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

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Jarrod West
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Jarrod West

Senior Content Contributor

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Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 6 years. He earns and redeems over 1 million points per year and his work has been featured in o...
Edited by: Stella Shon
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Stella Shon

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With a degree in media and journalism, Stella has been in the points and miles game for more than 6 years. She most recently worked as a Corporate Communications Analyst for JetBlue. Find her work in ...
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Kellie Jez

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Kellie’s professional experience has led her to a deep passion for compliance, data reporting, and process improvement. Kellie’s learned the ins and outs of the points and miles world and leads UP’s c...

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Capital One Venture X Rewards Credit Card
Terms Apply / Rates & Fees

Capital One Venture X Rewards Credit Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
4.55
Learn More(at Capital One's secure site)
  • 75,000 miles

  • $395

  • 19.99% - 29.99% (Variable)

  • Excellent (740-840)

Capital One Venture X Rewards Credit Card

The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
4.55
Learn More(at Capital One's secure site)

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.

 

Card Snapshot

Welcome Bonus & Info

  • 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®

Rewards Center

Capital One Miles

 

Customer Service Number

877-383-4802

Login Link

capitalone.com

Pros

  • 10x miles per $1 on hotels and rental cars purchased through Capital One Travel
  • 5x miles per $1 on flights purchased through Capital One Travel
  • 2x miles per $1 on all other purchases
  • $300 annual travel credit on bookings made through Capital One Travel
  • Unlimited complimentary access for cardholder and 2 guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
  • 10,000 bonus miles awarded on your account anniversary each year
  • Global Entry or TSA PreCheck credit
  • Add authorized users for no additional annual fee (rates & fees)
  • No foreign transaction fees (rates & fees)

Cons

  • $395 annual fee (rates & fees)
  • Does not offer bonus categories for flights or hotel purchases made directly with the airline or hotel group, the preferred booking method for those looking to earn elite status

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 in order 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.

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 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.

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:


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 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.

For rates and fees of The Platinum Card® from American Express, click here.
For rates and fees of the American Express® Gold Card, click here.

Frequently Asked Questions

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!

What lounges can you access with the the Capital One Venture X card?

With the Capital One Venture X card, you can access all Priority Pass lounges, plus Plaza Premium Lounges and Capital One Lounges.

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

Yes, the Capital One Venture X card charges a $395 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, 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.

Jarrod West's image

About Jarrod West

Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 6 years. He earns and redeems over 1 million points per year and his work has been featured in outlets like The New York Times.

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