Capital One Venture X Rewards Chase IHG One Rewards Premier
Capital One Venture X Rewards
$395/yr
Chase IHG One Rewards Premier
$99/yr
Every $1 · two cards
Capital One Venture X Rewards earns more in 8 of 9 categories · Chase IHG One Rewards Premier in 0
- Dining2×3.6¢ per $15×3¢ per $1
- Groceries2×3.6¢ per $15×3¢ per $1
- Gas2×3.6¢ per $15×3¢ per $1
- Flights5×9¢ per $1
via Capital One Travel
5×3¢ per $1 - Hotels10×18¢ per $1
via Capital One Travel
5×3¢ per $1 - Everything else2×3.6¢ per $13×1.8¢ 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
Capital One
Venture X Rewards
- Annual fee
- $395
- Network
- visa
- Welcome value
- $750
- Min spend
- $4,000 / 3mo
Top earning rates
- 10×Hotels & rental cars · Capital One Miles
- 5×Flights and vacation rentals · Capital One Miles
- 5×Capital One Entertainment purchases · Capital One Miles
- 2×All other purchases · Capital One Miles
Key benefits
- $300 annual Capital One Travel credit · $300
- Global Entry or TSA PreCheck credit · $120
- Premier Collection Vacation Rental Experience Credit · $100
- Premier Collection Hotel Experience Credit · $100
- Lifestyle Collection Vacation Rental Experience Credit · $50
Chase
IHG One Rewards Premier
- Annual fee
- $99
- Network
- mastercard
- Welcome value
- ~$1,080
- Min spend
- $3,000 / 3mo
Top earning rates
- 10×Hotels participating in IHG One Rewards · IHG One Rewards
- 5×Grocery stores; gas stations; dining at restaurants including takeout and eligible delivery services · IHG One Rewards
- 5×Travel rewards category · IHG One Rewards
- 3×All other purchases · IHG One Rewards
Key benefits
- Anniversary Free Night · $250
- Global Entry, TSA PreCheck or NEXUS fee credit · $120
- $100 Annual Airline Statement Credit · $100
- Up to $50 United TravelBank Cash Each Year ($25 Semi-Annual) · $25
- Up to $100 in Annual IHG Food & Beverage Rewards ($25 Quarterly) · $25
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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