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COMPARE/CAPITAL ONE VENTURE X VS UNITED CLUB
FIRST CARD
SECOND CARD

Capital One Venture X or Chase United Club?

Chase United Club returns $119 over its fee and Capital One Venture X returns $65, so the fee difference comes down to which categories you use.

Capital One Venture X
Capital One Venture XCapital One · $395 fee · 2 credits
Chase United Club
Chase United ClubChase · $695 fee · 5 credits
NET VALUE-$65$330 credits
NET VALUE+$119$814 credits
Capital One Venture X
CAPITAL ONECapital One Venture X
FEE$395
CREDITS$330
NET-$65
Category wins0 of 3
ADDITIONAL BENEFITS
LOUNGE ACCESS
Capital One Lounge Access
Priority Pass Select
BEST NET VALUE
Chase United Club
CHASEChase United Club
FEE$695
CREDITS$814
NET+$119
Category wins3 of 3
ADDITIONAL BENEFITS
LOUNGE ACCESS
United Club Membership
TAKE THE UNITED CLUB IF

You use travel, food & dining, transportation. Food & Dining and Transportation alone are worth $384 here and nothing on the Capital One Venture X.

Where to use each card

CAPITAL ONE VENTURE X
🛫
Airport Lounges48 LOCATIONS
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UNITED CLUB

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Frequently asked questions

Which is better, Capital One Venture X or Chase United Club?

The Chase United Club is better with $119 net annual value compared to the Capital One Venture X at -$65. The Chase United Club wins by $184/year.

What's the difference between Capital One Venture X and Chase United Club?

The key differences: Chase United Club has a $695 annual fee and $814 in annual benefits, while Capital One Venture X has a $395 annual fee and $330 in annual benefits. The annual fee difference is $300.

Which has a lower annual fee, Capital One Venture X or Chase United Club?

The Capital One Venture X has a lower annual fee at $395 compared to the Chase United Club at $695. However, the Chase United Club offers $814 in total annual benefits.

Is the Chase United Club worth it compared to the Capital One Venture X?

Yes, the Chase United Club offers better value with $119 net annual value compared to -$65 for the Capital One Venture X. Even though it has a higher annual fee ($695 vs $395), the Chase United Club provides more total benefits.

Capital One vs Chase: which issuer is better?

For these specific cards, Chase's Chase United Club offers better value with $119 net annual value. Consider which issuer's broader ecosystem (transfer partners, redemption options) fits your needs.

Which card is better for food_and_dining?

The Chase United Club is better for food_and_dining with $240 in annual food_and_dining benefits compared to $0 for the Capital One Venture X.

Should I get the Chase United Club?

If you're deciding between the Capital One Venture X and Chase United Club, the Chase United Club is the better choice with $119 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 UNITED CLUB COMPARISONS