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Capital One VentureOne vs Hilton Honors Amex

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 VentureOne leads by 3.4 pts. Scores: Capital One VentureOne 74.4%, Hilton Honors Amex 71.0%.

At a sample $1,920/month (groceries $500, dining $300, gas $150, travel $150, online $200, other $400 …): Capital One VentureOne nets $288/yr, Hilton Honors Amex nets $460/yr after annual fees. Use your own numbers →

Criterion scores (0–10)

Annual feeVentureOne: 10.0 · Amex: 10.0
Rewards rateVentureOne: 5.0 · Amex: 10
Sign-up bonusVentureOne: 2.7 · Amex: n/a
Intro 0% APRVentureOne: 7.1 · Amex: 0.0
Regular APRVentureOne: 7.3 · Amex: 7.0
Foreign transaction feeVentureOne: 10.0 · Amex: 10.0
Regulatory record (CFPB)VentureOne: 10.0 · Amex: 10.0

Capital One VentureOne

IssuerCapital One
Typeno annual fee
Annual fee$0 capitalone.com, 2026-10-12
Regular purchase APR18.74%–28.74% variable capitalone.com, 2026-10-12
Rewards1.25% base capitalone.com, 2026-10-12
Sign-up bonus (≈$)$200 20,000 bonus miles after $500 in 3 months (valued at 1¢) capitalone.com, 2026-10-12
Intro APR15 months 0% intro APR for 15 months on purchases and balance transfers capitalone.com, 2026-10-12
Foreign transaction feenone files.consumerfinance.gov, 2025-12-31
Penalty APRnone No penalty APR appears in the issuer's CFPB-filed agreement (only penalty fees are listed) consumerfinance.gov, 2026-06-30
Late feeup to $40 up to; Up to $29.00 for first late fee. files.consumerfinance.gov, 2025-12-31
Balance transfer fee3% files.consumerfinance.gov, 2025-12-31
Cash advance fee5% files.consumerfinance.gov, 2025-12-31
Credit needed720+ (CFPB TCCP targeted tiers) files.consumerfinance.gov, 2025-12-31
Grace period25 days files.consumerfinance.gov, 2025-12-31
Cash advance APR29.24% files.consumerfinance.gov, 2025-12-31
CFPB survey APR (2025-12-31)18.74%–29.24% files.consumerfinance.gov, 2025-12-31 older; issuer figure above is newer

Hilton Honors Amex

IssuerAmerican Express
Typeno annual fee
Annual fee$0 americanexpress.com, 2026-10-12
Regular purchase APR19.74%–28.74% variable americanexpress.com, 2026-10-12
Rewards3% base; 5% dining; 5% gas; 5% groceries americanexpress.com, 2026-10-12
Sign-up bonus (≈$)not found americanexpress.com, 2026-10-12
Intro APRnone No intro APR shown americanexpress.com, 2026-10-12
Foreign transaction feenone files.consumerfinance.gov, 2025-12-31
Penalty APRPrime + 26.74% Variable: Prime Rate + 26.74% per Amex agreement rate table consumerfinance.gov, 2026-06-30
Late feeup to $40 up to (first and repeat late fee) files.consumerfinance.gov, 2025-12-31
Balance transfer feenot found files.consumerfinance.gov, 2025-12-31
Cash advance fee5% files.consumerfinance.gov, 2025-12-31
Credit needed720+ (CFPB TCCP targeted tiers) files.consumerfinance.gov, 2025-12-31
Grace period25 days files.consumerfinance.gov, 2025-12-31
Cash advance APR29.49% files.consumerfinance.gov, 2025-12-31
CFPB survey APR (2025-12-31)19.49%–29.24% files.consumerfinance.gov, 2025-12-31 older; issuer figure above is newer

Downsides

Capital One VentureOne74.4%
Capital One · no annual fee
Annual fee $0APR 18.74%–28.74% variableRewards 1.25% baseCredit 720+ (CFPB TCCP targeted tiers)
⚠ APR up to 28.74% if you carry a balance · Late fee up to $40
Hilton Honors Amex71.0%
American Express · no annual fee
Annual fee $0APR 19.74%–28.74% variableRewards 3% base; 5% dining; 5% gas; 5% groceriesCredit 720+ (CFPB TCCP targeted tiers)
⚠ APR up to 28.74% if you carry a balance · Penalty APR Prime + 26.74% (variable) · 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, Capital One VentureOne or Hilton Honors Amex?

On VaultRubric's rubric: Capital One VentureOne 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.