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The Capital One Venture X Rewards Credit Card is a new premium card with travel-focused rewards and benefits. It stands apart from other premium credit cards with its relatively low annual fee, high rewards rate on everyday purchases and plentiful cardholder benefits. While it might not be the best fit for everyone, it's certainly a good option that frequent travelers should consider.
Capital One Venture X Rewards Credit Card
on Capital One's website
Recommended FICO® Score*
Capital One Venture X Rewards Credit Card
APR
19.99% - 29.99% (Variable)
Intro APR
Rewards
2x Miles per dollar on every purchase, every day, 10x Miles per dollar on hotels and rental cars booked through Capital One Travel, 5x Miles per dollar on flights booked through Capital One Travel
5x Miles on Flights Booked Through Capital One Travel
2x Miles on All Purchases
Intro Bonus
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
Annual Fee
$395
Card Details
- 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 booked through Capital One Travel
- Earn unlimited 2X miles on all other purchases
- Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
- 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
- Elevate every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and more
- Receive up to a $100 credit for Global Entry or TSA PreCheck®
| Pros | Cons |
|---|---|
| Large intro offer | Intro bonus requires high spending |
| Good rewards rates and anniversary bonuses | High annual fee |
| Premium perks | Requires excellent credit |
| Capital One Customer Service 877-383-4802 Attn: General Correspondence P.O. Box 30285 Salt Lake City, UT 84130-0287 |
Experian Review
If you travel frequently and are looking for a premium rewards card, the Capital One Venture X Rewards Credit Card could be a great pick. While you may need excellent credit to qualify for the card, it has two appealing welcome offers and many ongoing benefits.
The card does have a $395 annual fee (see rates and fees). However, that's lower than the annual fee many premium travel cards charge. And, as you'll see, the benefits could more than outweigh the cost.
A 75,000-Point Welcome Bonus
As a new cardmember, you could earn 75,000 bonus miles after spending $4,000 within 3 months of opening your account.
It's a headline-worthy intro bonus, as the miles could be worth $750 toward travel. You can also transfer the miles to partner travel rewards programs, which could potentially increase their value. For example, you may be able to redeem the miles for first-class tickets that cost over $750.
But don't overlook the spending requirement. If you can't meet the requirement without overspending or carrying a balance, it might make sense to hold off on applying until there's a different intro offer.
Good Rewards Rates and Anniversary Bonus Miles
With the Capital One Venture X Rewards Credit Card, you can earn:
- 10 miles per dollar spent on hotels and rentals cars that you book through Capital One Travel
- 5 miles per dollar spent on flights that you book through Capital One Travel
- 2 miles per dollar on all other purchases
The 2 miles base rate is higher than you might find on other premium travel cards, as are the five- and 10-mile tiered rewards rates, but you need to book through Capital One Travel to receive the higher rates.
You can redeem your miles in a variety of ways, such as getting cash back, covering travel purchases and booking a trip through Capital One Travel. As a cardholder, you'll also receive 10,000 bonus miles—worth at least $100 toward travel starting on your first anniversary.
Travel Benefits for Cardholders
Going beyond the mile-earning benefits, the Capital One Venture X Rewards Credit Card offers several perks that can put money back in your pocket and make traveling more enjoyable:
- $300 annual travel credit: The annual travel credit can be applied to purchases you make through Capital One Travel.
- Up to $100 toward TSA Precheck or Global Entry: Get $100 toward a Global Entry application or a TSA Precheck application once every four years.
Is This Card Right for You?
The Capital One Venture X Rewards Credit Card may be a good fit for frequent travelers, and its intro bonus offers are especially appealing right now if you can meet the requirements without overspending. The $395 annual fee is relatively low compared with other premium travel cards (see rates and fees). Plus, the 10,000-mile anniversary bonus and $300 annual travel credit make up for the fee, while the 2-miles-per-dollar rewards rate can help you rack up miles on everyday purchases.