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Capital One Venture X Rewards Credit Card

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Rates and Fees

Annual Fee: $395

Bonus Miles
Bonus Miles
75,000
Recommended Credit
740 - 850
Current Offer

Earn 75,000 bonus miles after spending $4,000 in the first 3 months.

✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

75,000
Bonus Miles

Earn 75,000 bonus miles after spending $4,000 in the first 3 months.

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

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

Summary

At first glance the annual fee may seem expensive, but each year you receive various travel perks and benefits that completely offset that! Additionally, Capital One Rewards allow users to book travel or cover travel booked in the previous 90 days for one cent per mile. That means this card is would cover $750 on travel, even retroactively! Capital One miles can also be transferred to a number of airline programs at a ratio of 1:1, allowing for true flexibility in booking the best reward flights.

Check out our deep dive on this card if you want to learn more about how we're using it to travel hack.

Earning Rewards

[.redeem] 10x [.redeem]per $1 on hotels and cars booked through Capital One Travel

[.redeem] 5x [.redeem]per $1 on flights booked through Capital One Travel

[.redeem] 2x [.redeem]per $1 on all other purchases

Additional Benefits

  • Unlimited access to Capital One Lounges
  • Complimentary access to Priority Pass lounges
  • Receive up to a $100 credit for Global Entry or TSA PreCheck
  • Receive a $300 travel credit annually for bookings through Capital One Travel
  • Get 10,000 miles as your anniversary bonus

And, your miles don't expire as long as your account is open.

Foreign Transaction Fee

  • None

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

Also consider

🏆 Best for luxury benefits

The Platinum Card® from American Express

The Platinum Card® from American Express

The Platinum Card® from American Express

🏆 Best for luxury benefits

80,000
Bonus Points
Earn 80,000 Membership Rewards® points after spending $8,000 within the first six months.
80,000
Bonus Points
Earn 80,000 Membership Rewards® points after spending $8,000 within the first six months.
The Amex Platinum is a premium card offering a range of exclusive travel and lifestyle benefits, including access to luxury airport lounges, annual travel credits, and Membership Rewards points that can be redeemed for travel or other rewards. With a high annual fee, this card is designed for individuals who value premium perks and are frequent travelers looking to enjoy a heightened level of luxury and convenience.
✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool

🏆 Best for travel credits

Chase Sapphire Reserve®

Chase Sapphire Reserve®

Chase Sapphire Reserve®

🏆 Best for travel credits

60,000
Bonus Points
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.
60,000
Bonus Points
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.
The Chase Sapphire Reserve® Card is a premium travel credit card tailored for frequent travelers seeking luxury perks and rewards. With a focus on travel benefits, this card offers a generous welcome offer, airport lounge access, travel statement credits, and valuable rewards through the Chase Ultimate Rewards program, making it an excellent choice for travelers.
✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool

Capital One Venture X Rewards Credit Card

CURRENT OFFER

75,000

Bonus Miles

Earn 75,000 bonus miles after spending $4,000 in the first 3 months.

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

REWARDS RATE
2-10x Miles
ANNUAL FEE
$395
Our Score
90
Annual fee (20%)
4
Welcome Offer (20%)
8
Point Redemption Value (20%)
9
Rewards Rates (15%)
10
Benefits (15%)
10
Travel Protections (10%)
8
Our Mission
Our Methodology

My Take

The Capital One Venture X Rewards Card is one of those “keeper cards” we’re always talking about. I’ve had the Venture X for three years, and its miles earnings and travel perks prove its worth year after year. The annual fee might seem steep, but the travel benefits you get each year more than make up for it! Honestly, I can’t even begin to tell you how many hours of my life I have (very comfortably) spent in airport lounges thanks to this card. Literally, thank you, Venture X.

