Capital One Venture X Reviews: 75,000 Bonus MilesReviews, rates, fees, and rewards details for The Capital One Venture X Rewards Credit Card. Compare to other cards and apply online in secondsJohn KiernanWalletHub75,000-mile initial bonus2 - 10 miles per $1 spent on purchasesAnnual statement credit & bonus opportunitiesAirport lounge access$395 annual feeNot good for financingRequires excellent credit
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.8
User Reviews
3.3
Market Comparison
4.2
fees: 1.3
rewards: 4.8
cost: 4.7
Other Features: 5.0
75,000 Miles
when you spend $4,000 on purchases in the first 3 months from account opening.
Capital One Venture X is a good credit card to apply for if you’re a high-spending, frequent traveler with excellent credit. The Venture X Card’s $395 annual fee is worth it if you take advantage of the big initial bonus (worth up to $750), attractive ongoing rewards and numerous other perks that Capital One Venture X offers. For example, you can get free airport lounge access, plus the opportunity to earn hundreds of dollars in statement credits each year.
WalletHub Rating Breakdown
User Reviews
3.3/5
39 reviewsRead and write reviews
Editor’s Review
4.8/5
John Kiernan, Credit Card EditorRead full review
Market Comparison
Market Comparison
4.2
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Earn Rewards” for this card.
Fees
1.3
Rewards
4.8
Cost
4.7
Other Features
5.0
4.2/5
Compared against 1,500+ credit cards
KEY TERMS
75,000 Miles
when you spend $4,000 on purchases in the first 3 months from account opening.
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit
Capital One Venture X Annual Fee
$395
Capital One Venture X APR on Purchases
19.99% - 29.99% (V)
Capital One Venture X Balance Transfer
APR: 19.99% - 29.99% (V)
Balance Transfer Fee:$0 at the Transfer APR, 4% of each transferred balance at a promo APR that Capital One may offer
Capital One Venture X Rewards
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®
Capital One Venture X's Additional Info
Trip Cancellation and Interruption*: Add peace of mind to your itinerary when you use your Venture X card to book your travel
Extended Warranty Protection*: Extend your qualifying product warranties automatically when you purchase using your Venture X card
Return Protection*: Keep your options open with 90 days of Return Protection, here to help when you make a qualifying purchase with your card
Cell Phone Protection*: Protect your cell phone every time you pay your bill. When you pay your monthly wireless bill with your covered Capital One card, your cell phone is protected for the next calendar month. So, you can get reimbursed if your cell phone is stolen or damaged ($50 deductible)
Visa Infinite Concierge*: Concierge who can help you with requests, like dinner reservations, or Broadway, music and sporting event tickets
Baggage Delay Reimbursement*: Your bags are covered against common carrier-caused loss or theft with Lost Luggage Reimbursement* when you use your Venture X card to purchase common carrier tickets
Trip Delay Reimbursement*: Anticipate delays when you purchase air travel with your covered Visa Infinite card, with Trip Delay coverage of up to $500 when you’re stuck for more than six hours or require an overnight stay
Auto Rental Collision Damage Waiver*: Count on built-in auto rental coverage. Save money by saying no at the counter – rent with your covered Visa Infinite card and get built-in Auto Rental Coverage
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
Capital One Venture X is a good credit card to apply for if you’re a high-spending, frequent traveler with excellent credit. The Venture X Card’s $395 annual fee is worth it if you take advantage of the big initial bonus (worth up to $750), attractive ongoing rewards and numerous other perks that Capital One Venture X offers. For example, you can get free airport lounge access, plus the opportunity to earn hundreds of dollars in statement credits each year.
The downsides of Capital One Venture X are its high annual fee, APR and credit score requirement. Although you can get your money’s worth from the annual fee if you use the card wisely, carrying a balance from month to month and racking up interest charges would decrease the card’s value considerably. The Capital One Venture X also is harder to get than the average credit card. I still think it’s worth considering if you travel a lot and you’re not on a tight budget, though.
Below, you can learn more about what I like and don’t like about this offer. Hopefully, this information will help you make the right decision for your situation.
What I Like About Capital One Venture X
75,000-mile initial bonus
If you make at least $4,000 in purchases during the first 3 months after you’re approved for an account, you’ll earn a bonus of 75,000 miles, equal to $750 in travel. That’s one of the best bonuses available right now and enough value to cover the cost of owning the card for the first year.
For context, the average bonus among credit cards offering points or miles right now is just 30,381 points/miles.
2 - 10 miles per $1 spent on purchases
Capital One Venture X rewards you handsomely for making purchases, and this isn’t a limited-time promotion. You’ll earn 10 miles per $1 spent on hotels and rental cars booked through Capital One Travel, 5 miles per $1 spent on flights booked through Capital One Travel, 5 miles per $1 spent on Capital One Entertainment purchases through 12/31/25, and 2 miles per $1 on all other purchases. These miles are basically as good as cash if you redeem them for travel, as you’ll get 1 cent per 1 mile this way, according to WalletHub’s research.
Just to put these elite rewards into perspective, the average credit card with miles gives cardholders only 1.25 miles per $1 spent on purchases. Similarly, the average cash rewards card gives 1.17% back.
Up to $300+ in statement credits per year
You will get statement credits for the first $300 that you spend through Capital One Travel each year. Plus, every 12 months, if you decide to keep your account open for another year and pay the annual fee, you will be rewarded with 10,000 bonus miles. Those miles are redeemable for $100 in travel purchases, and I think their primary purpose is to help cushion the blow of the card’s annual fee somewhat.
Access to 1,300+ airport lounges
Cardholders get free entrance into Capital One Lounge locations in select U.S. airports, along with lounges that belong to Capital One’s Partner Lounge Network, including hundreds of Priority Pass lounges around the world. You get to bring at least two guests with you for free as well.
Up to $100 for Global Entry/TSA PreCheck
If you decide to apply for either of these airport screening programs, this credit will cover the cost. I hear these programs are very helpful in a lot of situations, though you may still have to wait in the occasional line.
$0 foreign transaction fee
Like all other Capital One credit cards, Capital One Venture X does not charge extra for purchases processed outside the U.S. That will come in handy whether you travel abroad or shop online from foreign merchants. No one wants to pay 3% more than necessary just because they have the wrong card.
What I Don't Like About the Capital One Venture X
$395 annual fee
The Capital One Venture X annual fee is $395, which makes Capital One Venture X the most expensive Capital One credit card you can own. It also means you need to use the card a lot to make sure you’re getting at least enough value from the rewards and other benefits to cover the investment in the annual fee.
19.99% to 29.99% (V) APR
If you don’t pay the Capital One Venture X Card’s bill in full every month, interest will accrue at a rate of 19.99% to 29.99% (V), depending on your credit standing. The same rate also applies to balance transfers.
Most elite travel rewards cards have high interest rates, but it’s still worth pointing out that the average credit card for people with excellent credit has an APR of just 18.01%. Furthermore, if you need to transfer a balance or make big-ticket purchases that will take months to pay off, I recommend using a 0% APR credit card instead.
750 credit score recommended
The Capital One Venture X Card requires excellent credit, which means you will probably need a credit score of 750 or better if you want high approval odds. You can check your latest credit score for free on WalletHub.
Before you apply for Capital One Venture X or turn your attention to other offers, I recommend reading reviews from other users. Seeing what cardholders have to say about Capital One Venture X can be very informative.
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Capital One Venture X Video Review
Compare The Capital One Venture X vs. Popular Alternatives
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.8
User Reviews
3.3
Market Comparison
4.2
fees: 1.3
rewards: 4.8
cost: 4.7
Other Features: 5.0
4.1WalletHub Rating
WalletHub Rating
4.1
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.4
User Reviews
3.3
Market Comparison
4.1
fees: 1.3
rewards: 4.8
cost: 4.8
Other Features: 0.0
4.6WalletHub Rating
WalletHub Rating
4.6
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Can't find what you are looking for? Submit your question about Capital One Venture X Rewards Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.
The best Capital One Venture X Credit Card benefits are rental car insurance and cellular telephone protection. The Capital One Venture X Rewards Credit Card also has travel and emergency assistance services and purchase security, which are more common perks across Capital One credit cards. 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.
