Bank of America Travel Rewards for Students vs Capital One Venture X Rewards
Head-to-head comparison of every feature, fee, and perk
VS
At a Glance
Annual Fee
No annual fee
vs
$395
Base Rewards
1.5x
vs
2x
Sign-Up Bonus
$250
vs
$750
Editor Score
7/10
vs
10/10
Detailed Comparison
| Category wins | 2/6 | 4/6 |
| Fees & APR | ||
| Annual Fee | No annual fee★ Lowest | $395✗ Highest |
| Purchase APR | 19.24% – 29.24% | 19.99% – 29.99% |
| Intro APR (Purchases) | 0% · 15 mo | |
| Intro APR (Balance Transfer) | ||
| Foreign Txn Fee | None★ Lowest | None |
| Balance Transfer Fee | 3% | None |
| Rewards | ||
| Rewards Type | Points | Miles |
| Base Rewards Rate | 1.5x✗ Lowest | 2x★ Highest |
| Bonus Categories | 10x Hotels & Cars (Capital One) · 5x Flights (Capital One) | |
| Sign-Up Bonus | $250 value✗ Lowest | $750 value★ Highest |
| Eligibility | ||
| Credit Score | No Credit History | Excellent (750+) |
| Network | Visa | Visa |
| At a Glance | ||
| Best For | Students who travel internationally | Premium travelers seeking maximum value |
| Ratings | ||
| User Rating | 4.1 / 5✗ Lowest | 4.8 / 5★ Highest |
| Editor Score | 7 / 10✗ Lowest | 10 / 10★ Highest |
| Apply Now | Apply | Apply |
| Full Review | View details → | View details → |
| Pros & Cons | ||
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Our verdict: Capital One Venture X Rewards
The Bank of America Travel Rewards for Students (no annual fee) and the Capital One Venture X Rewards ($395/year) compete on different axes. The Bank of America Travel Rewards for Students uses a flat 1.5x base rate, while the Capital One Venture X Rewards leads with 10x on Hotels & Cars (Capital One). The Capital One Venture X Rewards costs $395 more per year, so you need at least $395 in incremental rewards to justify it over the Bank of America Travel Rewards for Students. At typical spend levels this breaks even somewhere between $11,850 and $23,700 in bonus-category purchases annually. Our scoring model gives the edge to the Capital One Venture X Rewards — it leads on 4 of the 6 key dimensions we evaluate. That said, this ranking is algorithmic; your specific spending pattern can flip the answer.
Leads on 4 of 6 key comparison dimensions
Dimension-by-dimension
| Dimension | Bank of America Travel Rewards for Students | Capital One Venture X Rewards |
|---|---|---|
| Annual Fee | no annual fee | $395/year |
| Base Reward Rate | 1.5x on everything | 2x on everything |
| Top Bonus Category | None | 10x on Hotels & Cars (Capital One) |
| Sign-Up Bonus | 25,000 points after spending $1,000 in 3 months | 75,000 miles after spending $4,000 in 3 months |
| Lounge Access | No | Yes |
| Credit Score Required | no credit | excellent |
Green checkmark indicates the card that leans stronger on that dimension. Our scoring model evaluates these quantitatively — your specific needs may shift the answer.
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Common Questions
Which is better: Bank of America Travel Rewards for Students or Capital One Venture X Rewards?
It depends on your spending habits. The Bank of America Travel Rewards for Students has no annual fee and earns 1.5x base rewards. The Capital One Venture X Rewards has a $395 annual fee and earns 2x base rewards. Compare their bonus categories above to see which aligns better with your spending.
What is the annual fee difference between Bank of America Travel Rewards for Students and Capital One Venture X Rewards?
The Bank of America Travel Rewards for Students has no annual fee while the Capital One Venture X Rewards has a $395 annual fee. The Capital One Venture X Rewards costs $395 more per year, so it needs to deliver that much extra value in rewards and perks to justify the difference.
Can I have both the Bank of America Travel Rewards for Students and Capital One Venture X Rewards?
Yes, since these cards are from different issuers (Bank of America and Capital One), you can hold both. Many people pair cards from different banks to maximize bonus category coverage across all their spending.