How Does LendingTree Get Paid?
LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.
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Advertising Disclosure
LendingTree is an advertising-supported comparison service. The site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products. We are compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order).

Advertising Disclosure

LendingTree is an advertising-supported comparison service. The site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products. We are compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order).
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American Express Disclosure
Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

American Express Disclosure

Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

Capital One Venture X Rewards Credit Card Review

Capital One Venture X Rewards Credit Card
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
Rewards Rate
2 Miles per dollar on every purchase, every day; 10 Miles per dollar on hotels and rental cars booked through Capital One Travel; 5 Miles per dollar on flights booked through Capital One Travel
APR
19.99% - 29.99% (Variable) for purchases and balance transfers
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It was not reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

Our take: If you’re looking for a premium travel card with competitive rewards rates on travel and everyday purchases, the Capital One Venture X Rewards Credit Card is one of the best. It outperforms competitor cards with its rewards rates on all purchases – and has a lower annual fee.

Pros and cons

  • Earn valuable sign-up bonus
  • Top rewards rate on travel
  • $300 annual travel credit covers most of annual fee
  • Extensive lounge access
  • 10,000 bonus miles every account anniversary
  • Complimentary Hertz President’s Circle status*
  • Add authorized users for free
  • $395 annual fee
  • No automatic elite status at hotels
  • No major U.S. airline travel partners
  • Travel credit and benefits tied to travel portal

Is the Capital One Venture X Rewards Credit Card worth it?

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.

See Capital One Venture X Rewards Credit Card rates and fees.

Who is the Capital One Venture X Rewards Credit Card best for?

The Capital One Venture X Rewards Credit Card is best for frequent travelers who are looking for travel perks and credits that will make their next trip more enjoyable. For those not looking to break the bank on a more expensive premium card, the Capital One Venture X Rewards Credit Card is an excellent choice.

For people looking to spend more in order to get more perks out of their premium travel credit card, it may be worth it to apply for a card like The Platinum Card® from American Express instead.

Quick facts

    • 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®
    • For Capital One products listed on this page, some of the 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
  • Recommended Credit
    Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
  • 720 850
    Excellent
  • 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
  • Earning rate: 2 Miles per dollar on every purchase, every day; 10 Miles per dollar on hotels and rental cars booked through Capital One Travel; 5 Miles per dollar on flights booked through Capital One Travel
  • Annual fee: $395
  • $300 travel credit: Up to a $300 annual credit for bookings made on Capital One Travel
  • Anniversary bonus: 10,000 bonus miles every account anniversary (equal to $100 towards travel)
  • Lounge access: Unlimited access to Capital One Lounges and 1,300+ Priority Pass lounges worldwide
  • Up to $100 credit for either TSA PreCheck® or Global Entry
  • Complimentary Hertz President’s Circle status*

Intro Purchase APR

N/A

Regular Purchase APR

19.99% - 29.99% (Variable)

Intro BT APR

N/A

Regular BT APR

19.99% - 29.99% (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

See Capital One Venture X Rewards Credit Card rates and fees.

Capital One Venture X Rewards Credit Card sign-up bonus

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).

What’s it worth?: $750 in travel statement credits

Capital One Venture X Rewards Credit Card rewards

The Capital One Venture X Rewards Credit Card allows you to earn 2 Miles per dollar on every purchase, every day; 10 Miles per dollar on hotels and rental cars booked through Capital One Travel; 5 Miles per dollar on flights booked through Capital One Travel.

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 and rental cars with a lower annual fee 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.

Best ways to redeem Capital One miles

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 optionMile value (in cents)
Cover select travel purchases (including vacation rentals)1
Redeem with PayPal0.8
Shop with Amazon0.8
Get gift cards0.8-1
Redeem for cash back0.5
Transfer your rewards to travel loyalty programsDepends on the transfer partner and ratio
Book a trip through Capital One travel1 cent
Transfer your rewards to another Capital One account1 cent
One drawback of the Capital One Venture X Rewards Credit Card is that miles are only worth 0.5 cents when redeemed for cash back, which means you’ll lose value if you need to cash out your rewards in a pinch. Other premium cards like the Chase Sapphire Reserve® and Chase Sapphire Preferred® Card allow you to cash out your points at 1 cent per point.