Capital One Venture X Credit Card Benefits
Rental Car Insurance
Cellular Telephone Protection
Travel and Emergency Assistance Services
Lost Luggage Reimbursement
Trip Delay Reimbursement
Trip Cancellation And Interruption
Extended Warranty Protection
Return Protection
Visa Infinite Concierge
Capital One Lounge Access
In addition to these benefits, the Capital One Venture X Credit Card comes with a $395 annual fee and offers rewards on all purchases. If you have excellent credit, the Capital One Venture X Rewards Credit Card is certainly a card to consider adding to your wallet.
The easiest way you can apply for the Capital One Venture X card is online. You will need to fill in a form with your personal, contact, and financial information. Usually, a decision is made instantly when you apply online. But it could take longer if the issuer needs to verify your information.
Keep in mind that the Capital One Venture X requires excellent credit for high chances of approval.
Other ways to apply for the Capital One Venture X card:
You cannot check for Capital One Venture X (see Rates & Fees) pre-approval. Capital One does not offer pre-approval for this card through its website, so anyone interested in applying for the Capital One Venture X (see Rates & Fees) Card will have to do so without the benefit of checking for pre-approval beforehand.
You can, however, use WalletHub's CardAdvisor tool instead and learn how easy it is to find the right credit card for you. Just answer a few general questions, and CardAdvisor will provide you with...
To get the Capital One Venture X (see Rates & Fees) Credit Card sign-up bonus, new cardholders must spend $4,000 within the first 3 months of opening an account. The Capital One Venture X (see Rates & Fees) Credit Card bonus is 75,000 miles.
Keep in mind, however, that you will not be eligible for this introductory bonus if you currently have the Capital One Venture X (see Rates & Fees) Credit Card, regardless of whether you previously received the bonus. You also may not be eligible if you recently earned the bonus.
Yes, the Capital One Venture X card does offer cell phone insurance (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). The Capital One Venture X (see Rates & Fees) card gives cardholders up to $800 per claim to repair or replace a damaged or stolen phone, if they charge their phone bill to the card every...
The Capital One Venture X (see Rates & Fees) Card extended warranty protection will lengthen the original manufacturer's warranty by up to 1 extra year for warranties of 3 years or less (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). The maximum coverage amount is $10,000 per item and $50,000 per account. For...
Yes, the Capital One Venture X Rewards Credit Card (see Rates & Fees) is a metal credit card. The Capital One Venture X (see Rates & Fees) weighs around 17 grams, compared to 5 grams for a traditional credit card made of plastic. Functionally, the metal Capital One Venture X (see Rates & Fees) Card doesn't work any differently than a plastic credit card, though it will be more durable.
Quick Facts About the Metal Capital One Venture X (see Rates & Fees) Card
Yes, Capital One does offer lost luggage reimbursement with some of its credit cards. One of the best Capital One cards that offer this benefit is the Capital One Venture X Rewards Credit Card (see Rates & Fees). This card pays up to $3,000 per trip to repair or replace your luggage, and the personal belongings contained within if your bag is lost or damaged during a covered trip. For Capital One products listed on this page, some of the above benefits are provided by Visa®...
The Capital One Venture X Rewards Credit Card is a rewards credit card for people with excellent credit that offers 10 miles per $1 spent on hotels and rental cars booked through Capital One Travel, 5 miles per $1 spent on flights booked through Capital One Travel, 5 miles per $1 spent on Capital One Entertainment purchases through 12/31/25, and 2 miles per $1 on all other purchases. It has an annual fee of $395.
Key Facts About the Capital One Venture X Card
Type of credit card: Rewards credit card
Rewards: 10 miles per $1 spent on hotels and rental cars booked through Capital One Travel, 5 miles per $1 spent on flights booked through Capital One Travel, 5 miles per $1 spent on Capital One Entertainment purchases through 12/31/25, and 2 miles per $1 on all other purchases
Initial bonus: 75,000 miles for spending $4,000 in the first 3 months
To log in to your Capital One Venture X Rewards Credit Card (see Rates & Fees) account, go to the login page on the Capital One website or mobile app and enter your username and password in the appropriate fields. Then, click the “Sign In” to access your online account.
