Capital One Venture X vs Bank of America Premium Rewards
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Capital One Venture X wins 3-1. Premium travel — $395 fee easily offset by $300 travel credit + 10K anniversary miles. Bank of America Premium Rewards is still the right call if boa preferred rewards clients — up to 2.625x with $100k relationship..
Side-by-side
| Criterion | Capital One Venture X | Bank of America Premium Rewards |
|---|---|---|
| Annual fee | · $395 | $95 |
| Joining fee | = None | = None |
| Top reward rate | 10% (travel) | · 2% (travel) |
| Base reward rate | 2% | · 1.5% |
| Forex markup | = No FX fee | = No FX fee |
| Welcome bonus | = 75,000 miles after $4,000 spend in first 3 months | = 60,000 points after $4,000 spend in 90 days |
| Fee waiver threshold | = No waiver | = No waiver |
| Min income | = — | = — |
| Min credit score | = 720 | = 720 |
| Editorial rating | 4.7/5 | · 4.4/5 |
Benefits compared
Capital One Venture X
- 10x miles on hotels + rental cars via Capital One Travel
- 2x miles on every purchase
- $300 annual Capital One Travel credit
- 10,000 miles anniversary bonus (worth $100)
- Unlimited Priority Pass + Capital One Lounges access
- Up to $100 Global Entry/TSA PreCheck credit
Bank of America Premium Rewards
- 2x on travel + dining
- 1.5x on everything else
- Up to 75% bonus for Preferred Rewards (Platinum Honors tier)
- $100 annual airline incidental credit
- $100 Global Entry/TSA PreCheck credit
FAQ
›Capital One Venture X vs Bank of America Premium Rewards: which is better?
Capital One Venture X wins on more dimensions (3 vs 1). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use Capital One Venture X for its best categories, Bank of America Premium Rewards for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Capital One Venture X: 75,000 miles after $4,000 spend in first 3 months. Bank of America Premium Rewards: 60,000 points after $4,000 spend in 90 days.