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Capital One Venture X Rewards Credit Card Intro offer: Annual fee: Regular APR: Recommended credit score: Rewards rate: Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel. 5X miles on flights booked through Capital One Travel. Earn unlimited 2X miles on all other purchases. NextAdvisor’s TakePros
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The Bottom Line The Capital One Venture X Rewards Credit Card has a generous sign-up bonus and competitive rewards rates. Plus, there are plenty of premium perks for frequent travelers like airport lounge access, a fee credit for Global Entry or TSA PreCheck and up to $300 annually in statement credits for booking through Capital One Travel. The card’s $395 annual fee is high, but not as costly as some other premium travel card options. Additional Card Details
*Terms, conditions and exclusions apply Full ReviewCard TypeThe Capital One Venture X Rewards Credit Card is a premium travel credit card; in exchange for its high annual fee, frequent travelers can enjoy an exceptional signup bonus, higher-than-average rewards for travel, and premium perks like airport lounge access and annual travel credits. Annual FeeThis card charges a steep $395 per year. However, that’s lower than many comparable premium travel options — for example, the Chase Sapphire Reserve Card charges $550 per year and The Platinum Card® from American Express comes in at a whopping $695 per year (See Rates & Fees). Welcome OfferWhen you sign up for the Capital One Venture X Rewards Credit Card, you can earn 75,000 bonus miles when you spend $4,000 within three months of account opening. And while the spending threshold is high, the three month timeline means you only have to use your card for at least $1,334 in spending and bills each month for the first three months to qualify. Introductory OfferThis card doesn’t offer any introductory 0% APR. RewardsWith the Capital One Venture X Rewards Credit Card, you’ll earn 10x miles on hotels and car rentals booked through Capital One Travel, 5x miles on flights booked through Capital One Travel, and a flat 2x miles on all other purchases. FeesThere’s no foreign transaction fee for purchases you make abroad with this card. Outside of the $395 annual fee, the Capital One Venture X charges a 3% balance transfer fee, a cash advance fee of 3% of the amount of the cash advance, but not less than $3 and a late payment fee up to $40. If you carry a balance, you’ll pay a variable APR of 19.99% – 26.99% depending on your creditworthiness. Other BenefitsThe Capital One Venture X Rewards Credit Card comes with more than enough perks to make up for its $395 annual fee if you travel regularly. For starters, you’ll get up to $300 as an annual travel credit toward purchases made through Capital One Travel and 10,000 anniversary bonus miles when you renew your card. Other benefits include Priority Pass Select airport lounge membership, access to Capital One airport lounges, a fee credit for Global Entry or TSA Precheck membership, and cell phone protection worth up to $800 when your phone is stolen or damaged. Benefits of Capital One Venture X Rewards Credit CardThere are several reasons to consider the Capital One Venture X Rewards Credit Card, and one of the biggest is the flexibility of the rewards you earn. You can redeem Capital One miles for cash back, purchases made through PayPal, Amazon.com purchases, gift cards or statement credits for travel charged to your card. You can also redeem your rewards for travel bookings made through Capital One Travel, which could include hotels, flights, rental cars, and more. Capital One also offers transfer partners, so you can transfer your Capital One miles to 15+ airline and hotel partners including Air France/Flying Blue, Emirates, Wyndham Rewards and more. Another benefit of the Capital One Venture X Rewards Credit Card is the relatively low annual fee in relation to its value and other premium travel options. While $395 annually is costly, you’ll also get $100 worth of annual anniversary bonus miles and up to $100 credit toward Global Entry or TSA Precheck membership. Priority Pass Select membership is another benefit if you like the option to visit airport lounges while traveling. Plus, this card lets you add up to four authorized users to your account, and they’ll also get Priority Pass Select and Capital One airport lounge access. Finally, this card comes with some nice travel protections including trip cancellation and interruption insurance, trip delay reimbursement, lost luggage reimbursement, and primary rental car coverage. Drawbacks of Capital One Venture X Rewards Credit CardWhile there are plenty of reasons to love the Capital One Venture X Rewards Credit Card, there are some notable downsides. For starters, you’ll need to book airfare, hotels and other travel through Capital One’s portal if you want to earn bonus miles and maximize value on those purchases. If you book flights directly with airlines or use a third party travel site, you’ll only earn 2x miles for each dollar spent on travel. Also be aware