Capital One Venture X Rewards Credit Card
Earn 10X on hotels and rental cars with a $95 effective annual fee
Earn 75,000 bonus miles after $4,000 spend in 3 months, plus 10X miles on hotels and rental cars through Capital One Travel. The $395 annual fee drops to an effective $95 after the $300 annual travel credit and 10,000 anniversary miles. Redeem miles at 1 cent each toward travel purchases, or transfer them to 15+ travel partners.
- Annual Fee
- $395
- Capital One Miles · Welcome Bonus
- 75,000
- Highest rate (conditional)
- Up to 10X (Travel portal)
Terms checked against the issuer on October 10, 2026
At a Glance
- Annual Fee
- $395
- Authorized User Fee
- $0
- Foreign Transaction Fee
- $0
- Network
- Visa Infinite
- Rewards Currency
- Capital One Miles
- Point Value (Transfer Estimate)
- 1–1.85 cpp (mid: 1.3)
- Credit Required
- Excellent
Welcome Offer
75,000
Capital One Miles
Spend $4,000 in the first 3 months
New cardmembers earn 75,000 bonus miles after $4,000 in purchases within the first 3 months. Redeemed toward travel at 1 cent per mile, that's $750. Transferred to airline or hotel partners, estimates put the same bonus at roughly $975-$1,388, which varies by redemption.
Earning Rates
- 10X
Hotels
Hotels booked via Capital One Travel — No annual cap
- 10X
Car Rentals
Rental cars booked via Capital One Travel — No annual cap
- 5X
Flights
Flights booked via Capital One Travel — No annual cap
- 5X
Vacation Rentals
Vacation rentals booked via Capital One Travel — No annual cap
- 5X
Capital One Entertainment
5X miles on tickets bought on the Capital One Entertainment ticketing platform with this card; excludes cardholder-exclusive pre-sales and Capital One Hall/Arena direct ticketing
- 2X
Hotels
Hotels booked directly (not through portal) No annual cap
- 2X
Flights
Flights booked directly (not through portal) No annual cap
- 2X
All Other
Unlimited 2X miles on all other purchases — No annual cap
Earning Scenarios
10X Miles on Hotels
Earn 10 miles per dollar on hotels booked through Capital One Travel. Redeemed toward travel at 1 cent per mile, that's 10% back. Transfer partners may be worth more (estimates run about 1.3-1.85 cents per mile and vary by redemption).
A $2,000 hotel stay earns 20,000 miles, worth $200 toward travel at 1 cent per mile.
10X Miles on Rental Cars
Earn 10 miles per dollar on rental cars booked through Capital One Travel. Stack with Hertz President's Circle status for upgrades and bonus points.
$500 in rental cars earns 5,000 miles, worth $50 toward travel at 1 cent per mile.
5X Miles on Flights and Vacation Rentals
Earn 5 miles per dollar on flights and vacation rentals booked through Capital One Travel. Redeemed toward travel at 1 cent per mile, that's 5% back.
$1,000 in flights earns 5,000 miles, worth $50 toward travel at 1 cent per mile.
2X Miles on Everything Else
Earn 2 miles per dollar on all other purchases with no category limits. Redeemed toward travel at 1 cent per mile, that's 2% back per dollar spent.
$2,000 monthly spend earns 48,000 miles/year, worth $480 toward travel at 1 cent per mile.
Benefits & Perks
Travel Benefits
8 perksGeneral Travel
Concierge
Hotels & Lodging
Hotel Program
Annual Credits & Statement Credits
2 creditsUp to
$307.50
in recurring credits (annual)
$300 travel credit
Get $300 back each year on flights, hotels, and car rentals booked via Capital One Travel.
$300
Annual
$120 Global Entry/TSA PreCheck
Get up to $120 back on the Global Entry or TSA PreCheck application fee, once per account every 4 years.
$120
Every 4 years
Lounge Access
Access 1,300+ airport lounges worldwide
Free Capital One Lounge access at 6 major airports
Complimentary access for the cardholder. Guests are $45 each ($25 ages 17 and under), or 2 guests free once you spend $75K in a calendar year.
Free Priority Pass Select with Over 1,300 Lounge Locations
Access over 1,300 airport lounges globally with complimentary Priority Pass Select membership for you and authorized users worldwide
Elite Status & Memberships
Fast track to top-tier perks
Discounted membership to The Cultivist
Unlock the world of art. Get access to over 80 of the world’s best museums with 50% off the Enthusiast membership to The Cultivist for up to 2 years.
