CardRewardsEditorial disclosure: CardRewards.ai is an independent comparison service. Our analysis is based on publicly available card data and is reviewed regularly by our editorial team. Card issuers do not influence our rankings or content. Last updated: June 2026.
The SaksFirst World Elite MastercardĀ® ($0/yr) is better for everyday value, while the Capital One Venture X Rewards Credit Card ($395/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.
Capital One
Capital One
Annual Fee
Welcome Bonus
| Category | Capital One Venture X Rewards Credit Card | SaksFirst World Elite MastercardĀ® |
|---|---|---|
| Saks Fifth Avenue | 2X | 4X |
| Flights | 2X |
The SaksFirst World Elite MastercardĀ® wins in 1 of 1 categories. The Capital One Venture X Rewards Credit Card leads in 0.
Saks Fifth Avenue
SaksFirst World Elite MastercardĀ® earns 4X vs 2X
The Capital One Venture X Rewards Credit Card costs $395/yr ā that's $395 more than the SaksFirst World Elite MastercardĀ® (no annual fee). To justify that gap, you need to extract at least $395 in annual value from the card's higher earn rates and benefits.
The Capital One Venture X Rewards Credit Card offers lounge access, Global Entry/TSA PreCheck credit. Whether that justifies the fee depends on how often you use these benefits.
Bottom line: The $395 gap is significant. Choose the Capital One Venture X Rewards Credit Card only if you spend heavily on hotels and flights and will use its premium benefits regularly ā otherwise the SaksFirst World Elite MastercardĀ® delivers strong value at a fraction of the cost.
Choosing one card means missing out on these benefits from the other.
Choosing SaksFirst World Elite MastercardĀ® means losing:
Get the Capital One Venture X Rewards Credit Card if you:
The SaksFirst World Elite MastercardĀ® has a lower annual fee ($0 vs $395), making it the more accessible option.
The Capital One Venture X Rewards Credit Card justifies its higher fee with premium perks like lounge access.
Choose the SaksFirst World Elite MastercardĀ® if you want solid rewards with a lower cost of entry. Choose the Capital One Venture X Rewards Credit Card if you travel frequently and can maximize its premium benefits.
Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: June 2026.
The SaksFirst World Elite MastercardĀ® ($0/yr) is better for everyday value, while the Capital One Venture X Rewards Credit Card ($395/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.
Capital One
Capital One
Annual Fee
Welcome Bonus
| Category | Capital One Venture X Rewards Credit Card | SaksFirst World Elite MastercardĀ® |
|---|---|---|
| Saks Fifth Avenue | 2X | 4X |
| Flights | 2X |
The SaksFirst World Elite MastercardĀ® wins in 1 of 1 categories. The Capital One Venture X Rewards Credit Card leads in 0.
Saks Fifth Avenue
SaksFirst World Elite MastercardĀ® earns 4X vs 2X
The Capital One Venture X Rewards Credit Card costs $395/yr ā that's $395 more than the SaksFirst World Elite MastercardĀ® (no annual fee). To justify that gap, you need to extract at least $395 in annual value from the card's higher earn rates and benefits.
The Capital One Venture X Rewards Credit Card offers lounge access, Global Entry/TSA PreCheck credit. Whether that justifies the fee depends on how often you use these benefits.
Bottom line: The $395 gap is significant. Choose the Capital One Venture X Rewards Credit Card only if you spend heavily on hotels and flights and will use its premium benefits regularly ā otherwise the SaksFirst World Elite MastercardĀ® delivers strong value at a fraction of the cost.
Choosing one card means missing out on these benefits from the other.
Choosing SaksFirst World Elite MastercardĀ® means losing:
Get the Capital One Venture X Rewards Credit Card if you:
The SaksFirst World Elite MastercardĀ® has a lower annual fee ($0 vs $395), making it the more accessible option.
The Capital One Venture X Rewards Credit Card justifies its higher fee with premium perks like lounge access.
Choose the SaksFirst World Elite MastercardĀ® if you want solid rewards with a lower cost of entry. Choose the Capital One Venture X Rewards Credit Card if you travel frequently and can maximize its premium benefits.
Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: June 2026.
The SaksFirst World Elite MastercardĀ® ($0/yr) is better for everyday value, while the Capital One Venture X Rewards Credit Card ($395/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.
Capital One
Capital One
Annual Fee
Welcome Bonus
| Category | Capital One Venture X Rewards Credit Card | SaksFirst World Elite MastercardĀ® |
|---|---|---|
| Saks Fifth Avenue | 2X | 4X |
| Flights | 2X |
The SaksFirst World Elite MastercardĀ® wins in 1 of 1 categories. The Capital One Venture X Rewards Credit Card leads in 0.
Saks Fifth Avenue
SaksFirst World Elite MastercardĀ® earns 4X vs 2X
The Capital One Venture X Rewards Credit Card costs $395/yr ā that's $395 more than the SaksFirst World Elite MastercardĀ® (no annual fee). To justify that gap, you need to extract at least $395 in annual value from the card's higher earn rates and benefits.
The Capital One Venture X Rewards Credit Card offers lounge access, Global Entry/TSA PreCheck credit. Whether that justifies the fee depends on how often you use these benefits.
Bottom line: The $395 gap is significant. Choose the Capital One Venture X Rewards Credit Card only if you spend heavily on hotels and flights and will use its premium benefits regularly ā otherwise the SaksFirst World Elite MastercardĀ® delivers strong value at a fraction of the cost.
Choosing one card means missing out on these benefits from the other.
Choosing SaksFirst World Elite MastercardĀ® means losing:
Get the Capital One Venture X Rewards Credit Card if you:
The SaksFirst World Elite MastercardĀ® has a lower annual fee ($0 vs $395), making it the more accessible option.
The Capital One Venture X Rewards Credit Card justifies its higher fee with premium perks like lounge access.
Choose the SaksFirst World Elite MastercardĀ® if you want solid rewards with a lower cost of entry. Choose the Capital One Venture X Rewards Credit Card if you travel frequently and can maximize its premium benefits.
Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: June 2026.
| 2X |
| Hotels | 2X | 2X |
| Everything Else | 2X | 2X |
Network
Key Benefits
Pros
Cons
Get the SaksFirst World Elite MastercardĀ® if you:
| 2X |
| Hotels | 2X | 2X |
| Everything Else | 2X | 2X |
Network
Key Benefits
Pros
Cons
Get the SaksFirst World Elite MastercardĀ® if you:
| 2X |
| Hotels | 2X | 2X |
| Everything Else | 2X | 2X |
Network
Key Benefits
Pros
Cons
Get the SaksFirst World Elite MastercardĀ® if you: