Capital One Venture X is a premium travel card with perks to justify its annual fee
CNN Underscored reviews financial products based on their overall value. We may receive a commission through our affiliate partners if you apply and are approved for a product, but our reporting is always independent and objective. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. The Capital One Venture X Rewards Credit Card is one of our favorite credit cards at CNN Underscored, and it comes with tons of valuable perks that help justify its $395 annual fee.
New card holders can earn a sign-up bonus of 75,000 Capital One miles after spending $4,000 on purchases within the first three months. With the card's baseline earning rate of 2 miles per dollar spent, this equates to at least 83,000 miles, which you can redeem for at least $830 in travel — or potentially more when you transfer them to travel partners.
Some of our favorite perks from the card include the following.
$300 in annual travel credits for bookings made through Capital One Travel
10,000 bonus miles annually, starting with your first account anniversary (worth at least $100 in travel)
Priority Pass Select membership with access to 1,300+ airport lounges
Complimentary access to Capital One Lounges for you and two guests
$120 credit for Global Entry or TSA PreCheck
Cell phone insurance, primary rental car insurance, trip delay and interruption coverage, and no foreign transaction fees
These advantages combine to make the Venture X an excellent pick if you're looking for premium benefits at a relatively affordable price point.
The Venture X keeps things simple while still offering impressive reward potential. Here's what you earn.
2 miles per dollar on every purchase
5 miles per dollar on flights booked through Capital One Travel
10 miles per dollar on hotels and rental cars booked through Capital One Travel
When you redeem miles, you have two primary options.
Fixed-value redemptions let you erase travel purchases at 1 cent per mile (e.g., 10,000 miles = $100), which is valid for most travel expenses and must be redeemed within 90 days.
Transfer miles to travel partners for potentially greater value.
For savvy travelers, transferring Capital One miles to travel partners can unlock significantly more value. Capital One currently partners with 19 travel loyalty programs.
Capital One airline transfer partners
Aeromexico Club Premier
Air Canada Aeroplan
Air France-KLM Flying Blue
Avianca LifeMiles
British Airways Avios
Cathay Pacific Asia Miles
Emirates Skywards
Etihad Guest
EVA Air Infinity MileageLands
Finnair Plus
JetBlue TrueBlue
Qantas Frequent Flyer
Singapore Airlines KrisFlyer
TAP Air Portugal Miles&Go
Turkish Airlines Miles&Smiles
Virgin Red
Capital One hotel transfer partners
Accor Live Limitless
Choice Privileges
Wyndham Rewards
Most partners offer 1:1 transfer ratios, with a few exceptions (e.g., EVA Air offers 2:1.5, Accor gives 2:1).
As such, transferring miles can yield great value. For example, this Air France flight from San Francisco International Airport (SFO) to Paris Charles de Gaulle Airport (CDG) costs $633 when you pay cash.
Meanwhile, you can transfer your Capital One miles to Air France-KLM Flying Blue and book the same economy-class seat for 18,750 miles plus $101. By using miles, you get get 2.8 cents per Capital One mile ($633 airfare minus $101 award taxes and fees, divided by 18,750 miles).
Capital One Venture X card holders enjoy perks typically reserved for ultra-premium cards. Some of those perks include the below.
Capital One Lounge access for you and up to two guests in airports such as Dallas Fort Worth International Airport (DFW), Denver International Airport (DEN) and Washington's Dulles International Airport (IAD), with more lounge additions planned
Priority Pass Select membership (includes more than 1,300 lounges worldwide)
$120 Global Entry or TSA PreCheck reimbursement every four years
Hertz President's Circle status
Cell phone protection (up to $800 per claim, $50 deductible)
Trip delay reimbursement, lost luggage coverage, travel accident insurance and primary car rental coverage
No foreign transaction fees
Plus, you can add up to four authorized users at no additional cost. These users receive many of the same perks, including lounge access.
Despite its strengths, the Venture X has a few drawbacks:
No bonus categories outside Capital One Travel bookings (flat 2 per dollar elsewhere)
No intro APR on purchases or balance transfers
$395 annual fee, though offset by credits and bonus miles
Limited US-based transfer partners, with a steep learning curve for using international partner programs
Hotel elite benefits are often not honored when bookings are made via Capital One Travel
If you're looking for a Capital One card with a lower annual fee, it might be worth considering the Capital One Venture Card, which has a $95 annual fee and the same transfer partners.
Capital One's premium travel card stands out for offering a strong mix of valuable benefits at a relatively modest price point. While the $395 annual fee might seem steep at first glance, it's notably lower than many other premium cards — and it's easy to recoup much of that cost through the $300 annual travel credit and 10,000 bonus miles awarded on each account anniversary.
With complimentary lounge access, straightforward rewards and practical perks that frequent travelers actually use, the card offers solid value. And as Capital One continues to expand its airport lounge footprint, the overall utility of the card is likely to increase.
If you're looking for a feature-rich premium card without a sky-high annual fee, the Venture X remains a compelling choice.
The following FAQs have been answered by credit card expert and CNN Underscored travel editor Kyle Olsen.
What's the credit limit of the Capital One Venture X?
What's the credit limit of the Capital One Venture X?
There's no fixed minimum or maximum credit limit for the Capital One Venture X, as credit lines are assigned based on individual creditworthiness, income and credit history. That said, many users report initial credit limits of $10,000 to $50,000, which aligns with the card's premium positioning.
Is it hard to get approved for Capital One Venture X?
Is it hard to get approved for Capital One Venture X?
The Capital One Venture X generally requires excellent credit (a credit score of 720 or higher). Applicants should also have a strong income and credit history. Preapproval tools on Capital One's website can help estimate your chances without impacting your credit score.
It's also important to note that Capital One uses the Equifax, Experian and TransUnion credit reporting agencies when performing hard credit checks, while most issuers only use one credit reporting agency.
What's the annual fee on the Capital One Venture X?
What's the annual fee on the Capital One Venture X?
The annual fee for the Capital One Venture X is $395, which is on the lower end for premium travel cards. With the $300 travel credit and 10,000 anniversary bonus miles (valued at $100), you can effectively offset the annual fee entirely if you use those benefits.
As a credit cards and travel rewards expert, Kyle Olsen covers travel gear, loyalty programs and premium travel credit cards. He's a Capital One Venture X cardholder himself and earns over 100,000 Capital One miles per year. He evaluates each credit card through hands-on experience and rigorous benefit analysis.
Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
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