Editorial take: Capital One Venture X
The best value premium travel card. $300 travel credit, Priority Pass, 10,000 anniversary miles, and a massive transfer partner list, all for $395. It's hard to beat.
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Side-by-side
Capital One Venture X vs IHG One Rewards Premier
Both are well-respected travel cards. The Capital One Venture X comes from Capital One at $395/yr; the IHG One Rewards Premier from Chase at $99/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
If you're not sure you'll use premium perks, start with the IHG One Rewards Premier, its annual fee is significantly lower and the bonus values are similar. Upgrade later if you find yourself using the higher-tier benefits.
| Feature | Capital One Venture X | IHG One Rewards Premier |
|---|---|---|
| Annual fee | $395 | $99 |
| Sign-up bonus | 75,000 miles | 185,000 bonus points |
| Bonus value (est.) | $1,238 | $925 |
| Min spend to unlock bonus | $4,000 in 3 mo | $3,000 in 3 mo |
| Issuer | Capital One | Chase |
| Card category | travel | hotel |
| Best earning category (Hotels_capital_one) | 10x | 1x |
| Transfer partners | capital-one | None |
| Headline benefits |
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Read the full review
Capital One Venture X
$395/yr · 75,000 miles
Read the full review
IHG One Rewards Premier
$99/yr · 185,000 bonus points
Editorial take: IHG One Rewards Premier
A solid hotel card if you stay at IHG properties regularly. The free night award and 4th night free on award stays can easily offset the $99 annual fee.
Common questions
- Which card has the bigger sign-up bonus, Capital One Venture X or IHG One Rewards Premier?
- The Capital One Venture X has the bigger bonus, 75,000 miles, worth roughly $1,238, versus 185,000 bonus points (~$925) on the IHG One Rewards Premier.
- Is the Capital One Venture X's $395 annual fee worth it compared to the IHG One Rewards Premier?
- At $395/yr, the Capital One Venture X is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the IHG One Rewards Premier's, pick the one whose perks you'll actually use.
- Can I have both the Capital One Venture X and IHG One Rewards Premier?
- Yes, since they're from different issuers (Capital One and Chase) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
- Should I get the Capital One Venture X or the IHG One Rewards Premier first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Capital One Venture X: $4,000 spend in 3 months. IHG One Rewards Premier: $3,000 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.