Edited by: Stella Shon
& Kellie Jez
Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). However, the credit card information that we publish has been written and evaluated by experts who know these products inside out. We only recommend products we either use ourselves or endorse. This site does not include all credit card companies or all available credit card offers that are on the market. See our advertising policy here where we list advertisers that we work with, and how we make money. You can also review our credit card rating methodology.
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.
19.99% - 29.99% (Variable)
The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.
The Capital One Venture X Rewards Credit Card is the premium Capital One travel rewards card on the block.
Points and miles fans will be surprised to see that the Capital One Venture X card packs quite the punch when it comes to bookings made through Capital One, all while offering the lowest annual fee among premium credit cards.
Depending on your travel goals and preferences, the Capital One Venture X card could very well end up being your go-to card in your wallet.
For the most part, the Capital One Venture X card is perfect for someone who is looking for a 1-card setup when it comes to travel rewards, wants a premium card that offers lounge access, and doesn’t mind making all of their 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
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:
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.
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 1,400 airport lounges worldwide. You also have access to 110+ Plaza Premium Lounges.
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.
Capital One Venture X cardholders can score some additional benefits on their Hertz rentals thanks to their complimentary Hertz President’s Circle status, which is usually only achieved after 15 rentals or $3,000 in spend.
Hertz President’s Circle includes the following benefits:
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 the 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.
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!
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, and much more. Plus, your points are worth 50% more when redeemed through the Chase travel portal.
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:
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:
You can learn more about how Upgraded Points reviews and rates credit cards.
For Capital One products listed on this page, some of the above benefits are 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 upgraded status level through December 31, 2024. 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.
The information regarding the Capital One Venture Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Capital One VentureOne Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
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 (rates & fees). 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 that is fine with you, then the Capital One Venture X card might be a perfect fit for you!
With the Capital One Venture X card, you can access all Priority Pass lounges, plus Plaza Premium Lounges and Capital One Lounges.
Yes, the Capital One Venture X card charges a $395 annual fee.
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.
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.
No, your Capital One miles should never expire as long as your account remains open and in good standing.
The Capital One Venture X card is a Visa card. The Visa network processes transactions on over 3.8 billion credit cards with over 100 million merchants worldwide.