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BofA Travel Rewards vs Capital One Venture X

Not credit advice. Facts and math from issuer pages and the CFPB, each with its date. Offers change; approval depends on your credit. Verify on the issuer's site.

Rubric: too close to call (under 3 pts). Scores: BofA Travel Rewards 74.9%, Capital One Venture X 74.3%.

At a sample $1,920/month (groceries $500, dining $300, gas $150, travel $150, online $200, other $400 …): BofA Travel Rewards nets $346/yr, Capital One Venture X nets $66/yr after annual fees. Use your own numbers →

Criterion scores (0–10)

• Annual feeRewards: 10.0 · X: 5.0
• Rewards rateRewards: 6.0 · X: 10
• Sign-up bonusRewards: 3.3 · X: 10
• Intro 0% APRRewards: 7.1 · X: 0.0
• Regular APRRewards: 8.0 · X: 7.0
• Foreign transaction feeRewards: 10.0 · X: 10.0
• Regulatory record (CFPB)Rewards: 8.0 · X: 10.0

Downsides

• BofA Travel Rewards74.9%
  Bank of America · travel
  Annual fee $0APR 17.74%–27.74% variableRewards 1.5% baseCredit 620–719, 720+ (CFPB TCCP targeted tiers)

  ⚠ APR up to 27.74% if you carry a balance · Penalty APR up to 29.99% · Late fee up to $40

• Capital One Venture X74.3%
  Capital One · travel
  Annual fee $395APR 19.74%–28.74% variableRewards 10x Capital One Travel hotels & rental cars; 5x flights & vacation rentals; 2x otherCredit Excellent

  ⚠ $395 annual fee · APR up to 28.74% if you carry a balance · Late fee up to $40

No paid placement. No issuer pays VaultRubric for inclusion or rank; links go to the issuer's own page. Ranks come only from the published rubric below.

FAQ

Which is better, BofA Travel Rewards or Capital One Venture X?

On VaultRubric's rubric: too close to call. The better card for you depends on where you spend; the calculator shows net value for your spending.

Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.