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All comparisons
Head-to-head, 2026

Capital One Venture Rewards Luxury Card Mastercard Titanium Card

Capital One Venture Rewards

$95/yr

Venture Rewards
Mastercard Titanium Card

Luxury Card Mastercard Titanium Card

$299/yr

Every $1 · two cards

Capital One Venture Rewards earns more in 8 of 9 categories · Luxury Card Mastercard Titanium Card in 0

  • Dining
    2×3.6¢ per $1
    1×1¢ per $1
  • Groceries
    2×3.6¢ per $1
    1×1¢ per $1
  • Gas
    2×3.6¢ per $1
    1×1¢ per $1
  • Flights
    2×3.6¢ per $1
    2×2¢ per $1

    via LuxuryCardTravel.com

  • Hotels
    5×9¢ per $1

    via Capital One Travel

    2×2¢ per $1

    via LuxuryCardTravel.com

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

Luxury Card

Mastercard Titanium Card

Annual fee
$299
Network
mastercard
Welcome value
—
Min spend
—

Top earning rates

  • 2×Airfare · Luxury Card Rewards
  • 2×Hotels · Luxury Card Rewards
  • 1×All other purchases · Luxury Card Rewards

Key benefits

  • Luxury Card Travel Hotel Benefits · $750
  • Concierge Service · $250
  • Lyft Monthly Credit · $5
  • Peacock Monthly Discount · $3
  • Mastercard ID Theft Protection · $0
Full Luxury Card Mastercard Titanium Card 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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