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Capital One Venture X Rewards Credit Card: Modest Fee, Elite Perks

Capital One Venture X Rewards Credit Card review
What we think

Admittedly, we love the Capital One Venture X Rewards Credit Card. This card has a very reasonable annual fee compared to other premium travel cards, especially considering its benefits. We also know how much of a headache it can be to juggle other cards’ bonus categories and spending caps, so the simple reward structure of Venture X is like a breath of fresh air.

If you travel a lot, the $300 annual travel credit that comes with this card will be easy to maximize. Plus, if you take the $395 fee and subtract that $300 annual travel credit, you’re basically only paying $95 a year which feels a lot less daunting. If you add on the value of airport lounge access, a TSA PreCheck? or Global Entry fee credit and a generous sign-up bonus, it’s easy to see why this card is so well-loved.

Keep reading to learn the ins and outs of the Capital One Venture X Card and see if it’s as good as the commercials have made it out to be.

Note: For Capital One products listed on this page, some of the benefits are provided by Visa? or Mastercard? and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

More details from Capital One
  • Get a $300 annual credit for booking trips through Capital One Travel
  • Enjoy 10,000 bonus miles every year, which is equivalent to $100 towards travel, starting on your first anniversary
  • Unlimited complimentary access to over 1,300 lounges, including Capital One lounges and the partner lounge network, for you and up to two guests
  • Use Venture X miles to cover the cost of travel expenses, such as flights, hotels and rental cars; you can even transfer miles to over 15 travel loyalty programs of your choice
  • Enhance every hotel stay from the Premier or Lifestyle Collection with a range of cardholder benefits, such as up to a $100 experience credit ($100 for Premier, $50 for Lifestyle), room upgrades (when available), and more.
  • Up to a $120 credit for Global Entry or TSA PreCheck?
Pros & Cons

Pros

  • Miles can be redeemed for travel purchases, transfers to international airlines, and more
  • Can qualify for hundreds of dollars in credits each year
  • Huge welcome offer

Cons

  • $395 annual fee
  • Large spending requirement to earn the welcome bonus
  • Excellent credit required
Capital One Venture X Rewards Credit Card
LEARN MORE
4.7
Annual Fee?
$395
Welcome Offer?
75,000 miles
Regular APR?
19.99% to 29.74% variable
Recommended Credit?
Excellent (740 - 850)
EARNING REWARDS
Earn 10X miles on hotel and rental car purchases made through Capital One Travel, 5X miles on airfare and vacation rentals purchased through the portal, and 2X miles per dollar spent on all other purchases.
Show More Show Less

The basics

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

Yes! If you travel frequently, the Venture X card is definitely worth it. With perks like airport lounge access, a $300 annual travel credit, and a TSA PreCheck fee credit, this card has a ton of value to offset the $395 annual fee. Unlike some travel credit cards with a ton of complicated bonus categories, Venture X prioritizes simplicity, with high-value rewards on travel purchases and flat-rate rewards on everything else.

To sweeten the deal even more, this card is ideal for traveling with family since you can bring two guests with you for no added cost when you enter one of Venture X’s included airport lounges.

Essential info

Most of this information is in the card tile at the top of this page, but in case you missed it, here’s the gist of what you should know about the Venture X Card (we’ll also go into greater detail on these points further down):

Sign-up bonus:

Rewards:

Rates and fees:

What we like

$300 annual travel credit

Starting strong, the Venture X Card boasts a $300 flexible annual travel credit to use for bookings through Capital One Travel. This is available via statement credits through the portal. When booking your travel accommodations, you can select whether you want to apply the travel credit to your purchase. This benefit offsets almost the entire annual fee, so make sure you use it all!

Each credit is only available for a year, beginning and expiring on your account anniversary date rather than in line with the calendar year.

In line with this perk, you’ll also get 10,000 bonus miles on every account anniversary. Miles are worth one cent each for travel, making this an extra $100 in your pocket yearly.

Airport lounge access

With Venture X, you can get a complimentary Priority Pass Select membership, offering access to over 1,300 airport lounges worldwide. You’ll also gain access to Capital One Lounges and Plaza Premium Lounges. Priority Pass lounges are hit-or-miss, but the Capital One Lounges are exceptional.

Even better— You can take two guests with you every time for no fee. Authorized users also receive access to both types of lounges.

TSA PreCheck? or Global Entry fee credits

Outside airport lounge access, you can get up to a $120 fee credit to reimburse you for your Global Entry or TSA PreCheck? application every four years. Hopefully expediting the process of going through security lines, these Trusted Traveler Programs have the potential to save you a lot of time and hassle while at the airport.