How to Log in to a Capital One Venture X (see Rates & Fees) Credit Card Account
Register your Capital One Venture X (see Rates & Fees) credit card for online account access. Click “Set Up Online Access” and enter your name, date of birth, credit card...
Share your insights and review for the Capital One Venture X Rewards Credit Card
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33%
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3.3
39 reviews
39 reviews
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Troy @ts06099
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4 Star Rating
Verified Customer
Was approved with a $20K limit to start. There may be some redundancy, as I also have the American Express Platinum card. My first Visa Infinite, so a nice addition, nonetheless.
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Free Frank @FreeFrank
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2 Star Rating
Booking travel or stay using Capital One Travel is more expensive than other online sites. For my dates, Expedia "Hotel Eiffel Turenne, Paris" was $162 (signed in) and $180 (regular). However, it was $256 on www.capitalonetravel.com. Anyone can become an Expedia member with an email.
I called the Capital One customer service, and they said you have to first book on their site and then "call" for an adjustment, not email or text, but "call". If approved, they will adjust to the "regular prices" of other sites, "price should be visible when they open it". Well, what if the price changes? Even if I provide a screenshot, I would just get it to $180. Plus, 10x points equals $18. So $180 - $18 = $162. It works out to the Expedia member price. Hmm..but if i book in expedia, I also can get 2x points on Capital One plus Expedia points.
So you take all the risk and waste time to end up behind even with the 10X points.
This is not just one example; I've searched many different places we will be visiting for a month. One thing is common: "Capital One Travel is super expensive and simply is not a smart option".
Anyway, lounge access is a pretty good benefit for me, so I am sticking with them for that. However, all the hype about 10x points is nonsense.
Oh! also, the said $300 towards travel credit can be applied to any past purchase. But they now apply only via their travel site bookings.
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Wimberly398 @Wimberly398
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3 Star Rating
Verified Customer
It's an okay card with much to be desired. I don't have the card, but my brother does. With a few tweaks, I would consider getting it, like 10x on flights and 5x on flights outside the portal, for instance.
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murel @murel
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1 Star Rating
Verified Customer
Capital One as a company, SUCKS! They have laid off thousands here in the U.S only to send those jobs to the Philippines. I am in the process of canceling all my Capital One credit cards, and taking my business to Chase and American Express. Also, a wise person would check Raisin.com for interest rates because Capital One sucks there too.
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cody_basch @cody_basch
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1 Star Rating
Rebate rewards typically won't apply once applied to account. The travel portal is a total waste of time. I've tried to book 5 trips and every time an error message is delivered and I've ended up booking elsewhere. The Hertz President's Circle has also been a complete hassle. The transfer partners are not as valuable as Chase Sapphire. Trying to decide which card to switch to now.
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harkner @harkner
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1 Star Rating
Scam! Watch out - after 6 months and $50k in travel expenses every time I booked a room at a stated price, the price would be hiked during the checkout with a message that the room rate had increased. Just to verify that it wasn't a fluke I tried 5 other hotels and they all mysteriously increased in price during check out. I then went to Expedia and got the same room for 20% less than Capital One/Hopper was advertising it (and even a greater discount vs. their sudden price surge). I'll be spending my 500k travel points and then dropping Crapital One right into the Hopper.
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presgsmwml @presgsmwml
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1 Star Rating
The card is okay, at best. It's a premium travel card that doesn't currently have lounge access at Denver, which is one of the largest airports in the world. The only way to get a hold of customer service is by phone, and the service part is very lacking. I get much better service from my first credit card from when I was in college (a free Discover card). The ability to redeem your points for any travel purchase is nice, but there are 2% cash back cards that do that. If you just want a card to feel fancy for a minute, go for it. If you want a card for travel benefits (which is how it's marketed), I'd keep looking.
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Dexter Dewitt @sagewisdom
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3 Star Rating
I was optimistic that Capital One's travel site would offer competitive pricing and ease of booking. As a new cardholder, I can now report after several airline and hotel searches, that the site it’s not all that user friendly and hotel pricing is often elevated.