Better yet, Capital One Rewards lets users book travel or cover travel expenses from the past 90 days at one cent per mile. This means the Venture X can cover $750 in travel costs, even retroactively! Plus, Capital One Miles can be transferred to several airline programs at a 1:1 ratio (but more on that later). The Venture X Card’s current offer is 75,000 bonus miles after spending $4,000 in the first 3 months. This offer is valued at just over $1,300. Y’all…that’s really good. Not only is the Venture X Card a fan favorite within our Daily Drop team, but it’s also known to help you pay for pretty much anything with miles. Brendan says that if he could only keep one travel card in his wallet, it would be the Venture X Card. Check out this YouTube video where he explains exactly why that is 👇

Comparable Cards

The Platinum Card® from American Express

Annual Fee: $695

Rates & Fees
|
Terms Apply
WELCOME OFFER
80,000
Bonus Points
OUR SCORE
88

Chase Sapphire Reserve®

Annual Fee: $550

Rates & Fees
|
Terms Apply
WELCOME OFFER
60,000
Bonus Points
OUR SCORE
88

Capital One Venture X Business

Annual Fee: $395

Rates & Fees
|
Terms Apply
WELCOME OFFER
150,000
Bonus Miles
OUR SCORE
92

Pros & Cons

Pros

[.pro]Each year, you’ll receive various travel perks and benefits that completely offset the annual fee[.pro]

[.pro]The Venture X covers $750 on travel, even retroactively[.pro]

[.pro]Capital One Miles can be transferred to various airline programs at a 1:1 ratio, offering great flexibility for booking reward flights[.pro]

Cons

[.con]This card does come with a $395 annual fee[.con]

Rewards Summary

[.redeem] 10x [.redeem]per $1 on hotels and cars booked through Capital One Travel

[.redeem] 5x [.redeem]per $1 on flights booked through Capital One Travel

[.redeem] 2x [.redeem]per $1 on all other purchases

Additional Benefits

  • Unlimited access to Capital One Lounges
  • Complimentary access to Priority Pass lounges
  • Receive up to a $100 credit for Global Entry or TSA PreCheck
  • Receive a $300 travel credit annually for bookings through Capital One Travel
  • Get 10,000 miles as your anniversary bonus

And, your miles don't expire as long as your account is open.

Customer Reviews & Redemptions

WRITE A REVIEW
Phyllis A.
15 Jul

I am new to the miles and points world, but getting this card was a no-brainer! Once I met my spend requirement my SUB points were credited right away. I was able to use my points to book a $2000+ flight for $102 (taxes and fees), which was covered by the $300 annual travel credit.
Plus, I now have lounge access through Priority Pass, another perk of this card. I love this card and I'm pretty sure it will be a keeper card in my wallet!

KEEP READING
The reviews above are not provided or commissioned by the bank advertiser. Customer reviews have not been reviewed, approved, or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered. 

How to make the most of your

Capital One Venture X Rewards Credit Card

When it comes to Capital One Miles, the best way to maximize your miles is to redeem them with travel. And to take it one step further (because *ahem* this is Daily Drop), the Venture X Card will let you pay for any type of travel with miles. Yeah, you heard me right — ANY type of travel.

[.dontreco] We don’t recommend: Turning your Capital One Miles into cash [.dontreco] 

With a Capital One rewards card, you earn cash back or miles on every dollar you spend. The amount you earn varies based on the card and how you use it. However, this method simply doesn’t provide the best value.

[.sometimesreco] We sometimes recommend: Booking through Capital One’s portal [.sometimesreco]

Booking travel through Capital One lets you redeem miles at 1 cent each, but you won't earn extra rewards or elite perks. It's better to book directly and then use your miles to cover the cost.

[.alwaysreco] We always recommend: Redeeming your miles for travel [.alwaysreco]

The bottom line is — if a flight or hotel room can be bought with cash, you can use your miles to book it. You can redeem your miles at 1 cent each for travel purchases made in the last 90 days on your Venture X Card. And, there's no minimum amount needed. This means you could redeem for airlines, hotels, rail lines, car rentals, limousines, buses, cruises, taxis, travel agents, and more — literally anything in your wildest dreams! Taking advantage of these $750 worth of credits is what makes the Venture X so jaw-dropping and magical. By redeeming your miles for travel, you’ll absolutely maximize their value.

Transfer Partners

Oh yeah, did we mention that the Capital One Venture X Card has a pretty nice list of transfer partners?

In case you need convincing, here’s that list:

PROGRAM NAME
TRANSFER RATIO

Accor

2:1

Aeromexico

1:1

Air Canada

1:1

Air France / KLM

1:1

Avianca

1:1

British Airways

1:1

Cathay Pacific

1:1

Choice Hotels

1:1

EVA Air

2:1.5

Emirates

1:1

Etihad

1:1

Finnair

1:1

Singapore Airlines

1:1

TAP Air Portugal

1:1

Turkish Airlines

1:1

Virgin Atlantic

1:1

Wyndham Hotels

1:1

Our Favorite Redemptions

If you’ve been reading Daily Drop for a while (or even watching our fave travel duo — Kara and Nate) then you might have heard of ANA’s “The Room.”

