Capital One Venture X Rewards HSBC Premier World Mastercard
Capital One Venture X Rewards
$395/yr
HSBC Premier World Mastercard
$95/yr
Every $1 · two cards
Capital One Venture X Rewards earns more in 8 of 9 categories · HSBC Premier World Mastercard in 0
- Dining2×3.6¢ per $11×1¢ per $1
- Groceries2×3.6¢ per $13×3¢ per $1
- Gas2×3.6¢ per $13×3¢ per $1
- Flights5×9¢ per $1
via Capital One Travel
2×2¢ per $1 - Hotels10×18¢ per $1
via Capital One Travel
2×2¢ 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 Mastercard
- Annual fee
- $95
- Network
- mastercard
- Welcome value
- $625
- Min spend
- $4,000 / 3mo
Top earning rates
- 3×Gas · HSBC Rewards
- 3×Grocery · HSBC Rewards
- 2×Travel · HSBC Rewards
- 1×All other new purchases · HSBC Rewards
Key benefits
- Security screening application fee credit · $85
- Instacart+ membership and monthly order discount · $10
- Lyft Take 3, Get $5 credit · $5
- Monthly transit statement credit · $3
- Hotel and motel burglary insurance · $0
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.
Get my personal answer