Hotel perks

Any time you book a vacation rental or hotel in Capital One’s Premier Collection, you’ll get a $100 experience credit, daily breakfast for two, room upgrades (when available), and complimentary WiFi access. The hotels in this collection are, for lack of a better term, very fancy. There aren’t a ton of them on the list, but this benefit could help push you to try out one of these swanky hotels or resorts.

Simple reward structure

Some travel credit cards have many bonus categories to keep track of, and some even have spending caps to be wary of. Venture X has neither, offering simple, unlimited, high-value rewards. You can earn 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals through Capital One Travel. Any purchases outside those categories earn 2X miles.

Sign-up bonus

You can boost your rewards quickly with Venture X’s generous welcome bonus of 75,000 miles after spending $4,000 in the first three months after account opening. Frequent travelers should have no problem meeting that spending requirement, but you can likely also meet it by using the card for everyday purchases. At the standard rate of one cent per mile for travel, this bonus is worth $750. Transferring miles to select partners can net an even higher value.

Other benefits

?? Learn more: Capital One Venture X benefits guide

Venture X boasts various other benefits, including but not limited to:

Note on the Hertz benefit: Upon enrollment, accessible through the Capital One website or mobile app, eligible cardholders will remain at upgraded status level through December 31, 2024. Please note, enrolling through the normal Hertz Gold Plus Rewards enrollment process (e.g. at Hertz.com) will not automatically detect a cardholder as being eligible for the program and cardholders will not be automatically upgraded to the applicable status tier. Additional terms apply.

What we don’t like

High annual fee

At $395 per year, Venture X’s annual fee is on the steep side. For the average American, it may be difficult to find enough value out of the card to justify this expense. However, if you travel frequently, the $300 annual travel credit offsets most of the fee by itself. If you can utilize additional perks like airport lounge access and statement credits, it has plenty of value.

Limited bonus categories

While the simple rewards of Venture X can be a benefit of the card, they can also make it more difficult to rack up miles. Some cards offer bonus points/miles on dining purchases, grocery purchases, etc., making it easier to accumulate rewards during your everyday life. However, the flat rate rewards on all other purchases roll in at a higher rate than many cards, so it may level itself out.

Low redemption value outside of travel

If you like the flexibility of redeeming your rewards for travel or cash back, the Venture X falls short. Booking travel through Capital One Travel nets 1 cent per mile, with the potential of even more value through select transfer partners.

However, when redeeming miles for cash back, they’re only worth 0.5 cents apiece. You may be able to get more value for gift cards, but the best redemption value comes exclusively for travel. Since this is a travel card, that may not be a huge deal, but the limited flexibility takes this card down half a notch in our books.

Rewards

Earning rewards

With Venture X, you earn:

Redeeming rewards

Although many cardholders use their miles for travel purchases, Capital One gives you seven easy ways to redeem your rewards:

?? Learn more: Capital One Rewards Guide

Welcome offer

With the Venture X, you can earn 75,000 bonus miles if you spend $4,000 within three months of opening your account. Since miles are worth 1 cent apiece when redeemed for travel, this offer is worth $750!

You also get a 10,000-mile bonus for each card anniversary or approximately $100 in value. This makes the first year of membership worth at least $850 in benefits, which far outweighs the $395 annual fee.

The fine print

Fees

Interest rates

Credit limit

The Venture X has a minimum credit limit of $10,000. Capital One doesn’t advertise a maximum limit.

Credit score requirement

Capital One doesn’t advertise a minimum score for the Venture X card, but it’s intended for users with excellent credit. While you may be able to qualify with a FICO score of around 670, we recommend having a score of at least 740 before applying for your best chance of approval.

However, Capital One evaluates more than just your credit score when considering your application so a high score doesn’t guarantee approval.

How Venture X compares

Capital One Venture X vs. Capital One Venture Rewards Credit Card

The Capital One Venture Rewards Credit Card may be a better fit for a beginner travel credit card or if you’re not sure you can justify spending a $395 annual fee. The Venture Rewards Card has a reward rate of 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel and 2X miles on everything else. Although this rate is quite a bit lower than Venture X, the annual fee is significantly lower at $95 per year. You won’t get access to all the premium perks, but both cards offer a fee credit for Global Entry or TSA PreCheck and have no foreign transaction fees.

??? Read more: Capital One Venture X vs. Capital One Venture

Capital One Venture X vs. Chase Sapphire Reserve?

The Chase Sapphire Reserve? comes with a higher annual fee ($550) and similar benefits to the Capital One Venture X— a $300 annual travel credit, airport lounge access, TSA PreCheck fee credit, and no foreign transaction fees.

