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21 FAQs About the Capital One Venture X Card [Rewards, Perks, Approval Odds & More]

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Stephen Au
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Stephen Au

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Stephen is an established voice in the credit card space, with over 70 to his name. His work has been in publications like The Washington Post, and his Au Points and Awards Consulting Services is used...
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The Capital One Venture X Rewards Credit Card is one of the most exciting ultra-premium credit cards to hit the market in recent history. This particular credit card earns exceptional rewards, has unique travel perks, and is actually one of the best credit cards for the whole family.

In this guide, we’ll walk you through all of the most crucial questions consumers have about the Capital One Venture X card.

1. What is the Capital One Venture X Card’s Bonus?

The current bonus on the Capital One Venture X card is listed in this table:

Capital One Venture X Rewards Credit CardTerms 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.

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

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.
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.
75,000 miles
$1,350
$395
19.99% - 29.99% (Variable)
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Excellent (740-840)

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.

 

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

 

  • 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®

Financial Snapshot

  • APR: 19.99% - 29.99% (Variable)
  • Foreign Transaction Fees: None

Card Categories

Rewards Center

Capital One Miles

 

2. What Are the Capital One Venture X Card’s Benefits?

Some of the Capital One Venture X card’s benefits include:

3. Does the Capital One Venture X Rewards Credit Card Offer Extended Warranty?

The Capital One Venture X card offers a solid extended warranty benefit. When you purchase eligible items using your card with an original U.S. manufacturer’s warranty of 3 years or less, you’ll get 1 additional year of coverage.

Should you need to file a claim for reimbursement, you can qualify for up to $10,000 per item and up to $50,000 per calendar year total.

4. Does the Capital One Venture X Card Offer Purchase and Return Protection?

Yes, the Capital One Venture X card offers both benefits! First, the card’s purchase security benefit covers eligible items for up to 90 days after the date of purchase against theft or damage, with a benefit amount of up to $10,000 per item and $50,000 per calendar year.

In addition, you can access return protection through the Capital One Venture X card, which covers you if you attempt to make a return of an eligible item within 90 days from the date that it was purchased, and your return gets denied. Specifically, you can get up to $300 per item in return protection, with a maximum of $1,000 in total reimbursements per calendar year.

5. Can You Downgrade the Capital One Venture X Card?

Capital One Venture vs Capital One Venture One Upgraded Points LLC
A downgrade to a lower fee option may not be possible. Image Credit: Upgraded Points

Even though the Capital One Venture X card is considered the ultra-premium version of the Capital One Venture Rewards Credit Card or the Capital One VentureOne Rewards Credit Card, you aren’t always allowed to downgrade your Capital One Venture X card to the lower fee options.

Downgrade offers are available only to certain cardholders — other cardholders will have no choice but to close their Capital One Venture X cards.

You can check for your downgrade offers by following these steps:

  1. Visit the Capital One homepage and log into your online account.
  2. Select your Capital One Venture X card.
  3. Click I Want To…
  4. Under Offers and Upgrades, click View Offers and Upgrades.
  5. If you have a downgrade offer, it’ll be available there. If no downgrade offers are available, you were not targeted to downgrade your card.

Theoretically, you can downgrade to the Capital One Venture card, Capital One VentureOne card, and even the Capital One Quicksilver Cash Rewards Credit Card.

The most important takeaway is that not everybody can downgrade the Capital One Venture X card; some of us just have to cancel the card instead of downgrading it.

6. Can I Upgrade the Capital One Venture Card to the Capital One Venture X Card?

Capital One Phone
You may be eligible to upgrade the Capital One Venture card to the Capital One Venture X card. Image Credit: JHVEPhoto via Adobe Stock

To upgrade your Capital One Venture card, you’ll first need to have your card open for at least 12 months.

Because the Capital One Venture X card is a Visa Infinite card, you’ll need a minimum of $10,000 in credit limit to be eligible to upgrade from the Capital One Venture card to the Capital One Venture X card.

You can access upgrade offers through the process we listed above for downgrade offers. You can also call the number on the back of your card to upgrade the card over the phone.

7. What Are the Capital One Venture X Card’s Concierge Benefits?

The Capital One Venture X card’s concierge benefit is the Visa Infinite concierge, which is similar to the concierge service offered to cardholders of the Chase Sapphire Reserve®.

The Visa Infinite concierge can help plan and book travel, dining, and entertainment worldwide. This includes top restaurant reservations and access to exclusive or presale tickets.

8. Is the Capital One Venture X Card Hard To Get?

The Capital One Venture X card is probably the most exclusive Capital One card.

It has strict approval requirements. Beyond having an excellent credit score of 760 or above, we recommend not opening more than 6 credit cards in the last 2 years before applying for this credit card.

We have seen applicants with credit scores as high as 800 and above getting declined for this card because they had applied for too many credit cards in the months leading up to this application.

