Capital One Venture X Credit Card Review 2025

2X Miles on Every Purchase

One thing I appreciate most about my Venture X is that it earns at least 2X miles on every purchase. This makes it an excellent daily use card for purchases that don’t typically earn bonus rewards with my other cards—things like my utility and cellphone bills, purchases at my local hardware store and medical bills.

Premium Perks Without the Premium Price

The Capital One Venture X Rewards Credit Card has a $395 annual fee. That’s not cheap per se, but it’s quite a bit lower than the annual fees of competing premium travel cards like the Chase Sapphire Reserve® and the American Express Platinum Card® (Terms apply, see rates & fees). Despite its comparatively lower cost, the Venture X doesn’t skimp on perks. Here are the most notable travel benefits that have convinced me that the Venture X card’s annual fee is well worth it:

• $300 annual travel credit. Get a $300 annual credit for Capital One Travel bookings.
• 10,000-mile anniversary bonus. Receive 10,000 bonus miles each year on your card member anniversary. Those 10,000 miles are worth $100 when redeemed for travel.
• Lounge access. Gain access to over 1,300 lounges worldwide (after enrollment), including Priority Pass™ lounges, as well as the few (but growing) number of Capital One Lounges currently available.
• Global Entry or TSA PreCheck® credit. Receive a credit of up to $120 for Global Entry or TSA PreCheck® application fees charged to the card.

In addition to these benefits, the Venture X also grants complimentary Hertz President’s Circle® status^, which offers benefits like guaranteed upgrades and the widest selection of rental cars upon enrollment. Cardholders also get access to Capital One’s Premier and Lifestyle Collections, which are curated groups of luxury hotels that come with perks like an experience credit, room upgrades (when available), early check-in and late checkout (when available).

Range of Redemption Options, From Beginner to Advanced

Regardless of your experience with credit card rewards, the Capital One Venture X has a redemption method that could fit your needs—from covering travel purchases to booking reservations through Capital One Travel to transferring miles to travel loyalty partners. We’ll cover each of these redemption options in detail.

• No foreign transaction fees. The Capital One Venture X doesn’t charge foreign purchase fees, making it an excellent card for international trips and purchases.
• Cellphone protection.⁺ This is one of my favorite ancillary benefits of the Venture X, as it’s helped me replace a broken cellphone more than once. When you pay your monthly wireless bill with your covered Capital One card, your cellphone is protected for the next calendar month. So, you can get reimbursed if your cellphone is stolen or damaged ($50 deductible).
• Auto rental collision damage waiver.⁺ Count on built-in auto rental coverage. Save money by saying no at the counter—rent with your Venture X card and get built-in auto rental coverage.
• Lost luggage 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.
• Extended warranty protection.⁺ Extend qualifying product warranties automatically when you make a purchase using your Venture X card.
• Return protection.⁺ Keep your options open with 90 days of return protection when you make a qualifying purchase with your card.
• Visa Infinite Concierge.⁺ As a Visa Infinite card, the Venture X provides access to the Visa Infinite Concierge to help with requests like restaurant reservations, event tickets and more.

No Bonus Miles for Travel Purchased Outside of Capital One Travel

The Venture X card earns 5X to 10X for eligible Capital One Travel bookings, but you won’t earn extra miles for other travel purchases, such as those made directly with an airline or hotel. This could be particularly disappointing for those with elite status with one or more hotel brands, as hotels don’t typically provide status benefits to members who book through third-party portals like Capital One Travel.

Poor Cash Redemption Rates

While the Venture X has some excellent redemption options, cash back isn’t one of them. If redeeming your rewards for cash is important to you, consider a different travel card.

Ideal For:

• Frequent travelers who will use the card’s lounge access and other travel perks
• Those who are looking for a card that offers an elevated flat rate on all purchases
• Points and miles enthusiasts who are willing to learn strategies to maximize Capital One’s international airline partners

Not Ideal For:

• Travelers who want to earn bonus points on bookings made directly with travel companies
• Those who like to periodically redeem their rewards for cash back

Interest Rates

• Regular APR: 19.99% - 28.99% (Variable)
• Purchase intro APR: N/A
• Balance transfer intro APR: N/A

Capital One Venture X Fees

• Annual fee: $395
• Balance transfer fee: Balance Transfer Fee applies to balances transferred at a promotional rate
• Foreign purchase transaction fee: None

Capital One Venture X Credit Requirements

Prospective cardholders must meet the following requirements:

• Excellent credit (generally required for top rewards cards)
• Keep in mind that credit scores are only guidelines and do not guarantee approval. Other factors are also considered.

Earning Rewards

The Venture X card’s earnings structure makes it easy to build up rewards quickly. You’ll earn:

• 2 miles per dollar on all eligible purchases
• 5 miles per dollar on flights and vacation rentals booked through Capital One Travel
• 5 miles per dollar on Capital One Entertainment purchases through 12/31/25
• 10 miles per dollar on hotels and rental cars when booking via Capital One Travel

You can earn a hefty welcome bonus of 75,000 bonus miles after spending $4,000 on purchases within the first three months of account opening.

