Bank of America Premium Rewards Credit Card vs Capital One Venture X Rewards: Which Earns More?
The verdict
On typical spending the Bank of America Premium Rewards Credit Card nets $363 a year after fees, $182 more than the Capital One Venture X Rewards at $181. That flips at about $6,090/month of spending, where the Capital One Venture X Rewards takes the lead.
Who earns more, by the numbers
| Spending level | Bank of America Premium Rewards Credit Card | Capital One Venture X Rewards | Winner |
|---|---|---|---|
| Light spender ($1,200/mo) | $134/yr | −$107/yr | Bank of America Premium Rewards Credit Card |
| Typical spender ($2,400/mo) | $363/yr | $181/yr | Bank of America Premium Rewards Credit Card |
| Heavy spender ($4,500/mo) | $764/yr | $685/yr | Bank of America Premium Rewards Credit Card |
Net of annual fees, typical category mix at baseline point values. The winner flips at about $6,090/month of spending.
Bank of America Premium Rewards Credit Card
Bank Of America
2.7/5
Annual Fee:$95
APR:19.99%–27.99% variable
Welcome Bonus: 60,000 points ($600 value) after $4,000 spend in first 90 days
Rewards: 2X points on travel/dining, 1.5X on everything else
EARNS MORE ON TYPICAL SPEND
Capital One Venture X Rewards
Capital One
2.8/5
Annual Fee:$395
APR:19.49%-28.49% variable
Welcome Bonus: 75,000 bonus miles after spending $4,000 in the first 3 months
Rewards: 10X miles on hotels and rental cars via Capital One Travel, 5X miles on flights via Capital One Travel, 2X miles on everything else
The tables above are computed from each card's typed rewards rates and current
fees, on the same spending profiles used across the site. Editorial context to
follow.
FAQ
Which is better, the Bank of America Premium Rewards Credit Card or the Capital One Venture X Rewards?▼
On typical spending the Bank of America Premium Rewards Credit Card nets $363 a year after fees, $182 more than the Capital One Venture X Rewards at $181. That flips at about $6,090/month of spending, where the Capital One Venture X Rewards takes the lead.
What is the annual fee difference between the Bank of America Premium Rewards Credit Card and the Capital One Venture X Rewards?▼
The Bank of America Premium Rewards Credit Card charges $95, versus $395 for the Capital One Venture X Rewards — a $300 difference every year.
Which has the better welcome bonus?▼
The Capital One Venture X Rewards, at 75,000 miles (~$750) as of 2026-07-29. Bonuses change often — each card's page carries the date we last recorded it.