Transferring miles to a transfer partner

You can transfer your Capital One Venture X Rewards Credit Card miles to 18 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

PartnerAirline AllianceTransfer Ratio
Aeromexico Club PremierSkyTeam1 : 1
Air Canada AeroplanStar Alliance1 : 1
Asia Miles (Cathay Pacific)oneworld1 : 1
Avianca LifeMilesStar Alliance1 : 1
British Airways Executive Cluboneworld1 : 1
Emirates SkywardsN/A1 : 1
Etihad GuestN/A1 : 1
EVA Air Infinity MileageLandsStar Alliance1000 : 750
Finnair Plusoneworld1 : 1
Flying Blue (Air France/KLM)SkyTeam1 : 1
Qantas Frequent Flyeroneworld1 : 1
Singapore Airlines KrisFlyerStar Alliance1 : 1
TAP Miles&GoStar Alliance1 : 1
Turkish Airlines Miles&SmilesStar Alliance1 : 1
Virgin RedN/A1 : 1

Capital One hotel partners

PartnerTransfer ratio
ALL - Accor Live Limitless1000 : 500
Choice Privileges1 : 1
Virgin Red*1 : 1

Capital One Venture X Rewards Credit Card travel credits

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:

  • Up to a $300 annual credit for bookings made on Capital One Travel. This is one of the most valuable travel credits offered by a travel card, but you have to use it on Capital One Travel. While Capital One’s travel site does offer a wide variety of options, you won’t be able to compare prices from other sites to snag the best deal. For a more flexible travel credit that’s easier to redeem, check out the Chase Sapphire Reserve®.
  • $100 credit for either TSA PreCheck® or Global Entry. The Capital One Venture X Rewards Credit Card offers up to a $100 credit to cover your application fee for TSA PreCheck® or Global Entry. You should apply this travel credit toward your Global Entry application fee, since Global Entry includes TSA PreCheck®.
  • 10,000 bonus miles every account anniversary. The Capital One Venture X Rewards Credit Card gives members 10,000 bonus miles every account anniversary, which is equal to $100 toward travel. This annual gift will give you a little something to kickstart your travels each year (and help alleviate the annual fee).

Travel and purchase protections

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.

  • Trip cancellation and interruption insurance: You’ll get trip cancellation and interruption insurance when you book your trip using your card.
  • Extended warranty protection: Eligible products you purchase with your card will automatically get extended warranties.
  • Return protection: Cardholders get 90 days of return protection for purchases made using your card.
  • Cell phone protection: When you pay your cell phone bill using your card, your phone is automatically protected for the following month. That means you can get reimbursed if your cell phone is stolen or damaged. You’ll pay a $50 deductible.
  • Lost luggage reimbursement: Your bags will be covered against carrier-caused loss or theft when you book your trip with your card.
  • Auto rental collision damage waiver: When you decline the auto insurance offered by the rental agency and book your car rental using your card, you’ll receive automatic car rental coverage.

Other Capital One Venture X Rewards Credit Card benefits

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 to 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.

 

With Priority Pass access, cardmembers can visit thousands of airport lounges around the world. These lounges include perks like complimentary refreshments, free Wi-Fi, sleeping areas, spa treatments and more.

 

Capital One Lounges are full of premium amenities, like cycling and yoga rooms and futuristic nap pods, and cardholders will be allowed to bring two guests per visit for free. The only Capital One lounge currently open is in the Dallas/Fort Worth airport, but the Denver and Washington – Dulles airport lounges are scheduled to open soon.

See Capital One Venture X Rewards Credit Card rates and 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 2024.

Capital One Venture X Rewards Credit Card holders can add authorized users to an account for no fee. Your additional cardmembers can enjoy most of the same benefits, and their purchases will earn you rewards.

See Capital One Venture X Rewards Credit Card rates and fees.

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.

