Capital One Venture X Rewards vs IHG One Rewards Premier Credit Card
Head-to-head comparison of every feature, fee, and perk
At a Glance
Annual Fee
$395
vs
$99
Base Rewards
2x
vs
3x
Sign-Up Bonus
$750
vs
$700
Editor Score
10/10
vs
8/10
Detailed Comparison
| Category wins | 4/6 | 2/6 |
| Fees & APR | ||
| Annual Fee | $395✗ Highest | $99★ Lowest |
| Purchase APR | 19.99% – 29.99% | 21.49% – 28.49% |
| Intro APR (Purchases) | ||
| Intro APR (Balance Transfer) | ||
| Foreign Txn Fee | None★ Lowest | None |
| Balance Transfer Fee | None | 5% |
| Rewards | ||
| Rewards Type | Miles | Points |
| Base Rewards Rate | 2x✗ Lowest | 3x★ Highest |
| Bonus Categories | 10x Hotels & Cars (Capital One) · 5x Flights (Capital One) | 26x IHG Hotels · 5x Travel · 5x Dining |
| Sign-Up Bonus | $750 value★ Highest | $700 value✗ Lowest |
| Eligibility | ||
| Credit Score | Excellent (750+) | Good (670-749) |
| Network | Visa | Mastercard |
| At a Glance | ||
| Best For | Premium travelers seeking maximum value | IHG hotel loyalists who stay a few times per year |
| Ratings | ||
| User Rating | 4.8 / 5★ Highest | 4.3 / 5✗ Lowest |
| Editor Score | 10 / 10★ Highest | 8 / 10✗ Lowest |
| Apply Now | Apply | Apply |
| Full Review | View details → | View details → |
| Pros & Cons | ||
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Our verdict: IHG One Rewards Premier Credit Card
The Capital One Venture X Rewards ($395/year) and the IHG One Rewards Premier Credit Card ($99/year) compete on different axes. The Capital One Venture X Rewards's strongest category is 10x on Hotels & Cars (Capital One), while the IHG One Rewards Premier Credit Card leads with 26x on IHG Hotels. The Capital One Venture X Rewards costs $296 more per year, so you need at least $296 in incremental rewards to justify it over the IHG One Rewards Premier Credit Card. At typical spend levels this breaks even somewhere between $8,880 and $17,760 in bonus-category purchases annually. Our scoring model gives the edge to the IHG One Rewards Premier Credit Card — 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 | Capital One Venture X Rewards | IHG One Rewards Premier Credit Card |
|---|---|---|
| Annual Fee | $395/year | $99/year |
| Base Reward Rate | 2x on everything | 3x on everything |
| Top Bonus Category | 10x on Hotels & Cars (Capital One) | 26x on IHG Hotels |
| Sign-Up Bonus | 75,000 miles after spending $4,000 in 3 months | 140,000 IHG points after spending $3,000 in 3 months |
| Lounge Access | Yes | No |
| Credit Score Required | excellent | good |
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: Capital One Venture X Rewards or IHG One Rewards Premier Credit Card?
It depends on your spending habits. The Capital One Venture X Rewards has a $395 annual fee and earns 2x base rewards. The IHG One Rewards Premier Credit Card has a $99 annual fee and earns 3x base rewards. Compare their bonus categories above to see which aligns better with your spending.
What is the annual fee difference between Capital One Venture X Rewards and IHG One Rewards Premier Credit Card?
The Capital One Venture X Rewards has a $395 annual fee while the IHG One Rewards Premier Credit Card has a $99 annual fee. The Capital One Venture X Rewards costs $296 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 Capital One Venture X Rewards and IHG One Rewards Premier Credit Card?
Yes, since these cards are from different issuers (Capital One and Chase), you can hold both. Many people pair cards from different banks to maximize bonus category coverage across all their spending.