The Capital One Venture X Rewards Credit Card is one of the most competitive premium travel credit cards on the market today. Known for its robust rewards program, travel benefits, and relatively low annual fee (for a premium card), it is designed for frequent travelers who want value, flexibility, and exclusive perks.
In this guide, we’ll explore everything you need to know about the Capital One Venture X card — including its features, benefits, drawbacks, and how you can apply.
Card Type: Premium Travel Rewards Credit Card
Annual Fee: $395
APR: Variable APR of 19.99% – 29.99% (based on creditworthiness)
Credit Needed: Excellent (Typically a credit score of 720 or above)
New cardholders can earn a 75,000-mile welcome bonus after spending $4,000 on purchases within the first 3 months from account opening. That’s equivalent to $750 toward travel — and even more when redeemed through Capital One’s travel portal or transferred to partners.
10X miles on hotels and rental cars booked through Capital One Travel
5X miles on flights booked through Capital One Travel
2X miles on all other purchases
These rates are among the best in the industry, especially for general spending.
Each year, cardholders receive 10,000 bonus miles on their card anniversary — a value of at least $100 when redeemed toward travel.
Cardholders receive up to $300 annual travel credit for bookings made through Capital One Travel. This can be used for flights, hotels, and rental cars.
Capital One Venture X offers extensive airport lounge access:
Unlimited visits to Capital One Lounges (currently in select major airports)
Priority Pass Select membership, which provides access to over 1,300 airport lounges worldwide for you and two guests
This is a huge perk for frequent flyers who want a quieter, more comfortable airport experience.
High rewards on travel purchases
Valuable travel credits and lounge access
Strong travel protections
Flexible redemption options
Ability to add authorized users at no cost
$395 annual fee (though easily offset by benefits)
Travel credit is only applicable through Capital One Travel
Fewer Capital One Lounge locations (currently expanding)
This card is ideal for:
Frequent travelers who fly several times a year
People who want luxury perks (like lounge access) without a $695+ annual fee (as with the Amex Platinum)
Those who prefer flexibility in redeeming rewards
Cardholders who value simplicity with strong earnings on all purchases (2X miles on everything)
Applying for the Venture X is straightforward. Here’s how you can do it:
Make sure your credit score is Excellent (720+). Capital One typically approves applicants with strong credit histories.
You’ll need:
Full legal name
Social Security Number (SSN) or ITIN
Date of birth
Income information
Employment status
Monthly housing or rent payment
Visit the official Capital One website and follow these steps:
Click “Apply Now”
Complete the application form and submit
Most applicants receive a decision within seconds. If additional review is needed, it could take a few days.
If approved, your card typically arrives within 7–10 business days. You can begin using the card for virtual purchases through your Capital One online account or app immediately in some cases.
The Capital One Venture X Rewards Credit Card is one of the best premium travel cards currently available, offering exceptional value through its rewards structure, travel benefits, and annual perks. While it does come with a $395 annual fee, the benefits — including the $300 travel credit, 10,000 anniversary miles, and unlimited lounge access — far outweigh the cost for most travelers.
If you’re a frequent traveler looking for a single card that offers rewards, luxury, and practicality, the Venture X is well worth considering.