The Capital One Venture X Rewards edges out the Citi Thank You for most cardholders — it wins on 3 of 4 comparison categories and offers 75,000 pts signup bonus earns more (up to 10x vs 5x). The Citi Thank You is the better choice if you want no or lower annual fee.
Capital One Venture X Rewards vs Citi Thank You
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
Comparison Method
CardCurator compares measurable differences first: annual fee, current welcome offer, top-end earning, and recurring credits. If the cards are close, the right answer depends on spending pattern and perk usage rather than headline prestige.
- Hotels (Capital One Travel) 10x
- Rental Cars (Capital One Travel) 10x
- Flights (Capital One Travel) 5x
- Gas Stations 5x
- All Other Purchases 1x
- Annual Travel Credit $300
- Global Entry/TSA PreCheck Credit $120
- Capital One Lounge Access
- Priority Pass Select
- 10,000 Anniversary Bonus Miles
- +2 more
- British Airways Executive Club
- JAL Mileage Bank
- Qatar Avios
- I Prefer Hotel Rewards
- Flying Blue
- +15 more
- AAdvantage
- AAdvantage
- Accor Live Limitless
- Accor Live Limitless
- Avianca LifeMiles
- +33 more
Quick summary
A short version of the comparison with the main differences at a glance.
The Capital One Venture X Rewards edges out the Citi Thank You for most cardholders — it wins on 3 of 4 comparison categories and offers 75,000 pts signup bonus earns more (up to 10x vs 5x). The Citi Thank You is the better choice if you want no or lower annual fee. On raw upside, Capital One Venture X Rewards tops out at 10x versus 5x for Citi Thank You. Current signup bonus values are roughly $750 for Capital One Venture X Rewards and $0 for Citi Thank You. Updated May 28, 2026. Source: https://cardcurator.ai/compare/capital-one-venture-x-rewards-vs-citi-thank-you
- Capital One Venture X Rewards wins 3 of 4 comparison categories in CardCurator's quick verdict model.
- Top earn rate: Capital One Venture X Rewards reaches 10x; Citi Thank You reaches 5x.
- Annual fee: Capital One Venture X Rewards is $395/yr; Citi Thank You is no annual fee.
- Current public bonus values are approximately $750 and $0.
Common Questions: Capital One Venture X Rewards vs Citi Thank You
Is the Capital One Venture X Rewards or Citi Thank You better for dining?
Neither card offers a specific dining bonus — both earn their base rate on restaurant purchases.
Which has the higher signup bonus in 2026?
Capital One Venture X Rewards currently offers 75,000 pts signup bonus (spend $4,000 in 3 months). Citi Thank You offers no current bonus. Capital One Venture X Rewards has the larger bonus.
Which card is better for international travel?
Both cards charge no foreign transaction fees, making either a solid choice for international travel.
Can I hold both the Capital One Venture X Rewards and the Citi Thank You?
In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Capital One Venture X Rewards is from Capital One and Citi Thank You is from Citi, so they're governed by separate bank policies.