Bank of America Travel Rewards 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. Bank of America Travel Rewards is still the right call if no-fee travel, 1.5x flat with no fx markup, plus preferred rewards bumps.
Side-by-side
| Criterion | Bank of America Travel Rewards | Capital One Venture X |
|---|---|---|
| Annual fee | No annual fee | · $395 |
| Joining fee | = None | = None |
| Top reward rate | · 1.5% (general) | 10% (travel) |
| Base reward rate | · 1.5% | 2% |
| Forex markup | = No FX fee | = No FX fee |
| Welcome bonus | = 25,000 online bonus points after $1,000 in first 90 days (~$250 travel) | = 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 | 700 | · 720 |
| Editorial rating | · 4.3/5 | 4.7/5 |
Benefits compared
Bank of America Travel Rewards
- 1.5x points on every purchase
- Up to 75% bonus for Preferred Rewards clients (1.5x → 2.625x)
- Points redeem against any travel purchase, no blackout dates
- No foreign transaction fees
- No annual fee
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
›Bank of America Travel Rewards 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 Bank of America Travel Rewards 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?
Bank of America Travel Rewards: 25,000 online bonus points after $1,000 in first 90 days (~$250 travel). Capital One Venture X: 75,000 miles after $4,000 spend in first 3 months.