Capital One Venture X Rewards Credit Card vs. United℠ Explorer Card
Side-by-side comparison · Updated 2026 · Independently reviewed
Capital One Venture X Rewards Credit Card
Capital One
4.7
2x miles on everything. $300 travel credit. Premium perks.
Full review →
United℠ Explorer Card
Chase
4.2
Free 1st + 2nd checked bags. 60,000-mile bonus. 2x on United, dining, hotel.
Full review →WealthSpott Verdict
Capital One Venture X Rewards Credit Card and United℠ Explorer Card are closely matched. The right choice depends on your top spending categories and whether you'll use each card's perks.
Feature
Capital One Venture
United℠ Explorer Card
Annual Fee
$395/yr
$95/yr Best
Sign-up Bonus
75,000 miles
60,000 miles
Rewards Rate
2x-10x
1x-2x
Rewards Type
Miles
Miles
0% Intro APR
N/A
N/A
Regular APR
19.99%-29.99% Variable Best
22.49%-29.49% Variable
Foreign Transaction Fee
None
None
Recommended Credit Score
670-850
670-850
Capital One Venture X Rewards Credit Card
Pros
- $300 annual travel credit offsets fee
- 2x miles on every purchase
- Premium perks: lounge access, TSA PreCheck credit
Cons
- $395 annual fee
- Best for frequent travelers
United℠ Explorer Card
Pros
- Free first and second checked bags on United
- 60,000-mile sign-up bonus
- Two United Club passes per year
- 2x on United, dining, and hotels
Cons
- $95 annual fee
- Miles tied to United/Star Alliance
- Standard 1x earning on non-bonus purchases
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