Is the Capital One Venture X Rewards Credit Card worth the higher annual fee?

The Capital One Venture X Rewards Credit Card costs $395/yr vs $0/yr for the Upgrade Triple Cash Rewards. The higher fee includes lounge access that can offset the cost for frequent travelers.

What benefits does the Capital One Venture X Rewards Credit Card have that the Upgrade Triple Cash Rewards doesn't?

The Capital One Venture X Rewards Credit Card offers lounge access. The Upgrade Triple Cash Rewards focuses more on earn rates than premium perks.

Is the Capital One Venture X Rewards Credit Card worth the higher annual fee?

The Capital One Venture X Rewards Credit Card costs $395/yr vs $0/yr for the Upgrade Triple Cash Rewards. The higher fee includes lounge access that can offset the cost for frequent travelers.

What benefits does the Capital One Venture X Rewards Credit Card have that the Upgrade Triple Cash Rewards doesn't?

The Capital One Venture X Rewards Credit Card offers lounge access. The Upgrade Triple Cash Rewards focuses more on earn rates than premium perks.

Is the Capital One Venture X Rewards Credit Card worth the higher annual fee?

The Capital One Venture X Rewards Credit Card costs $395/yr vs $0/yr for the Upgrade Triple Cash Rewards. The higher fee includes lounge access that can offset the cost for frequent travelers.

What benefits does the Capital One Venture X Rewards Credit Card have that the Upgrade Triple Cash Rewards doesn't?

The Capital One Venture X Rewards Credit Card offers lounge access. The Upgrade Triple Cash Rewards focuses more on earn rates than premium perks.

CardRewards

Editorial 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.

Capital One Venture X Rewards Credit Card vs Upgrade Triple Cash Rewards

The Upgrade Triple Cash Rewards ($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.

No image

Capital One Venture X Rewards Credit Card

Capital One

Upgrade Triple Cash Rewards

Sutton Bank

Fees & Welcome Offer

Annual Fee

$395

Welcome Bonus

75,000 Flex point

—

Earn Rates

Category	Capital One Venture X Rewards Credit Card	Upgrade Triple Cash Rewards
Auto Maintenance	2X	3X
Drugstores	2X

Category-by-Category Winner

The Upgrade Triple Cash Rewards wins in 6 of 9 categories. The Capital One Venture X Rewards Credit Card leads in 3.

Hotels

Capital One Venture X Rewards Credit Card earns 2X vs 1X

Flights

Capital One Venture X Rewards Credit Card earns 2X vs 1X

Auto Maintenance

Upgrade Triple Cash Rewards earns 3X vs 2X

Drugstores

Upgrade Triple Cash Rewards earns 3X vs 2X

Fitness & Gyms

Upgrade Triple Cash Rewards earns 3X vs 2X

Healthcare

Upgrade Triple Cash Rewards earns 3X vs 2X

Home Improvement

Upgrade Triple Cash Rewards earns 3X vs 2X

Sporting Goods Stores

Upgrade Triple Cash Rewards earns 3X vs 2X

Everyday purchases

Capital One Venture X Rewards Credit Card earns 2X on all other spending vs 1X

The Bottom Line

The Upgrade Triple Cash Rewards 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 Upgrade Triple Cash Rewards 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.

Frequently Asked Questions

Is the Capital One Venture X Rewards Credit Card worth the higher annual fee?: The Capital One Venture X Rewards Credit Card costs $395/yr vs $0/yr for the Upgrade Triple Cash Rewards. The higher fee includes lounge access that can offset the cost for frequent travelers.
Which card earns more rewards, the Capital One Venture X Rewards Credit Card or Upgrade Triple Cash Rewards?: The Capital One Venture X Rewards Credit Card has a higher base earn rate (2X vs 0X), but both cards have different bonus categories where they excel.
What benefits does the Capital One Venture X Rewards Credit Card have that the Upgrade Triple Cash Rewards doesn't?: The Capital One Venture X Rewards Credit Card offers lounge access. The Upgrade Triple Cash Rewards focuses more on earn rates than premium perks.
Should I get the Capital One Venture X Rewards Credit Card or the Upgrade Triple Cash Rewards?: Choose the Upgrade Triple Cash Rewards if you want lower fees and solid rewards. Pick the Capital One Venture X Rewards Credit Card if you spend enough to justify the $395/yr fee through its premium benefits and higher earn rates.

Related Comparisons

Amex Gold vs Capital One Venture X Amex Green vs Capital One Venture X Amex Platinum vs Capital One Venture X Capital One Quicksilver vs Capital One Venture X

Explore More

Capital One Venture X Rewards Credit Card — Full Review All Capital One Cards

Upgrade Triple Cash Rewards — Full Review All Sutton Bank Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Capital One cards · Sutton Bank cards

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.

