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  1. Credit Cards
  2. Capital One Venture X Rewards Credit Card
Capital One

Capital One Venture X Rewards Credit Card

The Capital One Venture X is built for travelers who want a premium card that still works well for everyday spending. Its strongest appeal is simple: you get a solid 2x miles on everything, then much higher rates on travel booked through Capital One Travel, plus enough ongoing travel perks to make it feel like a card you can keep and actually use regularly.

Welcome Offer
Earn 75,000 Miles
Annual Fee
$395
Rec. Credit Score
Excellent
Good For
Frequent travelers
How to Apply
Capital One Venture X Rewards Credit Card

MaxRewards may receive a commission from card issuers. Some or all of the card offers that appear on MaxRewards are from advertisers and may impact how and where card products appear on the site. MaxRewards does not include all card companies or all available card offers. Compensation may be earned when a customer clicks on a link, when an application is approved, or when an account is opened.

Terms Apply.

Is the Capital One Venture X Rewards Credit Card worth it?

This card is great for...

Airport lounge access

Everyday non-bonus spending

Capital One Travel bookings

Yes, for travelers who will use the $300 annual travel credit and value the 10,000-mile anniversary bonus, Venture X is one of the easier premium cards to justify. Those two benefits alone go a long way toward offsetting the $395 annual fee, and the lounge access, Global Entry or TSA PreCheck credit, and travel protections add real day-to-day value for people who fly a few times a year or more.

It is a weaker fit if you rarely travel, do not want to book through Capital One Travel, or prefer cash back over travel rewards. The card's headline value depends on using its travel ecosystem. If that works for your habits, Venture X is a practical premium travel card. If not, a lower-fee travel card or a simple cash-back card will likely make more sense.

MaxRewards

MaxRewards Verdict

The Venture X makes the most sense for travelers who want premium perks without giving up a strong flat-rate return on everyday purchases. Its main limitation is that much of the card's value runs through Capital One Travel, so it fits best if you are comfortable booking there.

Welcome Offer

Earn 75,000 Miles when you spend $4,000 on purchases in the first 3 months from account opening

≈ $375–$1,388

What 75,000 Miles could be worth, based on how you redeem

  • Transfer to airline/hotel partners
    Mostly 1:1, ~22 partners (18 airlines + 4 hotels). A few are worse: Emirates/EVA/JAL 2:1.5, JetBlue 5:3, Accor 2:1; I Prefer is 1:2.
    ≈ $1,388
    ≈ 1.85¢ per mile
  • Capital One Travel portal
    $750
    1¢ per mile
  • Cover travel purchases (purchase eraser)
    Covers travel purchases from the last 90 days
    $750
    1¢ per mile
  • Gift cards / shopping (Amazon, PayPal)
    $600
    0.8¢ per mile
  • Cash back
    $375
    0.5¢ per mile

Required Spend

$4,000

Time Frame

3 Months

Required Spend

$4,000

Time Frame

3 Months

What's your average monthly spend?

$1,400

You should easily hit the bonus threshold with this spend!

Rewards

Rewards percent based on a valuation of 1¢ per Capital One mile

Venture X earns Capital One miles, with a simple floor of 2x miles on every purchase and bigger returns on select travel booked through Capital One Travel. In practice, that makes it easy to use as both an everyday card and a travel booking card, without needing to track a long list of bonus categories.

CategoryEst. yearly spendRateRewards

Hotels (Capital One Travel), Rental Cars (Capital One Travel)

Est. yearly spend
Rate10%
Rewards$0

Flights (Capital One Travel), Vacation Rentals (Capital One Travel)

Est. yearly spend
Rate5%
Rewards$0

Every Purchase

Est. yearly spend
Rate2%
Rewards$0

Est. Annual Rewards

$0

Benefits

$0 / $502
|

The value story here is not just lounge access and premium branding. Venture X has a few core perks that can meaningfully offset the annual fee, especially the annual travel credit and anniversary miles, with the rest of the travel benefits becoming more useful the more often you fly.

Enrollment is required for select benefits

Automatically track your credits with MaxRewards

Our app automatically tracks valuable credits so you don't miss any rewards.

