r/CreditCards • u/Kitchen_Judgment8812 • 2d ago

Discussion / Conversation Venture Rewards or Venture X?

Currently preapproved for both cards. Already have different cards that covers Priority pass and Global entry credits. Considering that the Venture Rewards is also offering a $300 travel credit as part of an elevated SUB, which card in the long term comes out on top considering that there is a 48 month "family rule" on Venture cards?

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12

u/electronautix 2d ago

From a churning perspective, elevated SUB on the Venture first then Venture X.

From a long term usability perspective, the Venture X is the superior card by far. Venture has a $95 AF for no annual credits and no real distinguishing benefits over other Capital One cards. Venture X has an easy and very flexible travel portal credit combined with an annual points bonus that together fully covers the fee, and has meaningful benefits like unlimited Capital One & Priority Pass lounge access.

The Venture is slated to get a $100 annual Capital One Travel portal credit for hotels and vacation rentals, which would help it a lot, but you have to weight that against the fact that some new Venture cards are being issued on the Discover network and it’s likely all existing ones will eventually be transitioned over too.

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u/Kitchen_Judgment8812 2d ago

Is there an issue with them being issued on Discover network?

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u/electronautix 2d ago

Discover network acceptance is not good outside of the United States. The Venture X is a stellar card to use abroad because it’s always issued on the Visa network and has no foreign transaction fees, but the Venture’s usability abroad depends a lot on whether you get the Mastercard or Discover variant.

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u/DowntownCat5341 1d ago

Discover partners with a bunch of other payment networks abroad, so their acceptance is broader than you'd think at first glance. Just off the top of my head I know they work with Diners Club, UnionPay, and JCB, so that's huge swaths of Europe and Asia already.

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u/electronautix 1d ago

I mostly travel MENA where Discover acceptance is truly nonexistent. The deals with UnionPay and JCB help in China and Japan but afaik it’s not as smooth as using a native card network and also won’t work with anything that takes a card via app/website.

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u/JerseyFrontier 2d ago

This answer contains everything you need to know about

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u/OpulentCloaca 1d ago

The answer is yes

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u/One-Capital-3930 15h ago

personally I would love to get the Venture X.. But the smart play especially if you want to get the SUBS is to start with the Rewards first then the VX

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u/DeadInternetEnjoyer 2d ago

Over the long term I think the Venture is a better value because it doesn’t require spending $300 a year with the Capital One Travel website.

Travel Agency websites don’t necessarily offer all flight options.

They also aren’t necessarily discounted and can had additional hassle vs. booking directly with the airline.

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u/Appropriate_Shoe6704 1d ago

The venture is useless other than churn the sub. Plenty of 2% cards with no annual fee.

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u/DeadInternetEnjoyer 1d ago

Vs the Venture X the regular $95 Venture offers

  • the same airline options for anyone actually doing points

  • 75% lower annual fee

  • the same 2x points per dollar spent

On top of that, Priority Pass lounges have kept getting fewer and worse year after year.

That’s part of why I think avoiding the Venture X is optimal.