Basically, “The Room” is bigger than any other business-class seats (and even some first-class seats). It comes with closing doors, personal catering, and a lie-flat bed…so yeah, pretty incredible.

The best part? Capital One Miles can be transferred to ANA at a 1:1 ratio. When Kara and Nate booked “The Room,” they used some miles. And, if you want the full details on that redemption, check out this video 👇

Offer History

OFFER DATES
OFFER DETAILS
Current Offer since
Nov 2021
through
Mar 2022
100,000 bonus miles after spending $10,000 on purchases within the first six months of account opening
Current Offer since
Mar 2022
through
Jul 2024
75,000 miles after spending $4,000 on purchases in the first three months of account opening.

The Best Complementary Cards

American Express® Gold Card

Why? Speaking of “keeper cards,” the Gold Card most definitely falls into that category. Many travel experts would tell you the Venture X and the Gold Card would be their only cards if given an ultimatum. With the Venture X, you're earning a solid 2X miles per dollar spent on most purchases. Plus, you'll snag 5X miles per dollar on flights and a generous 10X miles per dollar on rental cars and hotels (just remember to book through the Capital One Travel portal to cash in on these bonuses). The Amex Gold card shines brightest with everyday purchases. This is especially true when it comes to dining out and grocery shopping, earning a sweet 4x Membership Rewards points per dollar (up to $25,000 annually, then 1x after that).

By tag-teaming these two cards, you’ll be racking up points and miles like a pro. The Venture X may sting a bit with its $395 annual fee, but trust me, the perks more than make up for it. You're looking at a $300 travel credit, lounge access, and bonus miles every anniversary, and we value these perks at over $700 (in other words…it's a no-brainer). Now, onto the Amex Gold Card. Yes, it has a $250 annual fee, but stick with me. You're getting up to $120 in dining credits and another up to $120 in Uber Cash (To receive this benefit, you must have downloaded the latest version of the Uber App and your eligible American Express Gold Card must be a method of payment in your Uber account. The Amex Benefit may only be used in the United States.) – that's $240 in credits right there, folks. So effectively, your annual fee is just $10. Enrollment required for select benefits.

Chase Sapphire Preferred® Card

Why? It’s no secret that, here at Daily Drop, we’re pretty much obsessed with the Sapphire Preferred — and can you blame us? While this card is wonderful on its own, it also pairs perfectly with the Capital One Venture X Card. First up, the Sapphire Preferred. It's your go-to for racking up Chase Ultimate Rewards points on travel and dining with top-notch travel protections, all for a modest $95 annual fee. But what really sets it apart? The ability to transfer those miles to Chase's vast array of travel partners for maximum value.

Now, enter the Venture X. This bad boy gives you straightforward rewards and deluxe travel perks like lounge access, rental car elite status, and a generous $300 travel credit, all at a reasonable annual fee. Combine the two, and you've got access to an impressive lineup of transfer partners, hefty welcome bonuses, solid rewards on all your spending, and luxe travel perks – all for less in annual fees than any other premium travel card out there. But why these two cards specifically? The Sapphire Preferred is perfect for newbies and seasoned travelers alike, thanks to its low fee and freaking awesome perks. With the Venture X, you’re getting premium benefits at a fair price.

With the Sapphire Preferred, you can book through Chase TravelSM and get 1.25 cents per point in value. Capital One has a similar setup, but trust us, you'll want to save your miles for travel purchases instead. When it comes to redeeming Capital One miles, using them for any travel expense with your card gets you a solid 1 cent per mile – meaning you can cover that $500 flight with 50,000 miles, no problem. But, transferring them to partner airlines and hotels is where you’ll see the most value. And with this duo, you've got a whole bunch of options to choose from.

Card Combinations

Brendan gives two great examples of “card combos,” but ultimately, one stands out from the rest. And, that combo just happens to include the Venture X Card. Check out that video here 👇

Who Should Get The

Capital One Venture X Rewards Credit Card

?