Capital One Venture X Rewards Credit Card vs Upgrade Triple Cash Rewards

No image

Capital One Venture X Rewards Credit Card

Capital One

Upgrade Triple Cash Rewards

Sutton Bank

Fees & Welcome Offer

Annual Fee

$395

Welcome Bonus

75,000 Flex point

—

Earn Rates

Category	Capital One Venture X Rewards Credit Card	Upgrade Triple Cash Rewards
Auto Maintenance	2X	3X
Drugstores	2X

Category-by-Category Winner

The Upgrade Triple Cash Rewards wins in 6 of 9 categories. The Capital One Venture X Rewards Credit Card leads in 3.

Hotels

Capital One Venture X Rewards Credit Card earns 2X vs 1X

Flights

Capital One Venture X Rewards Credit Card earns 2X vs 1X

Auto Maintenance

Upgrade Triple Cash Rewards earns 3X vs 2X

Drugstores

Upgrade Triple Cash Rewards earns 3X vs 2X

Fitness & Gyms

Upgrade Triple Cash Rewards earns 3X vs 2X

Healthcare

Upgrade Triple Cash Rewards earns 3X vs 2X

Home Improvement

Upgrade Triple Cash Rewards earns 3X vs 2X

Sporting Goods Stores

Upgrade Triple Cash Rewards earns 3X vs 2X

Everyday purchases

Capital One Venture X Rewards Credit Card earns 2X on all other spending vs 1X

The Bottom Line

The Upgrade Triple Cash Rewards 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.

Frequently Asked Questions

Is the Capital One Venture X Rewards Credit Card worth the higher annual fee?: The Capital One Venture X Rewards Credit Card costs $395/yr vs $0/yr for the Upgrade Triple Cash Rewards. The higher fee includes lounge access that can offset the cost for frequent travelers.
Which card earns more rewards, the Capital One Venture X Rewards Credit Card or Upgrade Triple Cash Rewards?: The Capital One Venture X Rewards Credit Card has a higher base earn rate (2X vs 0X), but both cards have different bonus categories where they excel.
What benefits does the Capital One Venture X Rewards Credit Card have that the Upgrade Triple Cash Rewards doesn't?: The Capital One Venture X Rewards Credit Card offers lounge access. The Upgrade Triple Cash Rewards focuses more on earn rates than premium perks.
Should I get the Capital One Venture X Rewards Credit Card or the Upgrade Triple Cash Rewards?: Choose the Upgrade Triple Cash Rewards if you want lower fees and solid rewards. Pick the Capital One Venture X Rewards Credit Card if you spend enough to justify the $395/yr fee through its premium benefits and higher earn rates.

Related Comparisons

Amex Gold vs Capital One Venture X Amex Green vs Capital One Venture X Amex Platinum vs Capital One Venture X Capital One Quicksilver vs Capital One Venture X

Explore More

Capital One Venture X Rewards Credit Card — Full Review All Capital One Cards

Upgrade Triple Cash Rewards — Full Review All Sutton Bank Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Capital One cards · Sutton Bank cards

Capital One Venture X Rewards Credit Card vs Upgrade Triple Cash Rewards

No image

Capital One Venture X Rewards Credit Card

Capital One

Upgrade Triple Cash Rewards

Sutton Bank

Fees & Welcome Offer

Annual Fee

$395

Welcome Bonus

75,000 Flex point

—

Earn Rates

Category	Capital One Venture X Rewards Credit Card	Upgrade Triple Cash Rewards
Auto Maintenance	2X	3X
Drugstores	2X

Category-by-Category Winner

The Upgrade Triple Cash Rewards wins in 6 of 9 categories. The Capital One Venture X Rewards Credit Card leads in 3.

Hotels

Capital One Venture X Rewards Credit Card earns 2X vs 1X

Flights

Capital One Venture X Rewards Credit Card earns 2X vs 1X

Auto Maintenance

Upgrade Triple Cash Rewards earns 3X vs 2X

Drugstores

Upgrade Triple Cash Rewards earns 3X vs 2X

Fitness & Gyms

Upgrade Triple Cash Rewards earns 3X vs 2X

Healthcare

Upgrade Triple Cash Rewards earns 3X vs 2X

Home Improvement

Upgrade Triple Cash Rewards earns 3X vs 2X

Sporting Goods Stores

Upgrade Triple Cash Rewards earns 3X vs 2X

Everyday purchases

Capital One Venture X Rewards Credit Card earns 2X on all other spending vs 1X

The Bottom Line

The Upgrade Triple Cash Rewards 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.

Frequently Asked Questions

Is the Capital One Venture X Rewards Credit Card worth the higher annual fee?: The Capital One Venture X Rewards Credit Card costs $395/yr vs $0/yr for the Upgrade Triple Cash Rewards. The higher fee includes lounge access that can offset the cost for frequent travelers.
Which card earns more rewards, the Capital One Venture X Rewards Credit Card or Upgrade Triple Cash Rewards?: The Capital One Venture X Rewards Credit Card has a higher base earn rate (2X vs 0X), but both cards have different bonus categories where they excel.
What benefits does the Capital One Venture X Rewards Credit Card have that the Upgrade Triple Cash Rewards doesn't?: The Capital One Venture X Rewards Credit Card offers lounge access. The Upgrade Triple Cash Rewards focuses more on earn rates than premium perks.
Should I get the Capital One Venture X Rewards Credit Card or the Upgrade Triple Cash Rewards?: Choose the Upgrade Triple Cash Rewards if you want lower fees and solid rewards. Pick the Capital One Venture X Rewards Credit Card if you spend enough to justify the $395/yr fee through its premium benefits and higher earn rates.