Complimentary Hertz President's Circle top-tier status
Skip the counter, get free car upgrades, and earn 25% bonus points with Hertz elite status.
Miles Redemption
Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—plus transfer miles to your choice of 15+
Insurance & Protections
11 protectionsTravel Accident Insurance Coverage Up to $1,000,000 Per Trip
$1,000,000
Receive up to $1,000,000 coverage for accidental loss of life, limb, sight, speech or hearing during transit on common carrier
Primary Auto Rental Collision Damage Waiver Up to $75,000
$75,000
Get primary coverage up to $75,000 for collision damage, theft and loss of use charges on rental vehicles worldwide
Lost Luggage Reimbursement Up to $3,000/Passenger Cover
$3,000
Receive up to $3,000 per passenger for lost luggage covering the difference between airline payment and your claim value
$2,000 trip cancellation and interruption insurance
$2,000
Up to $2,000 per person for non-refundable travel expenses if trip is canceled or cut short
$800 cell phone protection when paying wireless bill
$800
secondary
Up to $800 per claim for cell phone damage or theft when paying wireless bill with card. $1,600 annual max
View conditions
Deductible: 50
Show all 11 protectionsShow fewer protections
Trip Delay Insurance Coverage Up to $500 Per Passenger
$500
Receive up to $500 per passenger for meals, lodging and essentials when your trip is delayed more than 6 hours
Extended Warranty Protection up to $10,000 per claim
$10,000
secondary
Extends warranties of 3 years or less by 1 year. Up to $10,000 per claim and $50,000 annually
Up to $300 return protection
Get reimbursed up to $300 per item (up to $1,000/year) when a merchant refuses to accept a return.
Flexible Flight Cancellation Protection Up To 3 Hours Before
Cancel flights booked through Capital One Travel up to 3 hours before departure and receive most of your booking cost refunded
Up to $10K purchase protection
secondary
Coverage up to $10,000 per claim for items stolen or damaged within 90 days of purchase.
Travel Price Match and Cover for Capital One Travel Bookings
Get price match guarantee and automatic price drop protection on flights and hotels booked through Capital One Travel portal
Program & Transfers
Capital One Miles
Capital One Miles rewards earned with this card can transfer to 22 loyalty partners.
Capital One Miles represent the most straightforward approach to transferable points. Unlike Chase or Amex, every Capital One mile is worth exactly 1 cent when redeemed through the travel portal or purchase eraser, providing a guaranteed floor value that removes redemption anxiety. The program offers 18 airline and 4 hotel transfer partners with a simple 24-hour transfer window. While the partner roster is smaller than competitors, it covers all three major alliances and includes strong options like Turkish Airlines and Avianca LifeMiles for premium cabin awards. Capital One's philosophy emphasizes accessibility: no annual fee required for transfers (even Quicksilver can transfer), no minimum transfer amounts, and no blackout dates on travel portal bookings. This makes it ideal for travelers who want reliable value without mastering complex award charts.
Program Ratings
Transfer Partners (22)
Transfer your Capital One Miles to 22 leading loyalty programs for maximum value.
Airlines
(18)Most partners accept Capital One Miles at a 1:1 ratio with instant or near-instant transfers.
View detailed transfer ratios
Airlines
| Partner | Ratio | Transfer Time | Value Retained | Point Value |
|---|---|---|---|---|
| 1:1 | instant | — | 1.3 cpp | |
| 4:3 | instant | — | 1 cpp | |
| 4:3 | instant | — | — | |
| 1:1 | instant | — | 1.3 cpp | |
| 4:3 | instant | — | 1.3 cpp | |
| 1:1 | instant | — | — | |
| 1:1 | instant | — | 1.1 cpp | |
| 1:1 | instant | — | — | |
| 1:1 | instant | 108% | 1.3 cpp | |
| 1:1 | instant | 100% | 1.3 cpp | |
| 1:1 | instant | 100% | 1 cpp | |
| 1:1 | instant | 100% | 1.25 cpp | |
| 1:1 | instant | 92% | — | |
| 1:1 | instant | 92% | 1.25 cpp | |
| 1:1 | instant | 85% | 1.35 cpp | |
| 1:1 | instant | 85% | 1.1 cpp | |
| 1:1 | instant | 62% | 0.8 cpp | |
| 5:3 | instant | 60% | 1.35 cpp |
Hotels
| Partner | Ratio | Transfer Time | Value Retained | Point Value |
|---|---|---|---|---|
| 1:2 | instant | — | 0.5 cpp | |
| 2:1 | instant | 85% | 2.25 cpp | |
| 1:1 | instant | 77% | 0.7 cpp | |
| 1:1 | instant | 54% | 0.8 cpp |
Sweet Spots — Best Redemptions
