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Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.The Capital One Venture X Rewards Credit Card is worth it for frequent travelers. You can easily recoup the card’s $395 annual fee just by redeeming the annual $300 travel credit and 10,000 bonus miles. Plus, you’ll get a premium earning rate on travel purchased through the Capital One Travel portal and a higher-than-average 2X miles for all other purchases.
The Capital One Venture X Rewards Credit Card comes with a slew of valuable travel protections, including trip cancellation insurance and lost luggage reimbursement. If lounge access is what you’re after, this card might be your best bet. It’s one of the most affordable options for premium lounge access if you use the yearly travel credits and bonuses to cancel out the $395 annual fee.
That said, more expensive premium cards like The Platinum Card® from American Express offer even more perks like additional travel credits and complimentary Hilton and Marriott elite status (enrollment required). If you have the budget for a pricier card and are looking for top-of-the-line travel perks, you should consider another travel card instead.
Intro Purchase APR
N/A
Regular Purchase APR
19.99% - 29.24% (Variable)
Intro BT APR
N/A
Regular BT APR
19.99% - 29.24% (Variable)
Annual Fee
$395
Cash Advance Fee
5% of the amount of the cash advance, but not less than $5
Foreign Transaction Fee
None
Balance Transfer Fee
Balance Transfer Fee applies to balances transferred at a promotional rate
The Capital One Venture X Rewards Credit Card offers new cardmembers a huge sign-up bonus:
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.
Capital One miles are worth around 1 cent per mile when redeemed for travel, so this bonus is worth about $750 (or more, with the right travel transfer partner).
High rewards rates on travel make the Capital One Venture X Rewards Credit Card one of the best premium travel cards on the market. If you’re looking for a card that will allow you to earn top rewards rates on flights, hotels, vacation rentals and rental cars with a lower annual fee (see rates & fees) than most premium cards, this card should be on your shortlist. You’ll be able to earn 10X miles on hotel bookings – a rate that rivals that of hotel rewards cards – without losing out on your hotel points. Note that you will need to book via the Capital One Travel portal in order to earn these high rewards rates.
The Capital One Venture X Rewards Credit Card also stands out when it comes to its rewards rate on all purchases. Most other premium travel cards only give you 1X points per dollar, but the Capital One Venture X Rewards Credit Card offers 2X miles per dollar on every purchase. This means you’ll be able to rack up the miles quickly if you spend a lot on purchases outside of travel.
Capital One miles are easy to redeem. You can turn your miles into travel statement credits or transfer them to a Capital One travel partner to squeeze the most value out of your rewards. Just like Chase Ultimate Rewards® and American Express Membership Rewards, Capital One has its own set of transfer partners that allow cardholders to maximize their rewards for at least 1 cent per mile.
That said, you also have several other redemption options available to you. Just know that they might not be as valuable:
| Redemption option | Mile value (in cents) |
|---|---|
| Cover select travel purchases (including vacation rentals) | 1 |
| Redeem with PayPal | 0.8 |
| Shop with Amazon | 0.8 |
| Get gift cards | 0.8-1 |
| Redeem for cash back | 0.5 |
| Transfer your rewards to travel loyalty programs | Depends on the transfer partner and ratio |
| Book a trip through Capital One travel | 1 cent |
| Transfer your rewards to another Capital One account | 1 cent |
You can transfer your Capital One Venture X Rewards Credit Card miles to 15+ travel partners, typically at a 1:1 ratio. Unlike Chase and Amex, Capital One doesn’t currently partner with a major U.S. airline. That said, it does have some great airline partners, like Air Canada Aeroplan.
With a little savvy spending, you can get more than 1 cent in value per mile with most of these partners.