My first failed airline booking experience on the site was my inability to book a multi-city European flight. That functionality does not currently exist. One can only book a RT flight to the same city. I also had a problem recently getting a seat assignment when booking a flight with a discount air carrier, and the base fare indicated was $20 higher on the Capital One travel site than the air carrier site.
I also find hotel prices on the Capital One Travel to be consistently at or above what I would call prevailing retail rates. While sometimes they’re right at the prevailing retail rate, often they appear slightly higher, perhaps $5-$10 above the standard retail rate found elsewhere.
I’ve noted that hotel rates are often 5%-15% cheaper these days if one books using an app, versus booking directly on a travel company website. On your phone you'll see something that will say, "Mobile only," or "Book now on the app, save 10%,” etc. Also, many independent hotels offer the absolute lowest rate and additional perks if travelers book their stay on the hotel’s own website, and don’t use a travel consolidator.
After a call to Capital One Travel Customer Service, they report they will only price match hotel rates that are booked directly online using a traditional Internet web search on a computer using the large established travel websites. (No Capital One price matching for lower hotel prices obtained via a travel site app), Obtaining a price match is often onerous in my experience. I don’t want the hassle and inconvenience of trying to fight for price matching, especially for a small sum.
The bottom line for me is that I dislike using the Capital One travel portal. I find its user friendliness and design lacking and I perceive their hotel and car rental pricing to be at or modestly above market rate for the most part. Using their site will unearth no "deals," if that is what you are after.
Frankly, the Capital One Venture X is best suited for business travelers who travel on the company dollar and don’t really care if they find the most affordable flight, car rental, or hotel price. It’s just a place to transact and pay Retail-plus, in my personal opinion.
I prefer booking my airfare directly on an air carrier website and using whatever creative resources that are at my disposal to unearth competitive hotel and car rental rates. This might include opaque style hotel sites, app based discounts, direct bookings on hotel sites, using corporate or discount codes for car rentals, using Reward Points promotions, etc.
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Tarique Rubab @tariqueabrar14
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1 Star Rating
Verified Customer
terrible card. Never missed a payment or was informed of anything wrong with my card. Got declined at the store while trying to pay, called CS. they had me send in my ID, SSN and BANK statement, then told me they would need 10 days to remove restrictions because i was spending too much on my card. Save yourself the money and time, get chase reserve or amex platinum.
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eegisme @eegisme
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1 Star Rating
817 less than 2% utilization 2 hard inquirys 0 late payments gets middle APR. Good Luck if your shooting for the 16.99 that was offered at the time I applied (now 17.something). You might need a 850? I called and they couldnt tell me why. I truely believe nobody gets prime rate with Capital One. Last 3 cards I got over 5 years I got prime rate with 800-820 and came other specs.
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Review Capital One Venture X Rewards Credit Card
Expert Thoughts on Capital One Venture X
To help you make an informed decision about applying for the Capital One Venture X Rewards Credit Card, we posed the following questions to a panel of experts. You can check out their responses by clicking “Read More” below.
Is there a minimum income you’d recommend someone having before they apply for a credit card that costs hundreds of dollars per year to own?
Do consumers lose out on anything when booking travel accommodations through a credit card company’s booking portal?
What is the best way to put a value on features such as airport lounge access and concierge service?
What type of person would you recommend the Capital One Venture X Rewards Credit Card to?
Maggie Daniels Ph.D., Professor of Tourism and Events Management, School of Sport, Recreation and Tourism Management, College of Education and Human Development, George Mason University Read More
Robert J. Thompson Ph.D., CHA, TMP, Assistant Professor of Business Administration, William Carey University, School of Business Read More
Scott Thorne Ph.D., Instructor, Department of Marketing, Southeast Missouri State University Read More
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. When you click "Apply Now" you will be directed to the offering institution's website. In addition, keep in mind that actual rates and other information may vary for a number of reasons including the applicant's' creditworthiness and differences between an individual's situation and the criteria/assumptions used to generate the information displayed. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
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Capital One Venture X Rewards Credit Card is an Editor's Pick for:
