Home › Credit cards › Compare › Capital One Venture X vs IHG One Rewards Premier

Capital One Venture X vs IHG One Rewards Premier

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: Capital One Venture X leads by 6.7 pts. Scores: Capital One Venture X 74.3%, IHG One Rewards Premier 67.6%.

At a sample $1,920/month (groceries $500, dining $300, gas $150, travel $150, online $200, other $400 …): Capital One Venture X nets $66/yr, IHG One Rewards Premier nets $379/yr after annual fees. Use your own numbers →

Criterion scores (0–10)

• Annual feeX: 5.0 · Premier: 5.0
• Rewards rateX: 10 · Premier: 10
• Sign-up bonusX: 10 · Premier: n/a
• Intro 0% APRX: 0.0 · Premier: 0.0
• Regular APRX: 7.0 · Premier: 7.3
• Foreign transaction feeX: 10.0 · Premier: 10.0
• Regulatory record (CFPB)X: 10.0 · Premier: 10.0

Downsides

• 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

• IHG One Rewards Premier67.6%
  Chase · travel
  Annual fee $99 (CFPB TCCP; issuer page did not render a clear fee)APR 19.49%–27.99% variableRewards 3% base; 5% travel; 5% dining; 5% groceries; 5% gasCredit 620–719, 720+ (CFPB TCCP targeted tiers)

  ⚠ $99 annual fee (CFPB TCCP; issuer page did not render a clear fee) · APR up to 27.99% if you carry a balance · Penalty APR up to 29.99%

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, Capital One Venture X or IHG One Rewards Premier?

On VaultRubric's rubric: Capital One Venture X scores higher. 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.