Capital One airline partners
| Partner | Airline Alliance | Transfer Ratio |
|---|---|---|
| Aeromexico Club Premier | SkyTeam | 1 : 1 |
| Air Canada Aeroplan | Star Alliance | 1 : 1 |
| Asia Miles (Cathay Pacific) | oneworld | 1 : 1 |
| Avianca LifeMiles | Star Alliance | 1 : 1 |
| British Airways Executive Club | oneworld | 1 : 1 |
| Emirates Skywards | N/A | 1 : 1 |
| Etihad Guest | N/A | 1 : 1 |
| Finnair Plus | oneworld | 1 : 1 |
| Flying Blue (Air France/KLM) | SkyTeam | 1 : 1 |
| Qantas Frequent Flyer | oneworld | 1 : 1 |
| Singapore Airlines KrisFlyer | Star Alliance | 1 : 1 |
| TAP Miles&Go | Star Alliance | 1 : 1 |
| Turkish Airlines Miles&Smiles | Star Alliance | 1 : 1 |
| Virgin Red | N/A | 1 : 1 |
| EVA Air Infinity MileageLands | Star Alliance | 1000 : 750 |
Capital One hotel partners
| Partner | Transfer ratio |
|---|---|
| ALL - Accor Live Limitless | 1000 : 500 |
| Choice Privileges® | 1 : 1 |
| Virgin Red | 1 : 1 |
| Wyndham Rewards | 1 : 1 |
Among the top benefits of the Capital One Venture X Rewards Credit Card are the variety of travel credits for cardholders. These credits fully offset the card’s annual fee (see rates & fees):
The Capital One Venture X Rewards Credit Card comes with a number of travel and purchase protections designed to offer you some peace of mind.
The Capital One Venture X Rewards Credit Card is one of the most affordable cards for premium airport lounge access. You’ll get unlimited access to Capital One Lounges and 1,300+ Priority Pass lounges worldwide. This is a great deal if you are able to use the yearly $300 travel credit and 10,000 bonus miles to cancel out the $395 annual fee (see rates & fees).
Capital One Travel has thousands of flights, hotels and rental cars available for booking on its site. The innovative Capital One booking experience includes predictive pricing models and tools for finding the best deals possible. You’ll also have access to free price drop protection, 24/7 alert technology and the option to freeze a price and return to book it later.
Capital One Venture X Rewards Credit Card members will receive automatic Hertz President’s Circle status, which means you’ll get guaranteed upgrades and will have the ability to choose from the widest selection of cars. You’ll need to enroll to get this benefit, and you’ll retain this status through the duration of the offer.
Capital One Venture X Rewards Credit Card holders can add authorized users to an account for no fee (see rates & fees). Your additional cardmembers can enjoy most of the same benefits, and their purchases will earn you rewards.
Cardmembers have access to the Visa Infinite Concierge, which can help you with special requests, including things like dinner reservations, Broadway tickets, and access to music and sporting events.
High annual fee
You’ll have to contend with a high annual fee. Keep in mind, though, that the travel credits you receive with the Capital One Venture X Rewards Credit Card more than make up for the $395 annual fee (see rates & fees). Other premium credit cards charge more.
No automatic hotel elite status
Most other premium travel credit cards offer automatic hotel elite status, but this is missing from the Capital One Venture X Rewards Credit Card’s list of benefits. The Platinum Card® from American Express, for example, offers both Marriott and Hilton elite status through card membership (enrollment required).
No major U.S. airline travel partners
While Capital One boasts more than 15 travel partners, none of its partner airlines are U.S. carriers. Competitor cards like the Chase Sapphire Reserve® have transfer partners like JetBlue, Southwest and United.
Travel credit and benefits tied to travel portal
In order to use the $300 annual travel credit and earn high rewards rates on travel purchases, you’ll need to book through Capital One Travel. While the Capital One Travel portal has plenty of options, you may find this restriction frustrating if you are used to looking for the best deal on every flight or hotel reservation.
