Brex Card vs Capital One Venture X Rewards
Head-to-head comparison of every feature, fee, and perk
At a Glance
Annual Fee
No annual fee
vs
$395
Base Rewards
1x
vs
2x
Sign-Up Bonus
$1,100
vs
$750
Editor Score
8/10
vs
10/10
Detailed Comparison
| Category wins | 3/6 | 3/6 |
| Fees & APR | ||
| Annual Fee | No annual fee★ Lowest | $395✗ Highest |
| Purchase APR | 0% | 19.99% – 29.99% |
| Intro APR (Purchases) | ||
| Intro APR (Balance Transfer) | ||
| Foreign Txn Fee | None★ Lowest | None |
| Balance Transfer Fee | None | None |
| Rewards | ||
| Rewards Type | Points | Miles |
| Base Rewards Rate | 1x✗ Lowest | 2x★ Highest |
| Bonus Categories | 8x Rideshare · 5x Travel (via Brex) · 4x Restaurants | 10x Hotels & Cars (Capital One) · 5x Flights (Capital One) |
| Sign-Up Bonus | $1,100 value★ Highest | $750 value✗ Lowest |
| Eligibility | ||
| Credit Score | Good (670-749) | Excellent (750+) |
| Network | Mastercard | Visa |
| At a Glance | ||
| Best For | Funded startups and tech companies | Premium travelers seeking maximum value |
| Ratings | ||
| User Rating | 4.3 / 5✗ Lowest | 4.8 / 5★ Highest |
| Editor Score | 8 / 10✗ Lowest | 10 / 10★ Highest |
| Apply Now | Apply | Apply |
| Full Review | View details → | View details → |
| Pros & Cons | ||
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Our verdict: Too close to call
The Brex Card (no annual fee) and the Capital One Venture X Rewards ($395/year) compete on different axes. The Brex Card's strongest category is 8x on Rideshare, 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 Brex Card. At typical spend levels this breaks even somewhere between $11,850 and $23,700 in bonus-category purchases annually. Our model scores these cards effectively even (3-3). Pick the Brex Card if you spend heavily on rideshare; pick the Capital One Venture X Rewards if you spend heavily on hotels & cars (capital one).
Too close to call — pick based on your primary spending category
Dimension-by-dimension
| Dimension | Brex Card | Capital One Venture X Rewards |
|---|---|---|
| Annual Fee | no annual fee | $395/year |
| Base Reward Rate | 1x on everything | 2x on everything |
| Top Bonus Category | 8x on Rideshare | 10x on Hotels & Cars (Capital One) |
| Sign-Up Bonus | Up to 110,000 points for qualifying startups | 75,000 miles after spending $4,000 in 3 months |
| Lounge Access | No | Yes |
| Credit Score Required | good | 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: Brex Card or Capital One Venture X Rewards?
It depends on your spending habits. The Brex Card has no annual fee and earns 1x 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 Brex Card and Capital One Venture X Rewards?
The Brex Card 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 Brex Card and Capital One Venture X Rewards?
Yes, since these cards are from different issuers (Brex and Capital One), you can hold both. Many people pair cards from different banks to maximize bonus category coverage across all their spending.