Pros & Cons

Pros

  • +Welcome Bonus: 75,000 points
  • +Lounge access included
  • +Purchase protection included

Cons

  • High annual fee ($395/yr)

Our Review

Elevate Your Travel at a Value: Capital One Venture X Rewards Credit Card

  • 10X miles on hotels & rental cars booked through Capital One Travel
  • 5X miles on flights & vacation rentals through Capital One Travel
  • 2X miles on all other purchases
  • $395 annual fee, with up to $300 annual travel credit for portal bookings
  • 10,000 anniversary bonus miles (worth $100) each year
  • Global Entry/TSA PreCheck credit up to $100 every four years
  • Unlimited lounge access at Capital One & Priority Pass lounges
  • No foreign transaction fees

Perfect for frequent explorers, this card’s robust benefits—from statement credits to lounge access—easily offset its annual fee. Book your next adventure, relax in premium lounges and enjoy seamless digital tools, all while earning unlimited rewards on every dollar spent.

Terms apply. See issuer’s website for rates, fees and complete details.

Rewards

All Spending

2x

Capital One Miles pts per dollar

Credit Card Rewards Calculator

See how much you could earn with this card based on your spending.

¢/ point
0.50¢
Groceries2x
$700/mo
Gas & EV2x
$200/mo
Transit2x
$100/mo
Restaurants2x
$300/mo
Pharmacy2x
$50/mo
Travel2x
$150/mo
Bills & recurring payments2x
$250/mo
Telecom2x
$150/mo
Entertainment & streaming2x
$100/mo
Office supplies2x
$0/mo
All other spending2x
$500/mo

Points Earned

60,000

Capital One Miles/yr

Estimated Value

$600

After Fees

+$205

1st Year Value

$955

incl. welcome bonus

Breakdown

Groceries$8,400/yr × 2x16,800 pts
Gas & EV$2,400/yr × 2x4,800 pts
Transit$1,200/yr × 2x2,400 pts
Restaurants$3,600/yr × 2x7,200 pts
Pharmacy$600/yr × 2x1,200 pts
Travel$1,800/yr × 2x3,600 pts
Bills & recurring payments$3,000/yr × 2x6,000 pts
Telecom$1,800/yr × 2x3,600 pts
Entertainment & streaming$1,200/yr × 2x2,400 pts
All other spending$6,000/yr × 2x12,000 pts
Total annual spend$30,000
Total monthly spend$2,500
Average earn rate on spend per year2x
Total points earned60,000 pts
Value of points accumulated in the first year$600

Annual benefits

  • $300
Total benefits$0

Perks & Benefits

Airport lounge access

Priority PassUnlimited
Capital One LoungeUnlimited

Concierge

24/7

NEXUS membership

Included

Capital One Travel credit

$300

Additional Benefits

Cell Phone Protection: pay your monthly cell phone bill with your Venture X card and get reimbursed up to $800 if it is stolen or damaged (certain terms, conditions and exclusions apply). Capital One Entertainment: exclusive access to pre-sales, tickets and events across music, sports and dining, plus 5X miles on Capital One Entertainment purchases. Complimentary PRIOR subscription (a $149 value) and 50% off the Enthusiast membership to The Cultivist for up to 2 years. Add cardholders to your account and earn rewards on every dollar they spend. Refer friends and family and earn up to 100,000 bonus miles when they are approved. Unlimited complimentary access for you and two guests to 1,300+ airport lounges, including Capital One Lounges and Landing locations and our Partner Lounge Network, plus a complimentary Priority Pass membership. Access is not guaranteed and is subject to space availability; Priority Pass access requires enrollment. Statement credit for Global Entry or TSA PreCheck. Premier Collection: a $100 experience credit on every booking, plus daily breakfast for two, complimentary Wi-Fi and, when available, room upgrades, early check-in and late checkout. Lifestyle Collection: a $50 experience credit on every booking. Hertz Gold Plus Rewards status upgrade: skip the rental counter and enjoy the widest selection of cars with a complimentary upgrade (enrollment required). No foreign transaction fees. Get reimbursed for damage or theft when you pay for a rental car with the Venture X card. Transfer miles to your choice of 15+ travel loyalty programs; miles do not expire for the life of the account and there are no blackout dates. Receive a $300 annual Capital One Travel credit for hotels, flights, vacation rentals and more booked through Capital One Travel. The credit is available within Capital One Travel, can be used in whole or in part, and expires on the next account open date anniversary. Plus 10,000 bonus miles every year, starting on your first anniversary. Premier Collection: $100 experience credit per booking. Lifestyle Collection: $50 experience credit per booking. Lounge access: Capital One Lounge and Landing locations; Priority Pass lounges (1,300+ participating lounges worldwide).

Travel Insurance

Trip Cancellation

Up to $2,000

Trip Interruption

Up to $2,000

Lost Baggage

Up to $3,000

Flight Delay

Up to $500

Travel Accident

Up to $1,000,000

Purchase Protection

Purchase Protection

Up to $10,000 / 90 days

Extended Warranty

+1 years

Mobile Device

Up to $800

Auto Rental Collision (primary)

Up to $75,000 / 15 days

View the insurance certificate (PDF)

Fees and interest rates

  • Annual Fee
    $395
  • Foreign currency conversion fee
    0%

Terms & Conditions

Card Features

  • Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
  • Receive a $300 annual credit for bookings through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options
  • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
  • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals booked through Capital One Travel
  • Earn unlimited 2X miles on all other purchases
  • Enjoy access to 1,300+ lounges worldwide, including Capital One Lounge locations and Priority Pass lounges, after enrollment
  • Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more-you can even transfer your miles to your choice of 15+ travel loyalty programs
  • Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
  • Receive up to a $120 credit for Global Entry or TSA PreCheck

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Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Milesopedia USA may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 Capital One. All trademarks are property of their respective owners.