4.6 / 5 \u00b7 Bonus Eagle score
Capital One
Venture X
Welcome bonus
75,000Capital One
Annual fee
$395
Purchase APR
19.99% – 29.49%
Credit needed
Excellent (740+)
on Capital One's secure site
The bottom line
The Venture X is the easiest premium card to justify. The $300 travel credit and 10,000 mile anniversary bonus mean the effective annual fee is around $95 — the same as a Sapphire Preferred — but with double the travel benefits.
At a glance
Pros and cons.
Pros
- $300 annual travel credit through Capital One Travel
- 10,000 anniversary miles each year
- Priority Pass + Capital One Lounge access
- Effective annual fee is $95 after credits
- Authorized users free
Cons
- Capital One's transfer partners are weaker than Chase or Amex
- Capital One Travel portal can be limiting
The editorial review
Our take on this card.
The Venture X is the easiest premium card to justify. The $300 travel credit and 10,000 mile anniversary bonus mean the effective annual fee is around $95 — the same as a Sapphire Preferred — but with double the travel benefits. The catch: Capital One's transfer partners are simpler and less valuable than Chase or Amex.
How you earn
Rewards by category.
Hotels & rental cars via Capital One Travel
10x
Flights via Capital One Travel
5x
All other purchases
2x
Rates and fees
The full disclosure.
All rates and fees current as of publication. Verify against the issuer's official Terms and Conditions before applying.
Annual fee
$395
Purchase APR
19.99% – 29.49%
Foreign transaction fee
None
Frequently asked
Questions readers ask.
After credits, almost certainly yes. The card comes with a $300 annual travel credit through Capital One Travel, 10,000 anniversary bonus miles (worth $150+), Priority Pass, and Capital One Lounge access. If you use all the credits, the effective annual fee drops to roughly negative $55. The card pays you to keep it.
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