Capital One Venture X Rewards Credit Card – Full Review [2024]

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. With the card, you’ll get a Priority Pass Select membership, which grants you access to over 1,300 airport lounges worldwide. You also have access to 110+ Plaza Premium Lounges.

Plus, you’ll receive access to Capital One Lounges, which 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 15+ 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.

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 10x points per $1 on hotels and car rentals and 5x miles per $1 on flights purchased through the Chase travel portal, but it also offers 3x points per $1 on all other travel purchases and dining purchases.

While its annual fee is quite a bit higher, it also includes benefits like an annual travel credit, a Priority Pass Select membership, a Global Entry credit, Lyft Pink membership, DoorDash DashPass (if activated by December 31, 2027), and much more. Plus, your points are worth 50% more when redeemed through the Chase travel portal.

The 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, 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 Card
• Capital One Venture X card vs. Chase Sapphire Preferred^® Card
• Capital One Venture X card vs. Citi Strata Premier℠ Card

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.