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Premium travel rewards with an effective $95 annual fee
Earn unlimited 10X miles on hotels and rental cars through Capital One Travel, plus 5X on flights. Access exclusive Capital One Lounges and Priority Pass lounges worldwide. With a $300 annual travel credit and 10,000 anniversary bonus miles, the effective annual fee drops to just $95.
$395
Annual Fee
75,000
Capital One Miles · Welcome Bonus
10X
Top Rate
Annual Fee
$395
Authorized User Fee
$0
Foreign Transaction Fee
$0
Network
Visa Infinite
Rewards Currency
Capital One Miles
Point Valuation
1.5–2 cpp (mid: 1.85)
Credit Required
Excellent
Welcome Offer
75,000
Capital One Miles
Spend $4,000 in the first 3 months
New cardmembers can earn 75,000 bonus miles after spending $4,000 on purchases in the first 3 months from account opening. That's worth $750 toward travel when redeemed through Capital One Travel, or potentially more when transferred to airline partners.
Benefits & Perks
Program & Transfers
22 transfer partners across all 3 alliances at mostly 1:1 ratios
Capital One Venture Miles is a top-tier transferable points program with 22 airline and hotel partners, most at favorable 1:1 ratios. The program excels at premium cabin award flights through partners like Aeroplan, Flying Blue, British Airways, and Turkish Miles&Smiles, with TPG valuing miles at 1.85 cents each. The earning structure is straightforward: 2x miles per dollar on all purchases (Venture/Venture X), with elevated rates on Capital One Travel bookings. Miles never expire and automatically pool across all Capital One miles-earning cards, making it easy to build substantial balances. Capital One has expanded aggressively since 2023, adding partners like Qatar Airways, Finnair, Qantas, and Japan Airlines. With 22 partners — including representation across all three major airline alliances — the program now rivals Chase Ultimate Rewards and Amex Membership Rewards in flexibility.
Reviews & Analysis
Details & Terms
| Rule | Details |
|---|---|
| Cap One Venture Family | If you have received a signup bonus from a higher tiered card, you are ineligible to receive a bonus from a lower tiered card in that same card family. |
| No 5/24 | Card approval not subject to 5-personal-cards-in-24-months rule |
| 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 |
| Purchase APR | 19.49%–28.49% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 (first 4 free) |
Venture family
| Card | Tier | Annual Fee |
|---|
Premium travel rewards with an effective $95 annual fee
Earn unlimited 10X miles on hotels and rental cars through Capital One Travel, plus 5X on flights. Access exclusive Capital One Lounges and Priority Pass lounges worldwide. With a $300 annual travel credit and 10,000 anniversary bonus miles, the effective annual fee drops to just $95.
$395
Annual Fee
75,000
Capital One Miles · Welcome Bonus
10X
Top Rate
Annual Fee
$395
Authorized User Fee
$0
Foreign Transaction Fee
$0
Network
Visa Infinite
Rewards Currency
Capital One Miles
Point Valuation
1.5–2 cpp (mid: 1.85)
Credit Required
Excellent
Welcome Offer
75,000
Capital One Miles
Spend $4,000 in the first 3 months
New cardmembers can earn 75,000 bonus miles after spending $4,000 on purchases in the first 3 months from account opening. That's worth $750 toward travel when redeemed through Capital One Travel, or potentially more when transferred to airline partners.
Benefits & Perks
Program & Transfers
22 transfer partners across all 3 alliances at mostly 1:1 ratios
Capital One Venture Miles is a top-tier transferable points program with 22 airline and hotel partners, most at favorable 1:1 ratios. The program excels at premium cabin award flights through partners like Aeroplan, Flying Blue, British Airways, and Turkish Miles&Smiles, with TPG valuing miles at 1.85 cents each. The earning structure is straightforward: 2x miles per dollar on all purchases (Venture/Venture X), with elevated rates on Capital One Travel bookings. Miles never expire and automatically pool across all Capital One miles-earning cards, making it easy to build substantial balances. Capital One has expanded aggressively since 2023, adding partners like Qatar Airways, Finnair, Qantas, and Japan Airlines. With 22 partners — including representation across all three major airline alliances — the program now rivals Chase Ultimate Rewards and Amex Membership Rewards in flexibility.
