X |
| Capital One Entertainment | 5.0X |
| Everything else | 2.0X |
Card Benefits: Detailed Comparison
Premium Rewards Elite (0 benefits)
See full review for benefits details.
Venture X (7 benefits)
- Trip Cancellation/Interruption (up to $2,000)
- Trip Delay Reimbursement (up to $500)
- Auto Rental Collision Coverage
- Purchase Protection (up to $500)
- Extended Warranty
- Capital One Lounge + Plaza Premium
- Global Entry/TSA PreCheck Credit (up to $100)