9. How Much Does the Capital One Venture X Card Cost?

The Capital One Venture X card has an annual fee of $395 (rates & fees).

10. What Is the Highest Credit Limit on a Capital One Venture X Card?

The highest limit we have seen on the Capital One Venture X card is $100,000. However, you’re unlikely to get this credit limit immediately.

You will likely start at a maximum of $30,000 and can work your way up to higher credit limits by proving your creditworthiness, including paying your bills and avoiding maxing out your cards.

11. How Much Are 75,000 Capital One Miles Worth?

We value Capital One miles at 1.8 cents each, which makes 75,000 Capital One miles worth $1,350 by our valuations.

12. How Much Are 100,000 Capital One Miles Worth?

Since we value Capital One miles at 1.8 cents apiece, we think 100,000 Capital One miles are worth $1,800.

13. Does the Capital One Venture X Card Have a Credit Limit?

Yes, the Capital One Venture X card has a credit limit.

14. What Score Is Needed for the Capital One Venture X Card?

We recommend having a credit score of at least 760 before applying for the Capital One Venture X card. More importantly, we recommend having fewer than 6 new credit card accounts opened in the past 24 months when applying.

Capital One is wary of applicants who have recently applied for lots of credit cards, which can turn into an instant decline if you’re not careful.

Hot Tip:

15. Can I Use the Capital One Venture X Card at Costco?

Absolutely! The Capital One Venture X card is a Visa card accepted at Costco and Costco.com. Remember that you’ll still need a Costco membership to use the Capital One Venture X card when you’re there.

16. How Do You Get Approved for the Capital One Venture X Card?

The easiest way to get approved for the Capital One Venture X card is to have an excellent FICO score of 760 or above and apply for the card when you have very few new credit card accounts on your credit report.

We recommend having at most 6 new credit cards opened in the past 24 months when applying for the Capital One Venture X card.

17. Does Capital One Do a Hard Pull for the Capital One Venture X Card?

Yes, Capital One performs a hard inquiry for all credit card applications, including the Capital One Venture X card. Furthermore, Capital One performs hard inquiries from all 3 major credit bureaus: Experian, Equifax, and TransUnion.

18. Is the Capital One Venture X Card Metal?

Yes, the Capital One Venture X card is metal and weighs 17 grams, which is the heaviest credit card that Capital One has.

19. Are There Coworking Benefits With the Capital One Venture X Card?

The Capital One Venture X card does not have any coworking benefits. Despite sharing the same name as Venture X (a coworking office space franchise), the Capital One Venture X card is unrelated to Venture X.

20. Does the Capital One Venture X Card Give Hotel Status?

Capital One Premier Collection
Earn bonus miles with Premier Collection properties. Image Credit: Capital One

Although the Capital One Venture X card doesn’t give hotel status at any major chains, it does offer access to the Premier Collection, which is a selection of luxury hotels and resorts that offer these perks:

  • Earn 10x Capital One miles on Premier Collection stays (Be sure to check out the full terms and conditions for Premier Collection (https://capitalonetravel.com/premier-collection/) and Capital One Travel (https://travel.capitalone.com/terms-of-service/)
  • Daily breakfast for 2
  • Room upgrade, if available
  • Early check-in, if available
  • Late checkout, if available
  • Experience credit worth up to $100 once per stay
  • Free Wi-Fi

Here are some of the brands that participate in the Premier Collection:

  • 1 Hotels
  • Design Hotels
  • The Leading Hotels of the World
  • Montage

21. Do Capital One Venture X Card Authorized Users Get Lounge Access?

Yes! The Capital One Venture X card allows you to add up to 4 authorized users for no additional annual fees (rates & fees). What makes this feature special is that authorized users have almost all of the same benefits as the primary cardholder (primarily excluding the travel credits and anniversary miles), including lounge access (as well as their own Priority Pass Select membership).

Final Thoughts

The Capital One Venture X card is one of the most special credit cards available today. Earning outsized rewards on every purchase and a minimum return on spending of 3.6% is amazing.

But coupled with the 10,000-mile anniversary bonus, access to Capital One Lounges, select Plaza Premium Lounges, and Priority Pass lounges, and the ability to confer benefits to 4 authorized users at no additional charge makes this card potentially worth thousands of dollars every single year.

The biggest challenge is qualifying for this card. Hopefully, we’ve answered all of your most burning FAQs about the Capital One Venture X card in this guide!


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.

Enrollment required through Capital One website or mobile app. Upon enrollment, 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 X Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
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.
The information regarding the Capital One Quicksilver Cash Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

Stephen Au's image

About Stephen Au

Stephen is an established voice in the credit card space, with over 70 to his name. His work has been in publications like The Washington Post, and his Au Points and Awards Consulting Services is used by hundreds of clients.

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