Where the Sapphire Reserve shines more brightly is with its redemption rate of 1.5 cents per point when redeemed for travel through Chase Travel?. Sapphire Reserve also comes with various additional partner benefits and more comprehensive travel insurance perks than the Venture X.

However, to get the best redemption rate on travel, you have to redeem points through Chase Travel, unlike Venture X where you can use your miles in or outside the portal.

??? Read more: Capital One Venture X vs. Chase Sapphire Reserve

The bottom line

Should you get the Capital One Venture X Card?

The Capital One Venture X Rewards Card may be right for you if you travel frequently enough to earn more than $395, which would allow you to break even on the annual fee. It’s an even better pick if you’ll use it often enough to get more out of the card than you spend to keep it in your wallet.

FAQs

Who is the Capital One Venture X Rewards Credit Card for?

The Venture X is for consumers with excellent credit who travel often enough to benefit from 5X miles on flights and 10X miles on hotels and rental cars. Its rewards are as good as some of the best airline credit cards and hotel credit cards.

Is Capital One Venture X Rewards Credit Card hard to get?

This card is fairly hard to get because it’s aimed at users with excellent credit scores. Even if you have a high score, your application may be denied if you carry a large debt load or apply for several credit cards or loans in just a few months.

How long does it take to redeem Venture X rewards?

It depends on the redemption method. If you want to cover past travel purchases, you have a 90-day window to apply your miles. For any benefit that results in a statement credit, it may take one or two billing cycles — about 2 months — to see the credit on your account.

What is the Capital One Venture X Rewards Credit Card referral bonus?

Capital One has a referral program that gives you bonus miles every time someone uses your personalized link to open one of these cards:

  • Savor?: Capital One Savor Cash Rewards Credit Card, Capital One Savor Cash Rewards, Capital One Savor Student Cash Rewards Credit Card
  • Venture?: Capital One Venture Rewards Credit Card, [Capital One Venture X Rewards Credit Card, Capital One VentureOne Rewards Credit Card
  • Spark: Capital One Spark Cash Plus, Capital One Spark Classic for Business, Capital One Spark Cash for Business, Capital One Spark Miles for Business, Capital One Spark Cash Select
  • Quicksilver?: Capital One Quicksilver Cash Rewards Credit Card, Capital One Quicksilver Secured Cash Rewards Credit Card, Capital One Quicksilver Student Cash Rewards Credit Card, Capital One QuicksilverOne Cash Rewards Credit Card
  • Platinum: Capital One Platinum Credit Card, Capital One Platinum Secured Credit Card

You only get the bonus if your friend doesn’t already have a Capital One card and their application is approved.

Is the Capital One Venture X Rewards Credit Card a Visa or Mastercard?

Capital One Venture X is a Visa credit card.

Do Venture X miles expire?

Your Venture X miles won’t expire as long as your account stays open and in good standing.

How do I become a Venture X card member?

You can learn more about the Capital One Venture X card and apply online. You’ll just need to enter the required information and submit your application.

Keep in mind that the Venture X credit card is marketed to consumers with excellent credit. Although Capital One hasn’t announced a minimum credit score, the card generally goes to people with scores in the high 700s and 800s.

Can Venture X access the Chase Sapphire Lounge?

Yes! With your Venture X Card’s Priority Pass Select membership, you get one complimentary visit per calendar to the Chase Sapphire Lounge by The Club.

Is the Venture X card made of metal?

Yes! Venture X is made of stainless steel and weighs in at a whopping 18 grams.

Capital One is more than just a credit card issuer

The first step in growing and maintaining consistent savings is to understand your personal finances through checking and savings accounts, credit cards, and more.

If you want to save and grow your money, consider the following Capital One products:

About the Author

Leigh Morgan
Leigh Morgan Personal Finance

Leigh Morgan is a seasoned personal finance contributor with over 15 years of experience writing on a diverse range of professional legal and financial topics. She specializes in subjects like navigating the complexities of insurance, savings, zero-based budgeting and emergency fund development.

In the last five years, she’s authored over 300 articles for credit unions, digital banks, and financial professionals. Morgan is also the author of “77 Tips for Preventing Elder Financial Abuse,” a book focused on helping caregivers protect the elderly from financial scams.

In addition to her writing skills, she brings real-world financial acumen thanks to her previous experience managing rental properties as part of a $34 million real estate portfolio.

* Opinions expressed here are those of LA Times Compare and have not been reviewed or approved by any advertiser or entities included within this content. See our editorial policy for more details.

All products or services are presented in this content without warranty. The information, including card details such as rates and fees, is accurate at the time of publication. Please visit each bank's website directly for the most current information.

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