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All comparisons
Head-to-head, 2026

Capital One Venture X Rewards Citi AAdvantage Executive

Capital One Venture X Rewards

$395/yr

Venture X Rewards
AAdvantage Executive

Citi AAdvantage Executive

$695/yr

Every $1 · two cards

Capital One Venture X Rewards earns more in 8 of 9 categories · Citi AAdvantage Executive in 0

  • Dining
    2×3.6¢ per $1
    1×1.45¢ per $1
  • Groceries
    2×3.6¢ per $1
    1×1.45¢ per $1
  • Gas
    2×3.6¢ per $1
    1×1.45¢ per $1
  • Flights
    5×9¢ per $1

    via Capital One Travel

    1×1.45¢ per $1
  • Hotels
    10×18¢ per $1

    via Capital One Travel

    1×1.45¢ per $1
  • Everything else
    2×3.6¢ per $1
    1×1.45¢ 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 X RewardsBigger welcome offer: Citi AAdvantage Executive

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
Full Capital One Venture X Rewards review

Citi

AAdvantage Executive

Annual fee
$695
Network
mastercard
Welcome value
~$1,160
Min spend
$8,000 / 3mo

Top earning rates

  • 12×Eligible AAdvantage Hotels® bookings and eligible AAdvantage Cars® bookings · AAdvantage
  • 5×Eligible American Airlines purchases · AAdvantage
  • 4×Eligible American Airlines purchases · AAdvantage
  • 1×All other purchases · AAdvantage

Key benefits

  • Up to $500 back on eligible American Airlines Vacations purchases · $250
  • First checked bag free · $140
  • Global Entry or TSA PreCheck application fee credit · $120
  • Avis and Budget prepaid rental credit · $120
  • Up to $100 back on inflight and eligible Admirals Club purchases · $100
Full Citi AAdvantage Executive 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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