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Capital One Venture X vs Venture X Business

Both are Capital One cards. Here is every spend category, ranked by what each card actually returns.

Best card by category Card terms as of Oct 29

Everything else

  1. Venture X 3.7% 2x base rate
  2. Venture X Business 3.7% 2x base rate

Flights · portal

  1. Venture X · Capital One Travel 9.3% 5x
  2. Venture X Business · Capital One Business Travel 9.3% 5x

Hotels · portal

  1. Venture X · Capital One Travel 18.5% 10x
  2. Venture X Business · Capital One Business Travel 18.5% 10x

Car rental · portal

  1. Venture X · Capital One Travel 18.5% 10x
  2. Venture X Business · Capital One Business Travel 18.5% 10x

Vacation rentals · portal

  1. Venture X · Capital One Travel 9.3% 5x
  2. Venture X Business · Capital One Business Travel 9.3% 5x

What the numbers are doing

These cards return the same effective rate in all 60 categories, so the ranking cannot separate them. Pick on annual fee instead: Venture X $395, Venture X Business $395.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseVenture X3.7%
Flights · portalVenture X · Capital One Travel9.3%
Hotels · portalVenture X · Capital One Travel18.5%
Car rental · portalVenture X · Capital One Travel18.5%
Vacation rentals · portalVenture X · Capital One Travel9.3%

Content preview. Apple Wallet controls the layout; visible categories vary by device. Categories that rank the same as Everything else are left off; every other category is in pass details.

Every category, every card

Everything else

  1. Venture X — 3.7%
  2. Venture X Business — 3.7%

Flights · portal

  1. Venture X · Capital One Travel — 9.3%
  2. Venture X Business · Capital One Business Travel — 9.3%

Hotels · portal

  1. Venture X · Capital One Travel — 18.5%
  2. Venture X Business · Capital One Business Travel — 18.5%

Car rental · portal

  1. Venture X · Capital One Travel — 18.5%
  2. Venture X Business · Capital One Business Travel — 18.5%

Vacation rentals · portal

  1. Venture X · Capital One Travel — 9.3%
  2. Venture X Business · Capital One Business Travel — 9.3%
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