Compare Cards: Bank of America® Premium Rewards® Elite Credit Card vs. Bank of America® Premium Rewards® Credit Card vs. Capital One Venture X Rewards Credit Card

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Earning Rates	Bank of America® Premium Rewards® Elite Credit Card Bank of America cash-backlounge-accesspremium Details	Bank of America® Premium Rewards® Credit Card Bank of America cash-backpremium Details	Capital One Venture X Rewards Credit Card Capital One premiumtravellounge-accesstransferable Details
First-year value Welcome offer + annual credits − annual fee	+$770	+$705	+$1,150
Annual Fee	$550	$95	$395
Credit Required	Excellent	Excellent	Excellent
Foreign Fee	Waived	Waived	Waived
Welcome Offer	75,000 pts Earn 75,000 bonus points (a $750 value) after making at least $3,000 in purchases in the first 90 days. Spend $3,000 in 3 mo	60,000 pts Earn 60,000 online bonus points (a $600 value) after making at least $3,000 in purchases in the first 90 days. Spend $3,000 in 3 mo	75,000 pts Earn 75,000 bonus miles after spending $4,000 on purchases within the first 3 months from account opening. Spend $4,000 in 3 mo
Network	visa	visa	visa
Earning Rates
Dining	—	2× 2x points on dining purchases	—
Flights	—	—	5× Earn 5X miles on flights and vacation rentals booked through Capital One Travel
Other	1.5× Unlimited 1	1.5× 1	2× Earn 2X miles on every purchase (official Capital One page: "double miles on every purchase")
Travel	—	2× 2x points on travel purchases (directly-booked travel, airlines, hotels, etc	10× Earn 10X miles on hotels and rental cars booked through Capital One Travel
Travel & Dining	2× Unlimited 2x points on travel and dining purchases	—	—
Benefits & Credits	Annual Credits Airline Incidental Credit - Up to $300/year on airline incidentals (seat upgrades, baggage fees, lounge fees) Lifestyle Credit - Up to $150/year on select streaming services, food delivery, fitness subscriptions, and rideshare Global Entry / TSA PreCheck Credit - Up to $120 statement credit for Global Entry or TSA PreCheck membership, every 4 years Lounge Access 0 Other Benefits No Foreign Transaction Fees: No foreign transaction fees FHR Eligible: Fine Hotels & Resorts program eligible (for high-balance BofA clients)	Annual Credits Airline Incidental Statement Credit - Up to $100 in annual statement credits for qualifying airline incidental purchases such as seat upgrades, baggage fees, in-flight services, and airline lounge fees Global Entry / TSA PreCheck Credit - Up to $100 statement credit every four years for Global Entry or TSA PreCheck application fees charged to the card Other Benefits No Foreign Transaction Fees: No foreign transaction fees	Annual Credits Capital One Travel Credits - $300/year on bookings through Capital One Travel Global Entry / TSA PreCheck - Up to $120 statement credit every 4 years for Global Entry or TSA PreCheck application fee Lounge Access 0 1 Other Benefits Visa Infinite Benefits: Includes trip cancellation/interruption insurance, trip delay reimbursement, lost luggage reimbursement, and other Visa Infinite protections
Insurance	Trip Cancellation Trip Delay Primary Purchase Protection Extended Warranty	Trip Delay Primary Purchase Protection Extended Warranty	Trip Cancellation Trip Delay Primary Purchase Protection Return Protection Extended Warranty