Reviews & Analysis
Details & Terms
| Rule | Details |
|---|---|
| Cap One Venture Family | If you have received a signup bonus from a higher tiered card, you are ineligible to receive a bonus from a lower tiered card in that same card family. |
| No 5/24 | Card approval not subject to 5-personal-cards-in-24-months rule |
| 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 |
| Purchase APR | 19.49%–28.49% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 (first 4 free) |
Venture family
| Card | Tier | Annual Fee |
|---|
Premium travel rewards with an effective $95 annual fee
Earn unlimited 10X miles on hotels and rental cars through Capital One Travel, plus 5X on flights. Access exclusive Capital One Lounges and Priority Pass lounges worldwide. With a $300 annual travel credit and 10,000 anniversary bonus miles, the effective annual fee drops to just $95.
$395
Annual Fee
75,000
Capital One Miles · Welcome Bonus
10X
Top Rate
Annual Fee
$395
Authorized User Fee
$0
Foreign Transaction Fee
$0
Network
Visa Infinite
Rewards Currency
Capital One Miles
Point Valuation
1.5–2 cpp (mid: 1.85)
Credit Required
Excellent
Welcome Offer
75,000
Capital One Miles
Spend $4,000 in the first 3 months
New cardmembers can earn 75,000 bonus miles after spending $4,000 on purchases in the first 3 months from account opening. That's worth $750 toward travel when redeemed through Capital One Travel, or potentially more when transferred to airline partners.
Benefits & Perks
Program & Transfers
22 transfer partners across all 3 alliances at mostly 1:1 ratios
Capital One Venture Miles is a top-tier transferable points program with 22 airline and hotel partners, most at favorable 1:1 ratios. The program excels at premium cabin award flights through partners like Aeroplan, Flying Blue, British Airways, and Turkish Miles&Smiles, with TPG valuing miles at 1.85 cents each. The earning structure is straightforward: 2x miles per dollar on all purchases (Venture/Venture X), with elevated rates on Capital One Travel bookings. Miles never expire and automatically pool across all Capital One miles-earning cards, making it easy to build substantial balances. Capital One has expanded aggressively since 2023, adding partners like Qatar Airways, Finnair, Qantas, and Japan Airlines. With 22 partners — including representation across all three major airline alliances — the program now rivals Chase Ultimate Rewards and Amex Membership Rewards in flexibility.
Reviews & Analysis
Details & Terms
| Rule | Details |
|---|---|
| Cap One Venture Family | If you have received a signup bonus from a higher tiered card, you are ineligible to receive a bonus from a lower tiered card in that same card family. |
| No 5/24 | Card approval not subject to 5-personal-cards-in-24-months rule |
| 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 |
| Purchase APR | 19.49%–28.49% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 (first 4 free) |
Venture family
| Card | Tier | Annual Fee |
|---|
Hotels
Hotels booked via Capital One Travel - No annual cap
Car Rentals
Rental cars booked via Capital One Travel - No annual cap
Car Rentals Capital One
10X Miles on rental cars booked through Capital One Travel
Flights
Flights booked via Capital One Travel - No annual cap
Vacation Rentals
Vacation rentals booked via Capital One Travel - No annual cap
Air Travel Capital One
5X Miles on flights booked through Capital One Travel
Hotels
Hotels booked directly (not through portal) - No annual cap
Flights
Flights booked directly (not through portal) - No annual cap
All Other
Unlimited 2X miles on all other purchases - No annual cap
Earn 10 miles per dollar on hotels booked through Capital One Travel. No annual cap, no blackout dates, and access to the same properties you'd find anywhere else.
