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All comparisons
Head-to-head, 2026

Capital One Venture Rewards Chase United Explorer

Capital One Venture Rewards

$95/yr

Venture Rewards
United Explorer

Chase United Explorer

$150/yr

Every $1 · two cards

Capital One Venture Rewards earns more in 8 of 9 categories · Chase United Explorer in 0

  • Dining
    2×3.6¢ per $1
    2×2.4¢ per $1
  • Groceries
    2×3.6¢ per $1
    1×1.2¢ per $1
  • Gas
    2×3.6¢ per $1
    1×1.2¢ per $1
  • Flights
    2×3.6¢ per $1
    1×1.2¢ per $1
  • Hotels
    5×9¢ per $1

    via Capital One Travel

    2×2.4¢ per $1
  • Everything else
    2×3.6¢ per $1
    1×1.2¢ per $1

Value per $1 uses the same point values as Discover Value: cash back at face value, points at Perqt's value for each program. Rates that apply all the time are shown, with caps and booking sites named; limited-time, spend-threshold and pick-one bonuses are in each card's full review. Annual fees and welcome offers are not counted here.

Fees, welcome offers & benefits

Lower annual fee: Capital One Venture Rewards

Capital One

Venture Rewards

Annual fee
$95
Network
visa
Welcome value
$1,050
Min spend
$4,000 / 3mo

Top earning rates

  • 5×Hotels, vacation rentals, and rental cars · Capital One Miles
  • 5×Capital One Entertainment purchases · Capital One Miles
  • 2×Every purchase · Capital One Miles

Key benefits

  • Global Entry or TSA PreCheck credit · $120
  • $50 Lifestyle Collection experience credit · $50
  • Capital One Offers · $0
  • Capital One Entertainment access · $0
  • No Foreign Transaction Fees · $0
Full Capital One Venture Rewards review

Chase

United Explorer

Annual fee
$150
Network
visa
Welcome value
—
Min spend
$3,000 / 3mo

Top earning rates

  • 3×All other eligible United® purchases · MileagePlus
  • 2×Hotel stays when booked directly with the hotel · MileagePlus
  • 2×Dining · MileagePlus
  • 1×All other purchases · MileagePlus

Key benefits

  • Free first checked bag · $200
  • Global Entry, TSA PreCheck or NEXUS fee credit · $120
  • $100 United travel credit (Spend Tier) · $100
  • $100 JSX Statement Credit · $100
  • United Hotels credits · $100
Full Chase United Explorer review

Wondering which one is right for your wallet?

Spec sheets can't tell you which card actually earns more for the way you spend. Perqt connects to your wallet, runs the math against your real transactions, and tells you which of these two — or another card entirely — gives you the biggest annual uplift.

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