Capital One Venture X Rewards HSBC Premier World Elite
Capital One Venture X Rewards
$395/yr
HSBC Premier World Elite
$495/yr
Every $1 · two cards
Capital One Venture X Rewards earns more in 8 of 9 categories · HSBC Premier World Elite in 0
- Dining2×3.6¢ per $12×2¢ per $1
- Groceries2×3.6¢ per $11×1¢ per $1
- Gas2×3.6¢ per $11×1¢ per $1
- Flights5×9¢ per $1
via Capital One Travel
5×5¢ per $1 - Hotels10×18¢ per $1
via Capital One Travel
5×5¢ per $1 - Everything else2×3.6¢ per $11×1¢ 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
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
HSBC
Premier World Elite
- Annual fee
- $495
- Network
- mastercard
- Welcome value
- $900
- Min spend
- $4,000 / 3mo
Top earning rates
- 5×Eligible Travel · HSBC Rewards
- 2×Other Travel · HSBC Rewards
- 2×Dining · HSBC Rewards
- 1×All other purchases · HSBC Rewards
Key benefits
- HSBC Travel Credit ($100 per $2,000 spent through HSBC Travel) (Spend Tier) · $400
- Security screening application fee credit · $120
- Soho Friends membership and $100 annual stay credit · $100
- Rideshare Statement Credit · $10
- Instacart+ membership and monthly order discount · $10
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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