  1. The Ladder-Climber

So there’s this thing called the Credit Card Ladder. Brendan does an excellent job explaining it in this YouTube video. But here’s the quick version: When you start on your miles and points journey, you might not have a single open account or even an existing credit score. This was me in 2022. Because life isn’t fair sometimes, you have to start with baby credit cards and work your way up to the big boys (i.e. The Venture X, The Platinum Card® from American Express, etc.).

While the Capital One Venture X Card might not be a “beginner” card,  it is most certainly a step on the ladder to miles and points success. While the Venture X offers statements that make up for the annual fee, having a $395 annual fee still makes this card a little trickier to get than something like the Chase Freedom Unlimited® or another “starter card.” So, if you’re looking to take your travel game to the next level, the Venture X most likely provides the perks you’re looking for: lounge access, Global Entry or TSA PreCheck, anniversary bonuses, and so on.

  1. The Frequent Traveler

By now, you’ve certainly heard us call the Capital One Venture X Card a “keeper card.” If you’re a frequent jet-setter, like pretty much everyone on our team, you’ll want to keep this card in your wallet. Mike’s favorite thing about the Venture X card is the flexibility of its miles. You can transfer them to airlines and hotels or use them to offset ANY travel purchases. Here’s how he’d use the 75,000 miles from signing up:

  • Use 25,500 miles for round-trip flights from the U.S. to Oslo, Norway. Book anywhere and find the cheapest option!
  • With 50,000 miles left, book a $50/night downtown Oslo hotel for a week, costing 35,000 miles
  • Use 4,300 miles for a $43 round-trip airport train ride
  • Still have 10,000+ miles? Save them for your next trip!

Needless to say, The Venture X makes booking a free trip super easy, mainly because of its super-duper-amazing-wonderful statement credits (oh, and flexible transfer partners).

  1. The Perks-Loving Traveler

Let’s be clear. The Capital One Venture X Card does not have a shortage of extras. We’re talking:

  • Access to Capital One Lounges and Priority Pass Lounges
  • Global Entry or TSA PreCheck
  •  $300 Travel Credit Annually
  • Anniversary Bonus of 10,000 Miles
  • And that’s just the start…

The Chase Sapphire Preferred® Card is one of our favorites because of its point flexibility with transfer partners (among other reasons). But, the Venture X is the perfect accompaniment due to its luxury benefits. If you’ve flown business class after sitting in an airport lounge for a few hours prior to that flight, you’re likely ruined. What I mean is — you’ll now want to travel like a king every. single. time. Holding the Venture X is step one, friends.

Who Should Not Get The

Capital One Venture X Rewards Credit Card

?

Here’s a good rule of thumb:

You probably shouldn’t own a credit card if you: (1) have a bad credit score, (2) are a non-U.S. resident (for this particular card), and (3) cannot control your spending. If your credit score is below 700, you'll need to improve it before applying for travel credit cards, as approval for the best ones, like the Venture X, is unlikely.

Be honest with yourself: if a new credit card will tempt you to overspend, it's best to avoid it. Credit cards are crucial for earning miles and points, but they require responsible use.

Frequently Asked Questions

Can you book any airline with Capital One Venture X?

Yes, with the Capital One Venture X, you can book flights on any airline through the Capital One Travel portal, without restrictions. This also includes hotels and rental cars. Your travel rewards can be used. Cardholders also get a $300 annual credit for portal bookings, which can be used to cover flight costs.

Does Venture X give TSA PreCheck?

Yes, you can receive a statement credit for the TSA PreCheck application or renewal fee, which can amount to as much as $100. This benefit is accessible once every four years.

Can I upgrade my Capital One Venture to Venture X?

Yes, if you've had your VentureOne or Venture card for at least a year and want more rewards and premium benefits, you might be eligible to upgrade to Venture X.

Which airport lounges can I access with Capital One Venture X?

Enjoy unlimited access for you and 2 guests to 1,300+ lounges worldwide with Priority Pass™ and Plaza Premium Group, plus complimentary access to Capital One Lounges.

Is it hard to get the Capital One Venture X card?

It can be, but it really depends on your credit. Capital One says this card is for those with excellent credit, so keep that in mind!

Is the Capital One Venture X Card worth it?

We totally recommend the Capital One Venture X Rewards Credit Card over the regular Venture, mainly because of the $300 annual travel credit. With that, the $395 annual fee drops to just $95, the same as the Venture Rewards

Authors

Written by: McKay Moffitt

Content Specialist

Edited by: Tiffany Eastham

Writer & Editor

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

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