Premium travel credit cards offer luxury benefits with a price to match, and one option is the Capital One Venture X Rewards Credit Card. Cardholders can earn 2 miles per dollar on every purchase, plus more for travel booked through Capital One Travel. Learn more about the Capital One Venture X Rewards Credit Card to find out if it’s worth the $395 annual fee.
[Read: Rewards Credit Cards]
Valuable Benefits That Offset the Venture X Card’s Annual Fee
If you decide to take the plunge and apply for the Capital One Venture X Rewards Credit Card, the benefits should be worth the annual fee. Here are some of the most valuable perks:
— 75,000-mile sign-up bonus. As a new cardholder, you’ll earn 75,000 Miles as a sign-up bonus when you spend $4,000 on purchases in the first 3 months from account opening. This translates to $750 toward travel.
— $300 annual travel credit. Each year, you’ll get a travel credit of $300 when you book through Capital One Travel.
— 10,000-mile anniversary bonus. Every year, starting on your first anniversary, you’ll receive 10,000 bonus miles, worth $100 toward travel.
— Global Entry or TSA PreCheck® credit. Speed up your airport experience by applying for Global Entry or TSA PreCheck. Capital One reimburses up to $120 once every four years when you use your Venture X card to pay your application fee.
— Lounge access. Cardholders will receive unlimited complimentary entrance to Capital One Lounges and Priority Pass™ airport lounges across the U.S. after enrollment.
Capital One no longer offers complimentary guest access to Capital One Lounges, Capital One Landings or Priority Pass lounges. Authorized users don’t have lounge access but can purchase annual lounge access for $125 per cardholder.
Guests 18 years and older pay a $45 fee per visit to the lounge, and kids 17 and under pay $25. Children under 2 enter the lounge for free. “If the cardholder spends over $75,000 on the Venture X card in a year, the guest lounge access would be extended to include two guests admitted into Capital One Lounges and one guest in Capital One Landings,” says John Perri, travel advisor and travel blogger at John The Wanderer.
— Up to 10 miles per dollar on travel. If you book travel regularly, rewards on those purchases can add up quickly. You’ll earn an unlimited 10 miles per dollar on hotels and rental cars booked through Capital One Travel and 5 miles per dollar on flights and vacation rentals booked through Capital One Travel.
[Read: Cash Back Credit Cards]
What’s the Difference Between the Venture Rewards Credit Card and Venture X?
Capital One offers two levels of its flagship Venture travel rewards card — the Capital One Venture Rewards Credit Card and Capital One Venture X. While these two travel credit cards offer similar earning power, benefits and features, there are significant differences, too.
— Annual fee. The Venture Rewards Credit Card has a $95 annual fee, which is substantially more affordable for budget-conscious consumers than the $395 annual fee for the Venture X.
— Higher earning power with Capital One Travel. When booking travel with Capital One, you earn 5 miles per dollar on hotels and rental cars with the Venture Rewards Card. However, the Venture X bumps up to 10 miles per dollar on hotels and rental cars.
— Annual credits and bonus miles. The Venture Rewards Card does not offer the same kind of annual incentives to its cardholders. While the Venture X Card has a $395 annual fee, its net cost is effectively zero after its $300 travel credit and 10,000 anniversary miles.
Is the Venture X Card Hard to Get?
The Venture X card may be hard to get for some applicants. Capital One not only looks at your credit score, but it also considers other factors when reviewing your application, including recent account openings. You are not eligible to open a new Capital One consumer card if you’ve opened another one in the last six months, so wait until this time limit has passed before opening another card.
What Credit Score Do You Need for the Capital One Venture X Rewards Credit Card?
For the best chances of approval, applicants should have excellent credit, or a FICO score between 740 and 850.
[Read: Credit Cards With No Annual Fee]
Is the Capital One Venture X Rewards Credit Card Right for You?
The Capital One Venture X Rewards Credit Card offers tremendous value for travelers. Its $395 annual fee is offset by a bevy of benefits, including an annual $300 travel credit and 10,000 anniversary miles each year. Miles earned by the card can be used to book travel, cover travel purchases or transfer to more than 15 airline and three hotel chains. However, a downside is that travelers may not be familiar with many of the partner loyalty programs.
Bethany Walsh, founder of the website Bougie Miles, which helps people travel using their points and miles, says she loves the Venture X card for both experienced and beginner travelers. “Advanced rewards travelers benefit from the card’s international airline transfer partners, while beginning travelers can easily use its miles to book travel or cover travel purchases.”
More from U.S. News
Is the Sephora Credit Card Worth It?
Is That Credit Card Sign-Up Bonus Worth It?
When Is a Credit Card Annual Fee Worth It?
Is the Capital One Venture X Rewards Credit Card Worth its $395 Annual Fee? originally appeared on usnews.com
Update 08/21/26: This story was previously published at an earlier date and has been updated with new information.