Book a $2,000 hotel stay = 20,000 miles (worth $200 toward future travel)
Earn 10 miles per dollar on rental cars booked through Capital One Travel. Stack with your Hertz President's Circle status for maximum value.
Spend $500 on rental cars = 5,000 miles (worth $50 toward travel)
Earn 5 miles per dollar on flights booked through Capital One Travel. Compare prices across airlines and earn bonus miles on every booking.
Book $1,000 in flights = 5,000 miles (worth $50 toward travel)
Earn unlimited 2X miles on every purchase, everywhere. No categories to track, no rotating bonuses, no annual caps.
Spend $2,000/month on everyday purchases = 48,000 miles/year (worth $480)
Fast track to top-tier perks
This card comes with 4 elite status and membership benefits that can unlock priority service, upgrades, and exclusive access.
Skip the counter, get free car upgrades, and earn 25% bonus points with Hertz elite status.
Unlock the world of art. Get access to over 60 of the world’s best museums with a 6-month complimentary Enthusiast membership to The Cultivist (a
Access extraordinary travel experiences, destination guides and more with a complimentary PRIOR Subscription (a $149 value).
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+
Combined Protection Value
$1,091,300
Receive up to $1,000,000 coverage for accidental loss of life, limb, sight, speech or hearing during transit on common carrier
Get primary coverage up to $75,000 for collision damage, theft and loss of use charges on rental vehicles worldwide
Receive up to $3,000 per passenger for lost luggage covering the difference between airline payment and your claim value
Up to $2,000 per person for non-refundable travel expenses if trip is canceled or cut short
Up to $800 per claim for cell phone damage or theft when paying wireless bill with card. $1,600 annual max
Deductible: 50
Receive up to $500 per passenger for meals, lodging and essentials when your trip is delayed more than 6 hours
Added 3 new transfer partners: Japan Airlines Mileage Bank, Qatar Airways Privilege Club, and I Prefer Hotel Rewards
Added Finnair Plus and Qantas Frequent Flyer as transfer partners
Added Etihad Guest and Aeromexico Rewards as transfer partners
Capital One Venture X Business card launched with 150K welcome offer and same transfer access
| Route / Property | Points | Book With | Cabin/Type | Value / Region |
|---|---|---|---|---|
| US to Hawaii Economy via Turkish Miles&Smiles | 10,000 | Turkish | economy | united_states |
| US to Europe Business via Avianca LifeMiles | 69,000–80,000 | Avianca | business | europe |
| US to Europe Business via Air Canada Aeroplan | 60,000 | Air Canada | business | europe |
| US to Doha Qsuite Business via Qatar Privilege Club | 70,000 | Qatar | business | middle_east |
| US to Europe Economy via Flying Blue Promo Awards | 10,000–15,000 | Air France Klm | economy | europe |
| US to Europe Business via Flying Blue | 60,000 | Air France Klm | business | europe |
| Short-Haul US Domestic via British Airways Avios | 12,000 | British Airways | economy | united_states |
| US to Spain Business via Iberia Avios | 40,500 | British Airways | business | europe |
| US to Europe Economy via Virgin Atlantic | 6,000 | Virgin Atlantic | economy | europe |
| Wyndham Hotels (Any Property) | 7,500–30,000 | Wyndham | — | global |
| US to Turkey Business via Turkish Miles&Smiles | 65,000 | Turkish | business | europe |
| US to Hawaii Economy via Singapore KrisFlyer | 20,500 | Singapore | economy | united_states |
Premium travel card with 10X portal earning, Capital One Lounge access, $300 travel credit, 10K anniversary miles, and Hertz elite status. Lower effective cost than competitors at $95/year after offsets.
The Capital One Venture X is one of the best all-around travel cards on the market today. It offers premium perks, strong value, and easy fee recovery for frequent travelers.