| Route / Property | Points | Book With | Cabin/Type | Value / Region |
|---|---|---|---|---|
| Short-haul intra-Europe flights | 4,000 | British Airways Avios | economy | Europe |
| Domestic US in Business on a Partner | 6,000 | Etihad Guest | economy | United States |
| US to South America in Economy | 7,100 | Avianca Lifemiles | economy | South America |
| Intra-Europe in Economy | 7,500 | Flying Blue | economy | Europe |
| Domestic US in Economy on a Partner | 10,000 | Avianca Lifemiles | economy | United States |
| US to Mexico in Economy on a Partner | 11,500 | Flying Blue | economy | Central America |
| US to South America in Business | 22,500 | Avianca Lifemiles | business | South America |
| Domestic US and Canada in Business | 22,500 | Turkish Miles Smiles | business | United States |
| US to Europe in Economy | 25,000 | Flying Blue | economy | Europe |
| US to Northern Africa in Economy | 25,000 | Flying Blue | economy | Africa |
| US to Hong Kong in Economy | 27,000 | Cathay Asia Miles | economy | Asia |
| US to Japan in Economy | 27,000 | Japan Airlines Mileage Bank | economy | Asia |
| US to Mexico in Business on a Partner | 30,000 | Flying Blue | business | Central America |
| Domestic US and Canada in First Class | 30,000 | Turkish Miles Smiles | first | United States |
| US to Southeast Asia in Economy | 38,000 | Cathay Asia Miles | economy | Asia |
| US to Japan in Economy on a Partner | 43,500 | Qantas Frequent Flyer | economy | Asia |
| US to Southeast Asia in Economy on Singapore Air | 44,000 | Singapore Krisflyer | economy | Asia |
| US to Hong Kong in Economy on a Partner | 47,000 | Cathay Asia Miles | economy | Asia |
| Domestic US in First Class on a Partner | 50,000 | Etihad Guest | first | United States |
| Within Asia in Business | 50,000 | Tap Miles Go | business | Asia |
Showing top 20 of 30 sweet spots
Reviews & Analysis
Third-Party Rankings & Ratings
5 sourcesCategory Rankings (8 categories)
How It Compares
The Venture X pairs a $395 annual fee with $400 in easy-to-use annual value ($300 travel credit + 10,000 miles). It earns 10X on portal hotels and rental cars, 5X on portal flights and vacation rentals, and includes Priority Pass and Capital One Lounge access.
Editorial Review
The Capital One Venture X fits travelers who want premium perks without a premium price. Its $395 annual fee is lower than the Chase Sapphire Reserve or Amex Platinum, and the $300 annual travel credit plus 10,000 anniversary miles drop the effective cost to about $95 per year.
Key Takeaways
The Venture X is a strong keeper card if you travel at least once or twice per year. The math is straightforward: $395 annual fee minus a $300 Capital One Travel credit and 10,000 anniversary miles (worth $100-$185) leaves an effective fee of roughly $95.
Key numbers: 10X miles on hotels and rental cars through Capital One Travel, 5X on flights and vacation rentals through the portal, 2X on everything else, and a 75,000-mile welcome bonus after $4,000 spend in 3 months. Lounge access includes Capital One Lounges and 1,300+ Priority Pass locations, though Priority Pass guests cost $35 per visit.
Why This Card Could Be Right For You
Consider the Venture X if you:
- Book hotels or rental cars through travel portals and can use the $300 annual credit
- Want Priority Pass and Capital One Lounge access at a lower net annual cost than competing premium cards
- Prefer simple, flexible miles that erase travel purchases at 1 cent each or transfer to 15+ partners
- Rent cars often and can use complimentary Hertz President's Circle status
- Travel with family or friends who can pay their own lounge guest fees
The 75,000-mile welcome bonus is worth $750 toward travel through Capital One Travel, or an estimated $975-$1,388 when transferred to partners at 1.3-1.85 cents per mile (estimates vary by redemption).
Read full review (4 more sections)
When The Usual Advice Doesn't Apply
Skip the Venture X if you refuse to book through Capital One Travel, because the $300 credit only works there. It is also a poor fit if you earn hotel elite status by booking direct, if you rarely fly, or if you cannot comfortably spend $4,000 in 3 months to earn the welcome bonus.
What to Know About Capital One Miles
Capital One Miles work best as a flexible backup currency. Transfer partners include Air Canada Aeroplan, Avianca LifeMiles, British Airways Avios, Singapore KrisFlyer, and Turkish Miles&Smiles, among 15+ options.