that Capital One transfer partners aren’t as wide-ranging as some other popular rewards programs, including Chase Ultimate Rewards and American Express Membership Rewards. How to Use Capital One Venture X Rewards Credit CardAfter you’re approved, start maximizing this card by spending at least $4,000 on purchases within three months of account opening to earn the 75,000 bonus miles. That’s worth about $750 toward travel booked through Capital One. From there, you’ll get the best value from this card by using it to book your travel through Capital One’s travel portal to maximize the miles you earn. However, before you book, compare prices with the cost of booking directly to make sure you’re not overpaying for travel to earn more miles. Because this card earns a baseline 2x miles on all purchases, consider using it for your everyday spending to increase rewards even further. Also make sure you take advantage of the benefits and credits this card offers. You’ll get up to $300 in travel when you book through Capital One Travel. Sign up for Global Entry or TSA PreCheck and pay with your card to get a credit toward the cost, and register for Priority Pass airport lounge membership, which you can do through your online account management page. Pro TipWhen you sign up for the Capital One Venture X, you get access to Capital One airport lounges for yourself and up to two guests. Your credit card will serve as your membership card, although you can also prove membership by showing your card on the Capital One mobile app. Just remember — despite the many perks this card offers, it still carries a very high annual fee and ongoing variable APR. Charge only what you can afford to pay off each month so you can avoid adding to this card’s cost with high interest debt balances. Capital One Venture X Rewards Credit Card Compared to Other Cards
Is the Capital One Venture X Rewards Credit Card Right for You?Editorial IndependenceAs with all of our credit card reviews, our analysis is not influenced by any partnerships or advertising relationships. Even after the first year, this premium travel card has plenty to offer — from annual credits and lounge access to high rewards rates and flexible redemptions. The Capital One Venture X offers exceptional value the first year and beyond, especially considering its $395 annual fee — considerably less than other premium travel cards with fees above $500. Just make sure you’re willing to book your travel primarily through Capital One Travel, and that Capital One’s transfer partners align with your travel plans. And before you open any premium travel card, make sure you’ll get enough value from the rewards and benefits to offset the annual fee each year. If you only travel a couple times each year, a travel credit card with a lower annual fee or more rewards on everyday spending may be a better way to maximize value. Before you apply, review your upcoming travel plans and your past spending habits to find the right fit for you. Frequently Asked Questions (FAQ)Can you upgrade from the Capital One Venture Rewards Credit Card to the Capital One Venture X Rewards Credit Card?You may be able to upgrade your card if you inquire with Capital One. However, you won’t be eligible for the sign-up bonus if you upgrade your card instead of applying for the Venture X separately. Does the Capital One Venture X Rewards Credit Card charge foreign transaction fees?No, the Capital One Venture X Rewards Credit Card does not charge foreign transaction fees. Can you refer friends to the Capital One Venture X Rewards Credit Card?You can refer friends to the Capital One Venture X Rewards Credit Card. According to Capital One, you may earn up to 100,000 bonus miles for doing so, though terms apply. Is the Venture X metal?Yes, the Capital One Venture X Rewards Credit Card is a metal credit card. What is the highest credit limit for Capital One Venture X?What is the max credit limit for Capital One? Although there's no real credit limit for the CapOne Venture X card, we've seen approvals as high as $75,000. The minimum credit limit is $10,000, though, as is the case with all Visa Infinite credit cards.
How hard is it to get approved for Capital One Venture?It's possible to get the Capital One Venture with a credit score in the mid-600s. But, you may need to be a current Capital One member or have a high income to be approved with fair or good credit. For the best approval odds, you may wait until your score is at least 750.
Can I get approved for Capital One Venture X?Capital One Venture X Card Credit Score: What Score Do You Need? Capital One has indicated that you will need an excellent credit score to be approved for the Venture X card. That means those with a credit score above 740 will have the best chances of being approved.
What is the average credit limit on a Capital One Venture card?The earning rate for rewards is a little lower than with the regular Capital One Venture Rewards Credit Card — and so is the average credit limit (which is around $5,000) — but the average credit score seems to be below 700.
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