Apple Card vs Capital One Venture X
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Capital One Venture X wins 3-2. Premium travel, $395 fee easily offset by $300 travel credit + 10K anniversary miles. Apple Card is still the right call if apple ecosystem users, daily cashback, instant in wallet..
Side-by-side
| Criterion | Apple Card | Capital One Venture X |
|---|---|---|
| Annual fee | No annual fee | · $395 |
| Joining fee | = None | = None |
| Top reward rate | · 3% (shopping) | 10% (travel) |
| Base reward rate | · 1% | 2% |
| Forex markup | = No FX fee | = No FX fee |
| Welcome bonus | = No welcome bonus, daily cashback model | = 75,000 miles after $4,000 spend in first 3 months |
| Fee waiver threshold | = N/A (no fee) | = No waiver |
| Min income | = None stated | = None stated |
| Min credit score | 660 | · 720 |
| Editorial rating | · 4.4/5 | 4.7/5 |
Benefits compared
Apple Card
- 3% Daily Cash on Apple purchases + select merchants (Uber, Walgreens, T-Mobile)
- 2% Daily Cash on all Apple Pay transactions
- 1% Daily Cash on physical-card purchases
- No annual fee, no foreign transaction fee, no late fees
- High-yield savings account at 4.4% APY
- Privacy-first: no purchase data sold
Capital One Venture X
- 10x miles on hotels + rental cars via Capital One Travel
- 2x miles on every purchase
- $300 annual Capital One Travel credit
- 10,000 miles anniversary bonus (worth $100)
- Unlimited Priority Pass + Capital One Lounges access
- Up to $100 Global Entry/TSA PreCheck credit
FAQ
›Apple Card vs Capital One Venture X: which is better?
Capital One Venture X wins on more dimensions (3 vs 2). But the right answer depends on your specific spending pattern. Run your own monthly spend through the maximizer to see which one pays you more.
›Can I get both?
Yes, if your credit profile supports it, holding both is the optimal play. Use Apple Card for its best categories, Capital One Venture X for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Apple Card: No welcome bonus, daily cashback model. Capital One Venture X: 75,000 miles after $4,000 spend in first 3 months.