Capital One
Capital One Venture X Rewards Credit Card
A premium U.S. travel rewards credit card offering unlimited 2x miles on purchases, elevated rewards through Capital One Travel, annual travel credit, anniversary miles, and airport lounge access.
Highlights
Main benefits
- $395 annual fee
- 75,000 bonus miles offer may be available
- 10x miles on hotels booked through Capital One Travel
- 10x miles on rental cars booked through Capital One Travel
- 5x miles on flights booked through Capital One Travel
- 5x miles on vacation rentals booked through Capital One Travel
- 2x miles on all other purchases
- $300 annual Capital One Travel credit
- 10,000 anniversary miles every year
- Capital One Lounge access
- Priority Pass lounge access after enrollment
- No foreign transaction fees
- Up to $120 Global Entry or TSA PreCheck® credit
- Visa Infinite travel benefits may apply
Fees
Fees and charges
Joining fee
$395 annual fee
Renewal fee
$395 annual fee
Annual fee waiver
No standard annual fee waiver. The card has a $395 annual fee.
- Travel credit / annual benefit**
$300 annual Capital One Travel credit;
10,000 anniversary miles every year;
Capital One lists both benefits for Venture X on its travel cards page.
Who can apply
Eligibility
Best suited for U.S. applicants with excellent credit. Approval depends on Capital One’s review of credit history, income, debt obligations, identity verification, and other underwriting factors.
Checklist
Documents required
- Government-issued ID
- Social Security Number or ITIN, where applicable
- U.S. residential address
- Income/employment details
- Date of birth
- Contact details
Process
How to apply
1. Visit the official Capital One Venture X Rewards Credit Card page
2. Check the latest welcome offer, APR, annual fee, lounge rules, and reward terms
3. Use Capital One pre-approval/check eligibility if available
4. Click “Apply Now”
5. Enter personal, income, and contact details
6. Submit the application and wait for Capital One’s decision
Value
Reward and cashback structure
Reward rate
10x miles on hotels and rental cars booked through Capital One Travel;
5x miles on flights and vacation rentals booked through Capital One Travel;
2x miles on every other purchase;
Capital One currently lists these Venture X reward rates on its official card information.
Cashback
Not primarily a cashback card. Rewards are earned as Capital One miles. Miles can generally be used for travel bookings, statement credits against eligible travel purchases, transfers to travel partners, gift cards, and other eligible redemption options.
Good fit
Pros
- Strong premium travel value for frequent travelers
- Unlimited 2x miles on everyday purchases
- High rewards on Capital One Travel bookings
- $300 annual travel credit helps offset the annual fee
- 10,000 anniversary miles add yearly value
- Airport lounge access included
- No foreign transaction fees
- Useful Global Entry or TSA PreCheck® credit
- Miles can be transferred to travel partners
- Lower annual fee than some luxury travel cards
Watchouts
Cons
- $395 annual fee is high for casual users
- Best rewards require booking through Capital One Travel
- Travel credit is limited to Capital One Travel bookings
- No specific fuel surcharge waiver
- Lounge guest rules and additional cardholder lounge access rules may change
- Not ideal for users who want simple cashback
- Requires excellent U.S. credit eligibility
- Travel portal prices should be compared before booking
Related
Related cards
Compare
Compare Cards
| Field | Capital One Venture X Rewards Credit Card | United℠ Explorer Card |
|---|---|---|
| Bank/provider | Capital One | Chase Bank USA, N.A. |
| Joining fee | $395 annual fee | $0 intro annual fee for the first year, then $150 |
| Renewal fee | $395 annual fee | $150 annual fee after the first year |
| Best for | Frequent travelers, airport lounge access, international travel, simple travel rewards, Capital One Travel bookings, users who want premium benefits with lower effective cost than many luxury travel cards | United Airlines flyers, checked bag savings, priority boarding, United MileagePlus® miles, occasional United Club lounge access, travelers who fly United a few times per year |
| Reward rate |
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| Cashback |
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| Lounge access | Capital One Venture X primary cardholders get access to Capital One Lounges and 1,300+ participating lounges worldwide through Priority Pass after enrollment |
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| Fuel surcharge waiver | Not applicable / No specific fuel surcharge waiver | Not applicable / No specific fuel surcharge waiver |
| Welcome benefit | Capital One currently lists 75,000 bonus miles for Venture X, subject to meeting the required spending terms shown during application |
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| Annual fee waiver condition |
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| Eligibility |
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| Apply link | Apply Now | Apply Now |
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