Edited by: Jessica Merritt
& Juan Ruiz
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.
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.
The current bonus on the Capital One Venture X card is listed in this table:
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.
Some of the Capital One Venture X card’s benefits include:
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.
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.
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:
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.
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.
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.
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.
The Capital One Venture X card has an annual fee of $395 (rates & fees).
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.
We value Capital One miles at 1.8 cents each, which makes 75,000 Capital One miles worth $1,350 by our valuations.
Since we value Capital One miles at 1.8 cents apiece, we think 100,000 Capital One miles are worth $1,800.
Yes, the Capital One Venture X card has a credit limit.
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:
Check out our detailed guide on the requirements, ideal credit score, and approval tips for the Capital One Venture X card.
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.
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.
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.
Yes, the Capital One Venture X card is metal and weighs 17 grams, which is the heaviest credit card that Capital One has.
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.
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:
Here are some of the brands that participate in the Premier Collection:
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).
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.
Was this page helpful?