Related Comparisons

Amex Gold vs Capital One Venture X Amex Green vs Capital One Venture X Amex Platinum vs Capital One Venture X Capital One Quicksilver vs Capital One Venture X

Explore More

Capital One Venture X Rewards Credit Card — Full Review All Capital One Cards

Upgrade Triple Cash Rewards — Full Review All Sutton Bank Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Capital One cards · Sutton Bank cards

Benefits & Features

Network

VISA

Key Benefits

✓Lounge access

✓Travel insurance

✓Global Entry credit

✓Purchase protection

None

Pros & Cons

Pros

+Effective $95 annual fee after $300 travel credit and 10,000 anniversary miles (~$100 value)
+10X miles on hotels and rental cars booked through Capital One Travel
+Access to premium Capital One Lounges in Dallas, Denver, and Washington D.C.
+Priority Pass Select membership with 1,300+ lounges worldwide
+Free authorized users (until Feb 2026, then $125/year for lounge access)

—

Cons

−$395 annual fee requires maximizing credits to get value
−10X earning rate requires booking through Capital One Travel portal
−Guest lounge access changing to $35/guest at Priority Pass after Feb 2026
−No airline transfer bonuses unlike some competitors
−Travel credits only work for Capital One Travel bookings

—

Is the Fee Difference Worth It?

The Capital One Venture X Rewards Credit Card costs $395/yr — that's $395 more than the Upgrade Triple Cash Rewards (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 — otherwise the Upgrade Triple Cash Rewards delivers strong value at a fraction of the cost.

What You Give Up

Choosing one card means missing out on these benefits from the other.

Choosing Upgrade Triple Cash Rewards means losing:

-Airport lounge access
-Purchase protection
-Travel insurance
-Global Entry credit

Which Card Is Right for You?

Get the Capital One Venture X Rewards Credit Card if you:

+Fly frequently and value airport lounge access
+Prefer a high flat rate across all spending

Get the Upgrade Triple Cash Rewards if you:

+Want strong rewards without a large annual fee commitment

Benefits & Features

Network

VISA

Key Benefits

✓Lounge access

✓Travel insurance

✓Global Entry credit

✓Purchase protection

None

Pros & Cons

Pros

+Effective $95 annual fee after $300 travel credit and 10,000 anniversary miles (~$100 value)
+10X miles on hotels and rental cars booked through Capital One Travel
+Access to premium Capital One Lounges in Dallas, Denver, and Washington D.C.
+Priority Pass Select membership with 1,300+ lounges worldwide
+Free authorized users (until Feb 2026, then $125/year for lounge access)

—

Cons

−$395 annual fee requires maximizing credits to get value
−10X earning rate requires booking through Capital One Travel portal
−Guest lounge access changing to $35/guest at Priority Pass after Feb 2026
−No airline transfer bonuses unlike some competitors
−Travel credits only work for Capital One Travel bookings

—

Is the Fee Difference Worth It?

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.

What You Give Up

Choosing one card means missing out on these benefits from the other.

Choosing Upgrade Triple Cash Rewards means losing:

-Airport lounge access
-Purchase protection
-Travel insurance
-Global Entry credit

Which Card Is Right for You?

Get the Capital One Venture X Rewards Credit Card if you:

+Fly frequently and value airport lounge access
+Prefer a high flat rate across all spending

Get the Upgrade Triple Cash Rewards if you:

+Want strong rewards without a large annual fee commitment

Benefits & Features

Network

VISA

Key Benefits

✓Lounge access

✓Travel insurance

✓Global Entry credit

✓Purchase protection

None

Pros & Cons

Pros

+Effective $95 annual fee after $300 travel credit and 10,000 anniversary miles (~$100 value)
+10X miles on hotels and rental cars booked through Capital One Travel
+Access to premium Capital One Lounges in Dallas, Denver, and Washington D.C.
+Priority Pass Select membership with 1,300+ lounges worldwide
+Free authorized users (until Feb 2026, then $125/year for lounge access)

—

Cons

−$395 annual fee requires maximizing credits to get value
−10X earning rate requires booking through Capital One Travel portal
−Guest lounge access changing to $35/guest at Priority Pass after Feb 2026
−No airline transfer bonuses unlike some competitors
−Travel credits only work for Capital One Travel bookings

—

Is the Fee Difference Worth It?

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.

What You Give Up

Choosing one card means missing out on these benefits from the other.

Choosing Upgrade Triple Cash Rewards means losing:

-Airport lounge access
-Purchase protection
-Travel insurance
-Global Entry credit

Which Card Is Right for You?

Get the Capital One Venture X Rewards Credit Card if you:

+Fly frequently and value airport lounge access
+Prefer a high flat rate across all spending

Get the Upgrade Triple Cash Rewards if you:

+Want strong rewards without a large annual fee commitment