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Navy Federal Flagship 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: Capital One Venture X leads by 9.7 pts. Scores: Navy Federal Flagship Rewards 64.6%, Capital One Venture X 74.3%.

At a sample $1,920/month (groceries $500, dining $300, gas $150, travel $150, online $200, other $400 …): Navy Federal Flagship Rewards nets $261/yr, Capital One Venture X nets $66/yr after annual fees. Use your own numbers →

Criterion scores (0–10)

• Annual feeRewards: 8.0 · X: 5.0
• Rewards rateRewards: 5.5 · X: 10
• Sign-up bonusRewards: 6.7 · X: 10
• Intro 0% APRRewards: 0.0 · X: 0.0
• Regular APRRewards: 10 · X: 7.0
• Foreign transaction feeRewards: 10.0 · X: 10.0
• Regulatory record (CFPB)Rewards: n/a · X: 10.0

Downsides

• Navy Federal Flagship Rewards64.6%
  Navy Federal · travel
  Annual fee $95APR 15.74%–18.0% variableRewards 1% base; 4% travel; 3% diningCredit no credit score, ≤619, 620–719, 720+ (CFPB TCCP targeted tiers)

  ⚠ $95 annual fee · Penalty APR up to 18.0% · Late fee up to $20

• 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, Navy Federal Flagship Rewards 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.