Citi
Citi Double Cash Card
Credit cards
$0/yrAnnual fee
Explore this product Your shortlist, side by side
Citi Double Cash Card vs Capital One Venture Rewards Credit Card
Find the differences that matter for your next decision.
Capital One
Capital One Venture Rewards Credit Card
Credit cards
$95/yrAnnual fee
Explore this product What matters most to you?
Start with all rankable specifications, or focus on a particular use.
Your starting point
Tied overall. Citi Double Cash Card charges less a year.
- The 4 rankable overall specs split 2 to 2.
- Saves $95 a year in fees.
How we reached this
We compare the published specifications relevant to your priority. Each rankable specification counts once; your selected requirements can rule a product out. This is a guide to the numbers, not a laboratory performance score.
The trade-off to know
Check first: the Citi Double Cash Card has foreign transaction fee.
Look at the differences ↓Refine your requirements
What would rule one out?
Side by side
The differences, in detail.
Start with the key specs, then explore as much as you need.
| What you’re comparing | Citi Double Cash Card | Capital One Venture Rewards Credit Card |
|---|---|---|
| Annual feeFees & Rates | $0 (No annual fee) | $95 |
| Regular APRFees & Rates | 19.24% – 29.24% Variable APR | 19.99% – 29.74% Variable APR |
| Foreign transaction feeFees & Rates | 3% of each transaction in U.S. dollars | None (0%) |
| Late feeFees & Rates | Up to $41 | Up to $40 |
| Rewards rateRewards & Perks | 2% cash back (1% when you buy + 1% as you pay off purchases) | 2X miles on every purchase, every day; 5X miles on hotels and rental cars booked through Capital One Travel |
Showing 5 of 10 specifications. Missing values stay unlisted. About the sources
Both sides of the decision
What you gain. What you give up.
Citi Double Cash Card
Reasons to choose it
- Effective 2% flat cash back with no category tracking or spending caps
- No annual fee
- Earns transferable Citi ThankYou points convertible to cash back or travel
Worth considering
- 3% foreign transaction fee makes it poor for international travel
- No built-in travel perks or insurance protections
Capital One Venture Rewards Credit Card
Reasons to choose it
- Unlimited 2X miles on every purchase with no category tracking
- $100 Global Entry / TSA PreCheck application fee credit
- No foreign transaction fees and flexible miles redemption
Worth considering
- $95 annual fee
- Does not include the airport lounge access of the Venture X
Beyond the spec sheet
Living with your choice.
Explore the ownership details available for this pair.
What three years could cost
Citi Double Cash Card
3-Year Estimated Total$0
Capital One Venture Rewards Credit Card
3-Year Estimated Total$285
Know what’s behind the comparison
Published specs. Visible sources.
Clinchmark compares manufacturer specifications and other published information. We have not independently lab-tested these products. Editorial assessments and unknown values are identified in the specification details.
Catalog snapshot: September 1, 2026. Prices, availability, and provider terms can change.
Still weighing it up?
Which card has the lower annual fee, Citi Double Cash Card or Capital One Venture Rewards Credit Card?
Citi Double Cash Card charges $95 a year less.
What is the biggest catch with the Citi Double Cash Card or Capital One Venture Rewards Credit Card?
Capital One Venture Rewards Credit Card has this deal-breaker: annual fee. You pay before a single reward is earned.
Which is better for travel, the Citi Double Cash Card or the Capital One Venture Rewards Credit Card?
Tied on travel. Citi Double Cash Card charges less a year. The 2 rankable travel specs split 1 to 1. Saves $95 a year in fees.
What cannot be compared from spec sheets?
Of the 10 specs tracked here, 6 are descriptive and cannot be ranked on numbers alone. Spec sheets also cannot measure subjective factors like build quality, real-world performance, or comfort.