We're pitting affordable luxury against the most expensive business card from the major issuers. How do they stack up against each other?

Capital One hits cardholders with a steep $395 annual fee — however, users were willing to pay that since the card offered them many benefits, including complimentary access to airport lounges.

In contrast, the Capital One Venture X Rewards Credit Card has a lower annual fee of $395, but comes with an annual $300 travel credit for any travel booked through Capital One’s travel portal.

The Capital One Venture X is one of my favorite travel credit cards because perks like Priority Pass and lounge access outweigh the annual fee.

Capital One Venture X cardholders will still be able to access airport lounges after February 1, 2026. The biggest difference is that any authorized users on your account will no longer enjoy the ...