Capital One recommends an excellent credit score for the Capital One Venture X Rewards Credit Card. Make sure your credit score falls in this range and that you can afford the $395 annual fee before applying in order to increase your chances of acceptance (see rates & fees).
| Credit Cards | Our Ratings | Rewards Rate | Welcome Offer | Annual Fee | |
|---|---|---|---|---|---|
Capital One Venture X Rewards Credit Card
|
2X - 10X miles
| 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 | $395 | ||
The Platinum Card® from American Express
|
5X points
| Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. | $695 | ||
Chase Sapphire Reserve®
 Apply Now
on Chase's secure site Rates & Fees |
1X - 10X points
| Earn 60,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. | $550 |
Apply Now
on Chase's secure site Rates & Fees |
|
Chase Sapphire Preferred® Card
Apply Now
on Chase's secure site Rates & Fees |
1X - 5X points
| Earn 60,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. | $95 |
Apply Now
on Chase's secure site Rates & Fees |
While it’s more expensive than the Capital One Venture X Rewards Credit Card, The Platinum Card® from American Express is the better choice if you’re seeking luxury travel benefits. Travel perks and credits include:
The two cards boast comparable welcome offers and earning rates. Keep in mind that the points that you earn with The Platinum Card® from American Express are more valuable, thanks to the wide variety of Amex travel partners.
While the Capital One Venture X Rewards Credit Card gives it a run for its money, the Chase Sapphire Reserve® still holds the title of the most flexible luxury travel card. For a higher $550 annual fee, the Chase Sapphire Reserve® offers a broader list of travel transfer partners, including United and Southwest. It also has a more flexible $300 travel credit that applies to most travel purchases. Your account will be credited automatically when you make a purchase that counts as travel.
Your Chase Ultimate Rewards® points are worth more, too. You can redeem your points for travel through Chase TravelSM to get a 50% bonus. Plus, you can pair it with other Chase cards to get points in extra spending categories. This flexibility makes the points you earn with the card generally more valuable than Capital One Venture miles.
The Chase Sapphire Reserve® offers many of the same benefits as the Capital One Venture X Rewards Credit Card, so the choice between the two mostly comes down to whether you think the extra flexibility (and extra points via other Chase cards) justifies the higher annual fee.
If you care less about lounge access and more about collecting points for travel, the Chase Sapphire Preferred® Card is a lower-cost alternative to the Capital One Venture X Rewards Credit Card.
Though it’s not considered a premium credit card, the Chase Sapphire Preferred® Card is one of the top travel credit cards on the market. It only charges a $95 annual fee and offers a similar rewards rate.
Like the Chase Sapphire Reserve®, the points you earn with the Chase Sapphire Preferred® Card are very flexible and valuable. They can be transferred to the same set of travel partners.
If you spend at least $400 on travel every year and don’t need every luxury travel perk on the market, the Capital One Venture X Rewards Credit Card might be the right travel card for you. You’ll earn miles on everyday purchases — even non-travel expenses — and recoup the annual fee with recurring travel credits (see rates & fees). Plus, you can add authorized users to your account for free, which is an unusual perk for premium travel cards.
For travelers who want a lower annual fee, the Chase Sapphire Preferred® Card or another, less expensive travel card might be a better option.
Points are valued at 1 cent per point, so if your flight costs $200, you’ll need 20,000 miles, and so on. You can potentially get more value out of your points by transferring them to one of Capital One’s transfer partners.
Yes, the Capital One Venture Rewards Credit Card has a $95 annual fee (see rates & fees). The annual fee for the Capital One Venture X Rewards Credit Card is $395 (see rates & fees). You’ll save in annual fees by choosing the Capital One Venture Rewards Credit Card, but you’ll miss out on travel credits and higher rewards rates.
Your Capital One card should not be declined if you have enough credit available on your card to make your desired purchase. Capital One uses Visa and Mastercard cards, which are accepted most places that take credit cards throughout the world.
To see rates & fees for American Express cards mentioned on this page, visit the links provided below:
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
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