Remember, you’ll also get 10,000 bonus miles each year, starting with your first card member anniversary.

Redeeming Rewards

After accumulating Capital One miles, you can redeem them in several ways. Here’s a breakdown of the various redemption options for your Venture X rewards.

Cover Travel Purchases

10,000 miles = $100

One of the easiest ways to use points at a respectable value is to cover travel purchases. Simply make eligible purchases on the card and then log in to your account to reimburse yourself after the transaction posts.

This redemption method is highly flexible. A surprisingly wide variety of purchases qualify as “travel” with Capital One. Airlines, hotels, rail lines, car rental agencies, limousine services, bus lines, cruise lines, taxi cabs, travel agents and time shares are generally considered travel purchases.

Book Travel Through Capital One Travel

10,000 miles = $100

You can book hotels, airfare, rental cars and more through Capital One Travel and use your miles to cover a portion or all of the cost. If you don’t have enough rewards to cover the entire booking, you can charge the remainder to your Venture X card and earn miles as usual for the paid portion of the reservation.

Transfer Miles to a Capital One Travel Partner

10,000 miles = Up to 10,000 partner miles or points (variable redemption value)

One of the best ways to maximize your Venture X rewards is to transfer them to over 15 travel loyalty programs. Those transfer partners include:

Airline Partners

• Aeromexico Rewards (1:1)
• Air Canada Aeroplan (1:1)
• Air France-KLM Flying Blue (1:1)
• Avianca Lifemiles (1:1)
• The British Airways Club (1:1)
• Cathay Pacific Asia Miles (1:1)
• Emirates Skywards (1:1)
• Etihad Airways Guest Rewards (1:1)
• EVA Infinity MileageLands (2:1.5)
• Finnair Plus (1:1)
• Japan Airlines JAL Mileage Bank (2:1.5)
• JetBlue (5:3)
• Qantas Frequent Flyer (1:1)
• Qatar Privilege Club (1:1)
• Singapore Airlines KrisFlyer (1:1)
• TAP Air Portugal Miles & Go (1:1)
• Turkish Airlines Miles & Smiles (1:1)
• Virgin Atlantic Flying Club (1:1)

Hotel Partners

• Accor Live Limitless (2:1)
• Choice Privileges (U.S. accounts only) (1:1)
• I Prefer Hotel Rewards (1:2)
• Wyndham Rewards (1:1)

While Capital One doesn’t have many domestic airline partners, you can book domestic flights with many of its international airline partners that are part of airline alliances or have forged separate airline partnerships.

For example, you could transfer Capital One miles to British Airways to book a flight on Oneworld alliance partner American Airlines. I used this strategy to fly my family of four to Honolulu for a spring break vacation. Learning to optimize redemptions for each of Capital One’s travel partners can help you gain the most value from your miles.

Transferring miles can feel daunting, but you might find inspiration from a few of the redemption sweet spots outlined specifically using Capital One transfer partners.

Other Redemptions

10,000 miles = Varies by redemption method

Capital One Rewards are designed to be redeemed for travel, but other redemption options include cash back, gift cards and more. We recommend avoiding these nontravel redemptions, as they typically offer lower redemption rates and their redemption values can change at any time.

Rewards Potential

Forbes Advisor uses data from various government agencies to determine baseline income and spending averages across various categories, which we use to compile the rewards potential for various credit cards. The 70th percentile of wage-earning households brings in $127,200 annually and has $40,398 in annual card spending. Here’s an example of the number of rewards a Venture X cardholder can expect to earn in a year:

Category	Earning Rate	Estimated Annual Spend	Estimated Annual Earnings
Hotels Booked Through Capital One Travel	10X	$5,926	59,260
Flights Booked Through Capital One Travel	5X	$1,610	8,050
Capital One Entertainment Purchases (Through 12/31/25)	5X	$886	4,430
All Other Purchases	2X	$31,976	63,952
			Total: 135,692 Capital One Rewards

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The table above represents the ongoing rewards earned on the Capital One Venture X based on our spending assumptions, but it could be worth even more in your first card member year if you’re able to earn its welcome bonus of 75,000 bonus miles after spending $4,000 on purchases within the first three months of account opening. It also doesn’t include the 10,000 anniversary miles cardholders receive every year after the first anniversary.

