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

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

Criterion scores (0–10)

• Annual feePremier: 5.0 · X: 5.0
• Rewards ratePremier: 10 · X: 10
• Sign-up bonusPremier: n/a · X: 10
• Intro 0% APRPremier: 0.0 · X: 0.0
• Regular APRPremier: 7.3 · X: 7.0
• Foreign transaction feePremier: 10.0 · X: 10.0
• Regulatory record (CFPB)Premier: 10.0 · X: 10.0

Downsides

• 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%

• 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, IHG One Rewards Premier or Capital One Venture X?

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.