Drawbacks

  • 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. Other premium credit cards charge more.

    See Capital One Venture X Rewards Credit Card rates and fees.

  • 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 18 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 Venture X Rewards Credit Card credit score

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 Capital One Venture X Rewards Credit Card rates and fees.

Capital One Venture X Rewards Credit Card vs. The Platinum Card® from American Express

| Disclosures
The Platinum Card® from American Express
The Platinum Card® from American Express
apply-now-icon Apply Now
on American Express's secure site
Rates & Fees
| Terms Apply
N/A
See Pay Over Time APR
$695
5X Membership Rewards® points on flights booked directly with airlines or with
  • Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
  • $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
  • $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, SiriusXM, and The Wall Street Journal. Enrollment required.
  • $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership (subject to auto-renewal) with a statement credit after you pay for Walmart+ each month with your Platinum Card®. Cost includes $12.95 plus applicable local sales tax. Plus Up Benefits are excluded.
  • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
  • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only.
  • $300 Equinox Credit: Get up to $300 back in statement credits per calendar year on an Equinox membership, or an Equinox club membership (subject to auto-renewal) when you pay with your Platinum Card®. Enrollment required. Visit https://platinum.equinox.com/ to enroll.
  • $189 CLEAR® Plus Credit: Breeze through security with CLEAR Plus at 100+ airports, stadiums, and entertainment venues nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Platinum Card®. Learn more.
  • $100 Global Entry Credit: Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
  • Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
  • $300 SoulCycle At-Home Bike Credit: Get a $300 statement credit for the purchase of a SoulCycle at-home bike with your Platinum Card®. An Equinox+ subscription is required to purchase a SoulCycle at-home bike and access SoulCycle content. Must charge full price of bike in one transaction. Shipping available in the contiguous U.S. only. Enrollment Required.
  • Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
  • $695 annual fee.
  • Terms Apply.
660 720 850
Good/Excellent

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.


Verdict: More travel credits and perks for a higher annual fee

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:

  • Access to exclusive American Express Centurion Lounges
  • Up to $300 Equinox credit (enrollment required)
  • Up to $240 digital entertainment credit (enrollment required)
  • Complimentary Hilton Honors and Marriott Bonvoy elite status (enrollment required)

The two cards offer 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.

To see rates & fees for The Platinum Card® from American Express please click here.

Capital One Venture X Rewards Credit Card vs. Chase Sapphire Reserve®

| Disclosures
Chase Sapphire Reserve®
Chase Sapphire Reserve®
apply-now-icon Apply Now
on Chase's secure site
N/A
22.49% – 29.49% Variable
$550
Earn 5x total points on flights and 10x total points on hotels
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $900 toward travel
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority PassTM Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
  • Member FDIC
720 850
Excellent

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.


Verdict: Better transfer partners and a more flexible travel credit

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 Ultimate Rewards® 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.

Capital One Venture X Rewards Credit Card vs. Chase Sapphire Preferred® Card

| Disclosures
Chase Sapphire Preferred® Card
Chase Sapphire Preferred® Card
apply-now-icon Apply Now
on Chase's secure site
N/A
21.49%–28.49% variable
$95
Enjoy benefits such as 5x on travel purchased through Chase Ultimate Rewards®, 3x
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
  • Enjoy benefits such as 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, and $50 annual Ultimate Rewards Hotel Credit, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
  • Member FDIC
720 850
Excellent

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.


Verdict: A less expensive alternative for collecting rewards

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® card, 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.

Should you get the Capital One Venture X Rewards Credit Card?

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. 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.

See Capital One Venture X Rewards Credit Card rates and fees.

Frequently asked questions

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. The annual fee for the Capital One Venture X Rewards Credit Card is $395. 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.

See Capital One Venture Rewards Credit Card rates and fees.

See Capital One Venture X Rewards Credit Card rates and fees.

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.

*Upon enrollment, accessible through the Capital One website or mobile app, eligible cardholders will remain at upgraded status level through Dec. 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.

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

To see rates & fees for The Platinum Card® from American Express please click here.