Capital One Venture X
Premium travel rewards card earning unlimited miles with elevated rates on Capital One Travel bookings, plus a $395 annual fee offset by travel credits and anniversary miles.
Annual Fee
$395
Top Earning Rate
10x miles hotels and rental cars via capital one travel
Foreign Tx Fee
None
Rating
N/A
Current Welcome Offer
75,000 miles
$750 estimated value
Spend $4,000 in 90 days
Card Offers
public
75,000 miles
$750 estimated value
Spend $4,000 in 90 days
Earning Rates
Must be booked through Capital One Travel portal
Qualifying tickets purchased on the Capital One Entertainment ticketing platform only; excludes cardholder exclusive pre-sales and direct ticketing through Capital One Hall or Capital One Arena
Must be booked through Capital One Travel portal
Pros & Cons
Pros
- Strong earning rates of 10X and 5X miles on Capital One Travel bookings, with a solid 2X base rate on all other purchases
- 75,000-mile welcome bonus worth approximately $750 in travel after meeting the spend requirement
- Annual 10,000 anniversary bonus miles (worth at least $100) help offset the $395 annual fee each year
- No foreign transaction fees, making it straightforward for international use
- Complimentary PRIOR subscription ($149 retail value) and access to Capital One Dining and Entertainment add lifestyle value beyond pure rewards
Cons
- The $395 annual fee is a significant commitment and is not waived in the first year
- Top earning rates of 10X and 5X miles require booking through Capital One Travel, limiting flexibility for travelers who prefer booking directly
- Excellent credit is required, making the card inaccessible to those with fair or good credit profiles
- The cancel-for-any-reason flight protection is an add-on, not an automatic benefit, and does not guarantee a full refund
- Price drop protection is capped at $50 and only activates when booking via Capital One's own recommendation, not on all bookings
Key Takeaways
- Earns 10X miles on hotels and rental cars and 5X miles on flights booked through Capital One Travel, with 2X on everything else
- The $395 annual fee is partially offset by 10,000 anniversary bonus miles each year, starting at the first anniversary
- The 75,000-mile welcome bonus is worth approximately $750 in travel at a standard 1 cent per mile valuation
- Several travel protections and tools are tied specifically to the Capital One Travel portal, not bookings made elsewhere
- Excellent credit is required, and the card carries no foreign transaction fees
Fees
| Fee Type | Amount |
|---|---|
| Annual Fee | $395 |
| Foreign Transaction Fee | 0% |
APR Information
- Purchase APR
- 19.49% - 28.49%
- Balance Transfer APR
- 19.49% - 28.49%
- Cash Advance APR
- 28.49%
APRs shown are variable and may change based on the Prime Rate. Your actual APR will be determined based on your creditworthiness.
Card Benefits
8 benefits (1 strong or better) including 1 hidden gems
Travel Access & Perks
Travel Credits
Statement Credits
Lifestyle Benefits
Coverage Tier Legend
Frequently Asked Questions
What is the annual fee for the Capital One Venture X?
What is the welcome bonus and how do I earn it?
What earning rates does the Capital One Venture X offer?
Does the Capital One Venture X charge foreign transaction fees?
What credit score do I need to apply for the Capital One Venture X?
What are the anniversary bonus miles and when do I receive them?
What is the Capital One Travel price drop protection benefit?
What is the PRIOR subscription benefit on the Venture X?
Does the Venture X offer cancel-for-any-reason flight protection?
Do Capital One Entertainment pre-sale ticket purchases earn 5X miles?
About This Card
The Capital One Venture X is best suited for frequent travelers with excellent credit who want a premium travel rewards card with strong mile-earning rates and are comfortable booking travel through the Capital One Travel portal to maximize benefits.
The Capital One Venture X is a premium travel rewards credit card designed for frequent travelers. It earns 10X miles on hotels and rental cars booked through Capital One Travel, 5X miles on flights and vacation rentals through Capital One Travel, 5X miles on Capital One Entertainment purchases, and 2X miles on all other purchases. Cardholders receive a 75,000-mile welcome bonus after spending $4,000 in the first 3 months, plus 10,000 anniversary bonus miles each year starting with the first anniversary. The card carries a $395 annual fee and offers no foreign transaction fees. Benefits include access to Capital One Travel features such as price drop protection, price match guarantee, cancel-for-any-reason flight protection, and price watch alerts. The card also provides a complimentary PRIOR subscription (a $149 value) and access to Capital One Dining and Entertainment.
The Capital One Venture X stands out with a 10X miles rate on Capital One Travel hotel and rental car bookings combined with annual anniversary miles that meaningfully reduce the net cost of the $395 annual fee, offering strong value at a lower price point than many competing premium travel cards.
Ready to Decide?
Apply for the Capital One Venture X
75,000 miles, worth about $750 estimated value, with a $395 annual fee.
Spend $4,000 in 90 days
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- 8 of 8 benefits rated high confidence
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