Is the Capital One Venture X card worth it?

That depends on your needs and travel goals! The Capital One Venture X card offers plenty of great perks and the lowest annual fee among all premium credit cards. That said, the 2 major bonus categories on the card require you to make your travel bookings through Capital One Travel. So as long as you’re fine with that, then the Capital One Venture X card might be a perfect fit for you!

Does the Capital One Venture X card have an annual fee?

Yes, the Capital One Venture X card charges a annual fee (rates & fees).

How can I redeem the miles from my Capital One Venture X card?

Capital One gives you multiple options when it comes to redeeming your miles, including transfer partners, Capital One Travel, statement credits, and much more. That said, those who are looking to get maximum value out of their miles should utilize the Capital One transfer partners.

How does the travel credit on the Capital One Venture X card work?

The $300 travel credit from the Capital One Venture X card can be used for any and all travel purchases made through Capital One Travel.

Do Capital One miles expire?

No, your Capital One miles should never expire as long as your account remains open and in good standing.

Is the Capital One Venture X card metal or plastic?

The Capital One Venture X card is a metal credit card. It’s not plastic.

What is the income limit for the Capital One Venture X card?

No set income will guarantee your approval for the Capital One Venture X card. That said, those who make $40,000 per year or more should have decent approval odds. Keep in mind that your income will impact what credit line you are approved for. Additionally, no matter how high your income is, factors including your credit score, length of credit history, and the amount of credit already extended to you will also be considered.

What credit score do you need for the Capital One Venture X card?

Even if you have a perfect 850 credit score, your approval for the Capital One Venture X card will not be guaranteed as there are many factors that Capital One considers during the application process. However, if you have at least 2+ years of clean credit history and a credit score of 670+, you should have reasonably good approval odds.

What are the downsides of the Capital One Venture X card?

There aren’t many downsides to the Capital One Venture X card aside from the fact that the card charges a sizeable annual fee. Another downside, in our view, is that the 10x rewards on hotels and rental cars, along with the 5x rewards on flights and vacation rentals, are limited to bookings made through the Capital One Travel portal. This makes it difficult for those working toward airline or hotel elite status, as bookings made through Capital One generally are treated as third-party bookings and therefore do not qualify for elite status.

Is the Capital One Venture X card hard to get approved for?

Objectively speaking, the Capital One Venture X card should not be that hard to get approved for. Provided that you have a good credit score, at least 2 years of clean credit history, and an income high enough that would suggest that you can regularly pay your balance.

Capital One Venture X Rewards Credit Card – Full Review [2025]

Updated: October 3, 2025, 6:57am CDT

Edited by:

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

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Great Card If

You want an all-in-one premium travel card that offers strong rewards earning, lounge access, and access to transfer partners
You don’t mind making all of your travel bookings through Capital One Travel

Don’t Get If

You book most of your airfare and hotels directly to earn elite status
You don’t want a credit card that charges an annual fee

Capital One Venture X Card — Is It Worth It?

For the most part, the Capital One Venture X card is perfect if you’re looking for a 1-card setup when it comes to travel rewards, want a premium card that offers lounge access, and don’t mind making all of your travel purchases through Capital One Travel.

Given that, it comes as no surprise why writers at Upgraded Points love the Capital One Venture X card, like Senior Content Contributor Katie Seemann, who had this to say about the card:

“Keeping the Capital One Venture X card in my wallet year after year is an easy decision since the $300 annual travel credit and yearly 10,000 bonus miles more than cover the cost of the $395 annual fee (rates & fees). I use it for spending categories that aren’t covered on other cards since it earns 2 miles per dollar on every purchase. On top of that, this card comes with access to Capital One Lounges, which are my favorite domestic airport lounges.”
Katie Seemann, senior content contributor

Capital One Venture X Card Benefits

The Capital One Venture X card could also be a good fit if you’re looking for a card that offers the following perks and benefits:

Annual Travel Credit and Bonus Points

While the Capital One Venture X card does charge a $395 annual fee (rates & fees), these 2 benefits alone will help take the sting out of that fee, as each year you will receive a $300 annual travel credit that can be used towards any purchase made through Capital One Travel. Plus, you’ll get 10,000 bonus miles added to your account, worth a minimum of $100 when redeemed towards cash-back — or even more when you transfer to the Capital One transfer partners.