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Capital One Venture X Rewards Credit CardAnniversary Bonus
Autotracked
$0 of $100Every 12 months

Credits

PRIOR subscription

Access extraordinary travel experiences and content with a complimentary PRIOR Subscription. Explore more of the world through expertly curated destination guides, 2 weekly subscriber-only newsletters and early access to exclusive experiences.

Insurance

Auto rental collision coverage

Get reimbursed for damage or theft when you pay for a rental car with the Venture X card. Visa Infinite: Certain terms, conditions, and exclusions apply. See Visa Infinite Guide to Benefits for details.


Cell Phone Protection

Protect your cell phone every time you pay your bill with your Venture X card. If it's stolen or damaged, you'll get reimbursed up to $800. Certain terms, conditions and exclusions apply.


Price drop protection

We’re so confident in our prices, that if you book when we recommend, we'll keep watching the price for 10 days. If it drops, we’ll give you up to $50 in travel credit to help cover the difference.

Status & Access

Capital One Lounges

Venture X primary cardholders can enjoy access to Capital One Lounge and Landing locations. Access to lounges includes access to Capital One Lounges and available participating Priority Pass™ lounges worldwide. To access Capital One Lounges, eligible cardholders must present their physical Venture X card or digital lounge pass, found within the Capital One Mobile app. Access is not guaranteed and is subject to space availability. In order to access Priority Pass lounges, eligible cardholders will need to enroll. To learn more about lounge access policies, please visit the applicable Terms and Conditions for additional details.


Priority Pass™ Lounges

Venture X primary cardholders can enjoy access to 1,300+ participating lounges worldwide from Priority Pass. Access to lounges includes access to Capital One Lounges and available participating Priority Pass™ lounges worldwide. To access Capital One Lounges, eligible cardholders must present their physical Venture X card or digital lounge pass, found within the Capital One Mobile app. Access is not guaranteed and is subject to space availability. In order to access Priority Pass lounges, eligible cardholders will need to enroll. To learn more about lounge access policies, please visit the applicable Terms and Conditions for additional details.


Premier Collection

Elevate your stay at luxury hotels, resorts, and vacation rentals from the Premier Collection with a $100 experience credit and other premium benefits on every booking. Hotels: Premier Collection hotel experience credit will be applied at checkout by hotel to qualifying charges up to $100 USD or the local currency equivalent. Lifestyle Collection hotel experience credit will be applied at checkout by hotel to qualifying charges up to $50 USD or the local currency equivalent. Qualifying charges vary by location, are subject to availability, and must be charged to your room during your eligible stay. Contact the hotel directly to confirm qualifying experiences - advance reservations recommended for certain experiences. In addition to the experience credit, other benefits available to eligible cardholders for Premier Collection and Lifestyle Collection hotel bookings include: daily breakfast for two (for Premier Collection bookings only), complimentary Wi-Fi, and (when available) room upgrades, early check-in and late checkout. Benefits applied per room, per stay. Hotel terms and conditions apply; a minimum number of nights may be required by the hotel for booking. Vacation Rentals: Premier Collection vacation rental experience credit will be applied at time of booking the experience by the host provider to qualifying experience charges up to $100 USD or the local currency equivalent. Experiences must be booked with a Capital One credit card. Qualifying experience credit options vary by location and are subject to availability; contact the host provider directly to confirm qualifying experiences. For certain properties, the experience credit will be provided in the form of a gift card. Advance reservations recommended for certain experiences. In addition to the experience credit, other benefits available to eligible cardholders for Premier Collection and Lifestyle Collection vacation rental bookings include: complimentary Wi-Fi, and (when available) early check-in and late checkout. Benefits applied per stay. Back-to-back bookings of the same property within a 24-hour period will be considered one reservation and are not eligible for double benefits. Host provider terms and conditions apply; a minimum number of nights may be required by the host for booking. Both Hotel and Vacation Rentals: Premier Collection or Lifestyle Collection booking must be made through Capital One Travel in the eligible cardholder's name, with the cardholder as a member of party traveling, to qualify for benefits. Benefits cannot be redeemed for cash or combined with other offers unless specified. Participating properties and benefits are subject to change. Offer valid for customer use only unless otherwise permitted. We may disqualify any cardholder from participation and benefits at our sole discretion. Additional terms apply; see travel.capitalone.com/terms-of-service for details.


