Why I Downgraded My Venture X ($395) to the Venture Card ($95) At one point, the Capital One Venture X was one of the best premium travel cards in my wallet. But recently, I made the decision to downgrade it to the Capital One Venture Rewards card. This wasn’t because the Venture X is a bad card. It’s actually a great product. But it no longer fits my overall strategy. My New Goal: Reduce Annual Fees Over time, I realized I was carrying: That’s thousands of dollars in annual fees. And while each card “technically pays for itself,” the real question became: Why I Didn’t Cancel — I Downgraded Instead…