Lounge Access

Like any good premium credit card, the Capital One Venture X card offers airport lounge access — a welcome perk for all types of travelers. Cardholders will gain access to 1,300+ airport lounges worldwide, including Capital One Lounge locations and Priority Pass lounges^TM, after enrollment.

Capital One Lounges rival the quality of the massively popular American Express Centurion Lounges.

Global Entry or TSA PreCheck Credit

Global Entry and TSA PreCheck are easily 2 of the most useful benefits for travelers, as there are few things worse than standing in the standard security lines or customs lines at the airport. Global Entry and TSA PreCheck help you bypass the standard lines, giving you an expedited security experience.

Hertz Rewards Elite Status

Capital One Venture X cardholders cardholder, get the most out of your car rental with complimentary Hertz President’s Circle status. Skip the rental counter and choose from the widest selection of cars. Plus, enjoy guaranteed upgrades. Register for status through the link in your Capital One account.

How To Earn and Redeem Capital One Miles

It is easy to rack up lots of miles with the Capital One Venture X card thanks to the card’s bonus categories, including the ability to earn an uncapped 2x miles per $1 spent. Of course, there are tons of great ways to earn Capital One miles other than just card spend.

Using Capital One transfer partners is by far your best option if you’re looking to get as much value out of your miles as possible. After all, redeeming your miles this way will allow you to book first and business class flights for a mere fraction of the cash cost.

Capital One offers 20+ transfer partners for you to choose from, most of which can be transferred at a 1:1 rate, including fantastic partners like Air Canada, Avianca, and Turkish Airlines.

Hot Tip:

Need some ideas for great ways to redeem your Capital One miles? Read through our guide on the best ways to redeem your Capital One miles!

Alternative Cards to the Capital One Venture X Card

Chase Sapphire Reserve^®

In many ways, you’ll find the Chase Sapphire Reserve card to be pretty similar to the Capital One Venture X card. The Chase Sapphire Reserve card also offers 8x points on Chase travel portal bookings, but it also offers 4x points on airlines and hotels booked direct and 3x points on dining.

While its annual fee is quite a bit higher, it also includes benefits like a $300 annual travel credit, access to Chase Sapphire Lounges and a Priority Pass Select membership, a Global Entry credit, DoorDash DashPass (if activated by December 31, 2027), and much more.

Platinum Card^® from American Express

If you’re really looking for a premium card with premium benefits, it doesn’t get much better than the Amex Platinum card. While it does come with a hefty annual fee (rates & fees), it is absolutely loaded with perks.

We’ve also compared the Capital One Venture X card to these popular cards:

Capital One Venture X card vs. American Express^® Gold Card
Capital One Venture X card vs. Capital One Venture Rewards Credit Card
Capital One Venture X card vs. Capital One VentureOne Rewards Credit CardInformation collected independently. Not reviewed by Capital One.
Capital One Venture X card vs. Chase Sapphire Preferred^® Card
Capital One Venture X card vs. Citi Strata Premier℠ Card

UP’s Card Review Methodology

Every card we review is assigned a "U.P. Rating" – our star-based system that encompasses all the key details to showcase a card’s standout features, where it falls short, and how it stacks up for travelers to maximize rewards.

These ratings range from 0 to 5 stars and are determined by carefully weighing crucial factors like:

Bonus categories
Benefits and perks
Quality of associated loyalty programs
Annual fees and other costs
Size of the welcome bonus (and relative to the annual fee)
And several more

You can learn more about how Upgraded Points reviews and rates credit cards.

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

Upon enrollment, accessible through the Capital One website or mobile app, eligible cardholders will remain at that status level through the duration of the offer. 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.