- Redeem miles at 1 cent each to erase any travel purchase, including Airbnb, boutique hotels, and car rentals.
- Transfer to partners for an estimated 1.3-1.85 cents per mile in value, with Aeroplan and LifeMiles often at the higher end.
- The program lacks domestic transfer partners like Southwest and Hyatt, so it complements rather than replaces Chase Ultimate Rewards.
- Use the Purchase Eraser for simple redemptions when award availability is tight.
How The Capital One Venture X Fits In The Capital One Miles Ecosystem
Venture X is the top-tier personal card in the Venture family. It earns the highest multipliers and includes the best benefits.
- $395 annual fee vs. $95 for the Venture Rewards card and $0 for the VentureOne
- 10X on portal hotels and rental cars vs. 5X on both the Venture Rewards card and the VentureOne
- Lounge access, the $300 travel credit, and Hertz President's Circle status are only available on Venture X
- Pair with the no-annual-fee Savor card for 3X on dining, entertainment, streaming, and groceries to complement the 2X base rate
Capital One's terms bar the Venture X bonus if you have received a Venture X bonus in the past 48 months, and the Venture and VentureOne terms also look back 48 months across the Venture cards. Check each card's terms before you apply.
My Experience, No Filter
The Venture X makes sense if you treat the $300 credit as money you would spend anyway on flights, hotels, or rental cars through Capital One Travel. The 10,000 anniversary miles are automatic, and the lounge network keeps growing.
The catch is the portal requirement. If you prefer booking directly with hotels to earn elite status, the $300 credit is harder to use. For our household, the card pays for itself through the credits alone, and the lounge access is a bonus on top. Just remember that guest access is no longer free, so budget $35 per guest per visit at Priority Pass lounges ($45 at Capital One Lounges unless you spend $75,000 a year).
Pros and Cons
Pros
- +Effective $95 annual fee after $300 travel credit and 10,000 anniversary miles (~$100 value)
- +10X miles on hotels and rental cars booked through Capital One Travel
- +Complimentary access to Capital One Lounges and Landings for the primary cardholder
- +Priority Pass Select membership with 1,300+ lounges worldwide
- +Additional cardholders can be added; lounge access for each costs $125 per year
- +Hertz President's Circle status with guaranteed car class upgrades
- +Premier Collection hotels include $100 experience credit and room upgrades
Cons
- -$395 annual fee requires maximizing credits to get value
- -10X earning rate requires booking through Capital One Travel portal
- -Lounge guests cost extra ($35 per visit at Priority Pass lounges, $45 at Capital One Lounges unless you spend $75,000 per calendar year)
- -No airline transfer bonuses unlike some competitors
- -Travel credits only work for Capital One Travel bookings
Who It's Best For
Best For
- Frequent travelers who book hotels and rental cars through travel portals
- Anyone wanting premium lounge access at a lower effective annual cost
- Travelers who value flexible transfer partners (15+ airlines)
- Those who want automatic top-tier Hertz President's Circle status
- Cardholders who can maximize the $300 annual travel credit
Not Ideal For
- Light travelers who won't use lounge access or travel credits
- Those who prefer booking directly with hotels for elite status earning
- Travelers who want first-year annual fee waiver
- Anyone who can't meet the $4,000 spend requirement in 3 months
The Math: Is $395 Worth It?
First-year value includes $975.00 welcome bonus
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$184.50
Annual Fee
-$395
Net Annual Value
-$210.50
Details & Terms
Application Rules
| Rule | Details |
|---|---|
| Venture X bonus once per 48 months | Capital One: existing or previous cardmembers are not eligible for this product if they have received a new cardmember bonus for this product in the past 48 months. |
| Cap One 1/6 | You won’t be approved for a second Capital One card if you’ve opened one in the past six months |
Payment Terms
| Purchase APR | 19.74%–28.74% (Variable) |
| Cash Advance APR | 28.74% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 (first 4 free) |
Card Family
Venture family
| Card | Tier | Annual Fee | Note |
|---|---|---|---|
| Capital One Venture One | entry | $0 | |
| Capital One Venture | mid | $95 |
Product changes available between family members without a new credit inquiry.
FAQs
How much is 150,000 Capital One Miles worth?
Capital One miles are valued at about 1.3 cents per point, making 150,000 miles worth roughly $2,250. The exact value depends on how you redeem them. Transfers to travel partners can make miles worth 2-3 cents or higher, while cash back redemptions reduce their value to 0.5 cents per point.
Are miles or cash back better?