Hertz President's Circle® status

Skip the rental counter and enjoy the widest selection of cars with a complimentary upgrade. Eligible cardholders must enroll in the Hertz® Gold+™ Rewards status upgrade through the unique Benefits Tab link found within the Capital One website or mobile app after logging in. This offer is subject to change. Hertz Gold Terms and Rental Qualifications and Requirements apply. Click here for more benefit and eligibility information.

Other

The Cultivist

Unlock the world of art. Get access to over 60 of the world's best museums with 50% off the Enthusiast membership to The Cultivist for up to 2 years. Eligible Venture X cardholders who complete the required steps to enroll will receive a complimentary PRIOR Subscription. The discount cannot be applied to subscriptions purchased before 11/15/2022. This offer may not be combined with other offers or discounts. Your account must be open and in good standing to be eligible for this offer. If your account closes, or if you upgrade or change your account to another Capital One credit card, you may not be eligible for this offer. If your subscription terminates prior to the end of the subscription period, any discounts or other benefits made available though this offer will end. This offer is non-transferrable. We reserve the right to alter, change or terminate this offer at any time without notice, and we reserve the right to disqualify any account holder from this offer without notice in the event of fraud or suspected fraud, abuse of program privileges, or violation of these terms as determined at our discretion. Additional terms apply. The Cultivist membership offer and experiences are subject to Terms and Conditions. Enrollment required. Your membership will auto-renew every year and your card on file will be charged, unless you cancel your membership prior to your membership renewal date. See auto-renewal terms in the Terms and Conditions for complete details. By clicking on this link, you will be taken to a site maintained by The Cultivist. Cultivist is a registered trademark.


Price match guarantee

If you book your trip through Capital One Travel and then find a better price on another site within 24 hours, let us know and you’ll get a travel credit for the difference.


Airport Butler discount

Get a $75 discount every time you book airport meet and greet services with Airport Butler. Receive dedicated airport assistance exactly when you need it throughout your journey - your personal Airport Butler concierge can greet you curbside or at your gate, help navigate the busy terminal and stay by your side until your departure. Terms apply.

Recommended Minimum Credit

Min: Excellent
Poor
Fair
Good
Excellent

Excellent credit or higher is recommended for this card.

Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.

Rates & Fees

Annual Fee

$395

Purchase APR

19.49% - 28.49%

Variable

Transfer APR

19.49% - 28.49%

Variable

Cash Advance APR

28.49%

Variable

Foreign Transaction Fee

None

Balance Transfer

None

Cash Advance

$5

Late Payment

$40

Frequently Asked Questions

The card comes with an annual $300 statement credit for bookings made through the Capital One Travel portal. This covers flights, hotels, rental cars, and vacation rentals. The credit automatically applies to eligible bookings. When fully used, the $300 credit offsets the majority of the $395 annual fee.

The Capital One Venture X gives primary cardholders access to over 1,300 lounges worldwide, including Capital One Lounges, Capital One Landings, and participating Priority Pass lounges. Capital One Lounges are currently located in Dallas, Denver, Las Vegas, New York (JFK), and Washington D.C. It's worth noting that as of February 2026, authorized users must pay a fee to access lounges.

Yes, one of the Venture X's biggest strengths is the ability to transfer miles to over 15 airline and hotel loyalty partners, nearly all at a 1:1 ratio. Popular transfer partners include Air Canada Aeroplan, Turkish Airlines, Avianca LifeMiles, and Marriott Bonvoy. Transferring to airline partners is generally considered the best way to maximize the value of your miles.

Both cards are premium travel cards with lounge access, travel credits, and strong rewards, but they differ in cost and complexity. The Venture X offers a lower $395 annual fee and a simpler flat-rate rewards structure, while the Chase Sapphire Reserve has a higher annual fee with a more flexible travel credit and broader guest lounge access. The right choice comes down to your priorities — if you value simplicity and a lower cost of entry, the Venture X is hard to beat; if you travel frequently with guests and want more flexibility in how you use your travel credit, the Reserve may be worth the extra cost.

Table of Contents

Capital One Venture X Rewards Credit Card

Capital One Venture X Rewards Credit Card

How to Apply

Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.

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Capital One Venture X Rewards Credit Card
How to Apply