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COMPARE/CAPITAL ONE VENTURE X VS THE RITZ-CARLTON CREDIT CARD
FIRST CARD
SECOND CARD

Capital One Venture X or The Ritz-Carlton Credit Card?

Capital One Venture X returns $65 over its fee and The Ritz-Carlton Credit Card returns $120, so the fee difference comes down to which categories you use.

Capital One Venture X
Capital One Venture XCapital One · $395 fee · 2 credits
The Ritz-Carlton Credit Card
The Ritz-Carlton Credit CardChase · $450 fee · 2 credits
NET VALUE-$65$330 credits
NET VALUE-$120$330 credits
BEST NET VALUE
Capital One Venture X
CAPITAL ONECapital One Venture X
FEE$395
CREDITS$330
NET-$65
Category wins0 of 1
ADDITIONAL BENEFITS
LOUNGE ACCESS
Capital One Lounge Access
Priority Pass Select
The Ritz-Carlton Credit Card
CHASEThe Ritz-Carlton Credit Card
FEE$450
CREDITS$330
NET-$120
Category wins0 of 1
ADDITIONAL BENEFITS
HOTEL FREE NIGHT CERTIFICATES
Marriott 85k Free Night
LOUNGE ACCESS
Chase Sapphire Lounge Access
Priority Pass Select (No Restaurants)

Where to use each card

CAPITAL ONE VENTURE X
🛫
Airport Lounges48 LOCATIONS
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THE RITZ-CARLTON CREDIT CARD
🛫
Airport Lounges48 LOCATIONS
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Frequently asked questions

Which is better, Capital One Venture X or The Ritz-Carlton Credit Card?

The Capital One Venture X is better with -$65 net annual value compared to the Ritz-Carlton Credit Card at -$120. The Capital One Venture X wins by $55/year.

What's the difference between Capital One Venture X and The Ritz-Carlton Credit Card?

The key differences: The Ritz-Carlton Credit Card has a $450 annual fee and $330 in annual benefits, while Capital One Venture X has a $395 annual fee and $330 in annual benefits. The annual fee difference is $55.

Which has a lower annual fee, Capital One Venture X or The Ritz-Carlton Credit Card?

The Capital One Venture X has a lower annual fee at $395 compared to the Ritz-Carlton Credit Card at $450. However, the Ritz-Carlton Credit Card offers $330 in total annual benefits.

Is the Capital One Venture X worth it compared to the Ritz-Carlton Credit Card?

Yes, the Capital One Venture X offers better value with -$65 net annual value compared to -$120 for the Ritz-Carlton Credit Card. It also has a lower annual fee.

Capital One vs Chase: which issuer is better?

For these specific cards, Capital One's Capital One Venture X offers better value with -$65 net annual value. Consider which issuer's broader ecosystem (transfer partners, redemption options) fits your needs.

Should I get the Capital One Venture X?

If you're deciding between the Capital One Venture X and The Ritz-Carlton Credit Card, the Capital One Venture X is the better choice with -$65 net annual value. However, make sure you can use the key benefits to maximize value. Compare the full benefit breakdown to see which fits your spending better.

Other comparisons

NET VALUE SHOWN FOR EACH
American Express Platinum+$2,109
VS
Chase Sapphire Reserve+$2,348
See the breakdown →
American Express Platinum+$2,109
VS
Capital One Venture X-$65
See the breakdown →
Capital One Venture X-$65
VS
Chase Sapphire Reserve+$2,348
See the breakdown →
American Express Business Platinum+$1,284
VS
Chase Sapphire Reserve for Business+$1,155
See the breakdown →
American Express Delta SkyMiles Reserve-$60
VS
Chase United Quest+$456
See the breakdown →
American Express Gold+$99
VS
American Express Platinum+$2,109
See the breakdown →

MORE CAPITAL ONE VENTURE X COMPARISONS

MORE THE RITZ-CARLTON CREDIT CARD COMPARISONS