Miles are far more valuable than cash back for travel redemptions. Using transfer partners and sweet spot redemptions can raise each mile's value to 2-3 cents or higher, while cash back is fixed at about 1 cent per point with no opportunity for outsized redemptions.
Which Capital One credit card is best for miles?
The Venture X ($395/year) and Venture Rewards ($95/year) are best for earning transferable miles. The Venture X offers the most perks including Priority Pass, 10x on Capital One Travel hotels, and a $300 annual travel credit. The Venture Rewards has a lower fee but the same 2x earning rate and signup bonus. Both allow partner transfers.
How many credit cards are too many?
Each bank has its own rules on card limits and bonus eligibility. Capital One's 1/6 rule states you cannot get two Capital One cards within six months. Other limits may apply, but many are unwritten and inconsistently enforced.
Is Chase Travel or Capital One Travel better?
Both travel portals are similar, but card benefits set them apart. The Venture X includes a $300 annual portal credit, while the Chase Sapphire Reserve offers Points Boost on select bookings, making points worth up to 1.5-2x more. Capital One offers simpler, consistent 1 cent per mile portal value across all cards.
Can I transfer Capital One miles between accounts?
Capital One has one of the most generous sharing programs, allowing rewards to be shared between any Capital One miles-earning accounts with no fees or limits. You can also combine miles from cash back cards into miles-earning cards you own.
How long does it take to transfer Capital One miles to partners?
Capital One mile transfers to airline and hotel partners are instant in most cases, typically completing within minutes. The stated transfer time is up to 24 hours, but most transfers process much faster.
Media & Resources
Video Reviews
8 videos6 Reasons Why The Venture X Card Is Still The Most Powerful Card In 2025
Capital One Duo Setup: Best Two-Card Combo in 2025
Capital One Venture X Review: Still Worth It In 2025?
HUGE Change to Capital One Venture X: End of an Era?!
Venture X Beats Chase Sapphire Reserve & Amex Platinum (2025)
NEW Capital One Lounge Access Rules 2026: Worth It?!
Capital One Venture X vs Chase Sapphire Reserve: Best Premium Card 2025
Third-Party Articles & Reviews
Capital One Venture X review: Premium perks made affordable
Chase Sapphire Reserve vs. Capital One Venture X Rewards Credit Card: Which is the better premium travel credit card?
Side-by-side comparison of benefits, earn rates, and overall value between these two premium travel cards.
Capital One Venture X vs. Chase Sapphire Reserve: Venture X Delivers, for Less
Detailed comparison highlighting the Venture X's lower effective annual fee and competitive benefits against the Sapphire Reserve.
Capital One Venture X Review
Comprehensive review highlighting the card's straightforward value proposition, annual travel credit, anniversary bonus, and lounge access benefits.
Capital One Venture X review: A premium travel credit card for everyone
CNBC Select's comprehensive review positioning the Venture X as an accessible premium travel card with strong value proposition.
Capital One Venture X vs. Chase Sapphire Reserve showdown
Head-to-head comparison between the two flagship premium travel cards, analyzing earn rates, benefits, and total value proposition.
Capital One Venture X Credit Card Review (2026.2 Update: 75k Offer; Lounge Benefit Weakened)
Detailed review with February 2026 updates on welcome offer increase and lounge access policy changes.
Capital One Venture X Rewards Credit Card review: A happy medium for luxury travel?
Analysis of the Venture X as a mid-tier premium travel card offering valuable benefits at a lower price point than top-tier competitors.
Capital One Venture Rewards vs. Venture X: Which is best?
Comparison between Capital One's two flagship Venture cards, helping readers choose between the $95 and $395 options.
Capital One Venture X Rewards Credit Card Review 2025
Travel-focused review from Daily Drop analyzing the card's value for frequent travelers.
Is the Capital One Venture X worth the $395 annual fee?
Break-even analysis examining whether the annual fee is justified by the card's credits, bonuses, and benefits.
Is the Capital One Venture X Card Worth It in 2026?
2026 update examining the card's value after recent changes to authorized user and guest lounge access policies.
Card Design
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| Capital One | Capital One: Earn rates | |
| Capital One | — | Capital One |
| NerdWallet | — | NerdWallet |
| Capital One | Capital One: Multiple card facts | |
| RewardsCC API | — | RewardsCC API |
| Issuer Page | Issuer Page: Multiple card facts | |
| Capital One | Capital One |
Top brands for this card
Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.
Partner credits at
Merchants this card gives you a statement credit or membership at. Unlike the brands above, this isn't about earn rate — it's money the card hands back when you spend there.