Account Features	Capital One Venture X Rewards Credit Card	American Express Platinum Card®	Chase Sapphire Reserve®	Capital One Venture Rewards Credit Card
Annual Fee	$395	$895 (Terms apply, see rates & fees)	$795	$95 (rates & fees)
Welcome Bonus	75,000 bonus miles after spending $4,000 on purchases within the first three months of account opening	a personalized offer as high as 175,000 Membership Rewards® Points after spending $8,000 on eligible purchases on the card in the first 6 months of card membership (approval required, welcome offers vary and you may not be eligible for an offer)	125,000 bonus points after spending $6,000 on purchases in the first 3 months from account opening	75,000 miles after spending $4,000 on purchases within three months from account opening
Standout Rewards	10X on hotels booked through Capital One Travel; 5X on flights booked through Capital One Travel; 5X on Capital One Entertainment purchases (through 12/31/25)	5X on flights booked directly with airlines or through Amex Travel (up to $500,000 in purchases per calendar year); 5X on prepaid hotels booked through Amex Travel	8X on Chase Travel bookings; 4X on direct flight and hotel bookings; 3X on dining	5X on hotels, vacation rentals and rental cars booked through Capital One Travel; 5X on Capital One Entertainment purchases (through 12/31/25)
Lounge Access	1,300-plus lounges including Priority Pass™, plus Capital One Lounge locations with enrollment	1,550-plus lounges from the Global Lounge Collection, including Centurion Lounges, Escape Lounges, Plaza Premium lounges, Delta Sky Clubs when flying Delta and eligible Lufthansa Lounges when flying Lufthansa (Terms apply)	1,300-plus lounges from the Priority Pass network, including every Sapphire Lounge by the Club location and select Air Canada Maple Leaf Lounges and Cafes when traveling on a Star Alliance carrier, one to two complimentary guests included in most lounges	N/A
Transfer Partners	15-plus	15-plus	12-plus	15-plus
Global Entry or TSA PreCheck® Credit	Yes	Yes	Yes (also NEXUS)	Yes
Annual Credits	$300 travel credit and 10,000 anniversary bonus miles worth $100 toward travel	Over $3,500 in potential value through several credits	Around $2,000 in potential value through several credits	N/A

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Capital One Venture X Rewards Credit Card vs. American Express Platinum Card®

The American Express Platinum Card® (Terms apply, see rates & fees) costs more than twice as much as the Venture X, but its extra perks offer astounding annual value through various benefits that can make it worth the upcharge for the right person. It opens the doors to more lounges than any other card on the market, and Amex has one of the largest lists of airline and hotel transfer partners.

For a deeper comparison of these cards, see our complete guide to the Capital One Venture X vs. American Express Platinum.

Capital One Venture X Rewards Credit Card vs. Chase Sapphire Reserve®

The Chase Sapphire Reserve® also has an enormous annual fee that’s nearly double what the Venture X’s charges. In exchange, the Sapphire Reserve offers an extensive list of credits and perks, including a more user-friendly $300 travel credit that can be used for virtually any travel purchase. It provides access to both Priority Pass lounges and the Chase Sapphire by The Club network of lounges.

The cards come with similar travel benefits and each offer hefty earning bonuses for booking travel through their respective issuer portals. The Sapphire Reserve also earns 4X for travel purchases made directly with airlines or hotels, but just 1X for other travel purchases, making the Venture X’s 2X base rate more rewarding for those travel expenses.

Read our complete comparison of the Capital One Venture X vs. Chase Sapphire Reserve.

Capital One Venture X Rewards Credit Card vs. Capital One Venture Rewards Credit Card

If you like the rewards structure of the Venture X but don’t need all the extra perks, consider the Capital One Venture Rewards Credit Card, which has a much lower annual fee (rates & fees). While it earns slightly less on Capital One Travel bookings, it earns the same 2X miles on every other purchase.

You won’t get lounge access, but you can get an up to $120 in credit for Global Entry or TSA PreCheck® application fees. Plus, you’ll have all the same mile redemption options available to Venture X cardholders—including transfers to travel partners—at a fraction of the yearly cost.

For a head-to-head look at each card’s pros and cons, read our full analysis of the Capital One Venture X vs. Capital One Venture.

Forbes Advisor considers a variety of criteria when assigning credit cards a rating. Cards are graded based on numerous factors, including:

• Annual fees
• Welcome bonus offers
• Ongoing earning rates
• Value of individual rewards
• Included travel or merchant credits
• Additional cardholder benefits

We give greater weight to the card features we believe cardholders will use most frequently. These factors combine to generate a star rating for each card.

To learn more about our rating and review methodology and editorial process, check out our guide on how Forbes Advisor rates credit cards.

Forbes Advisor Lead Editor Toni Perkins-Southam contributed to this article.

⁺For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
^Upon enrollment, accessible through the Capital One website or mobile app, eligible cardholders will remain at that status level through the duration of the offer. Please note, enrolling through the normal Hertz Gold Plus Rewards enrollment process (e.g. at Hertz.com) will not automatically detect a cardholder as being eligible for the program and cardholders will not be automatically upgraded to the applicable status tier. Additional terms apply.
To view rates and fees for American Express Platinum Card® please visit this page.
To view rates and fees for American Express® Gold Card please visit this page.