The Venture X is a “keep forever” card if you travel even once or twice per year. Its **$395 annual fee is lower than other premium cards** (like Chase Sapphire Reserve or Amex Platinum), and it’s easy to offset thanks to the **$300 annual Capital One Travel credit** and 10,000-point anniversary bonus.
Throw in lounge access, travel protections, and authorized user benefits, and this card becomes a standout in the premium space.
Venture X offers premium benefits at a lower cost — and strong flexibility through Capital One’s “Purchase Eraser.”
- **Earn 75,000 Capital One miles** after meeting the spending requirement
- $300 annual travel credit (must be used through Capital One Travel)
- **Global Entry/TSA PreCheck credit**
- Lounge access via Priority Pass + Capital One Lounges (beginning February 1, 2026, authorized users will have to pay a $125 annual fee to gain lounge access and the cardholder can no longer bring guests for free).
- **10,000 bonus miles each year on your account anniversary**
- $100 credit with Premier Collection + $50 credit with Lifestyle Collection
- Excellent travel protections, car rental insurance, and trip delay/cancellation benefits
The **“Purchase Eraser” lets you redeem miles at 1:1 value for any travel purchase** — including Airbnb, VRBO, boutique hotels, and more — which most other card ecosystems can’t match.
This card might not be ideal if:
- You don’t like booking travel through portals (you must use Capital One Travel to trigger the $300 credit)
- You’re trying to book with a specific airline or hotel that isn’t available through Capital One’s travel partners
**Capital One is a flexible point system we use for travel items that other systems don't cover**
- Partner transfers are niche airlines and hotel brands, making the points more difficult to maximize
- Using an award search tool such as [PointsYeah](https://www.pointsyeah.com/?linkId=lp_919533&sourceId=pointsnav&tenantId=pointsyeah) makes finding flights with those airlines more realistic
- Simple redemptions for erasing travel can be useful for cruises & rental cars (at 1¢/point so value isn’t maximized)
- Capital One is particularly attractive to businesses with large spending
Venture X is Capital One’s top-tier card and delivers serious value from day one.
- The $300 travel credit + 10,000-anniversary miles cancel out the annual fee on their own
- Great for lounge access, flexible redemptions, and stacking with other rewards programs
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$252
Annual Fee
-$395
Net Annual Value
-$143
| Note |
|---|
| Capital One Venture One | entry | $0 |
| Capital One Venture | mid | $95 |
Product changes available between family members without a new credit inquiry.
No. Miles do not expire as long as your account remains open and in good standing.
Yes. Capital One miles automatically pool across all your Capital One miles-earning cards. You can also convert cash back from other Capital One cards into miles.
Most transfers are instant. Exceptions include Cathay Pacific (24 hours), Choice Privileges (24 hours), EVA Air (36 hours), and Accor Live Limitless (2 business days).
The best value comes from transferring to airline partners for premium cabin flights. TPG values Capital One miles at 1.85 cents each. Top partners include Aeroplan, Flying Blue, British Airways, and Turkish Miles&Smiles for sweet spot redemptions.
No. Capital One miles cannot be transferred to another person's Capital One account. However, you can book travel for others using your miles through Capital One Travel or transfer to partner programs where you can book for others.
The Venture X ($395/yr), Venture ($95/yr), VentureOne ($0/yr), Venture X Business ($395/yr), and Spark Miles for Business ($95/yr) all earn transferable Capital One miles.
CNBC Select's comprehensive review positioning the Venture X as an accessible premium travel card with strong value proposition.
Comprehensive review highlighting the card's straightforward value proposition, annual travel credit, anniversary bonus, and lounge access benefits.
Side-by-side comparison of benefits, earn rates, and overall value between these two premium travel cards.
Head-to-head comparison between the two flagship premium travel cards, analyzing earn rates, benefits, and total value proposition.
Detailed comparison highlighting the Venture X's lower effective annual fee and competitive benefits against the Sapphire Reserve.
Analysis of the Venture X as a mid-tier premium travel card offering valuable benefits at a lower price point than top-tier competitors.
Travel-focused review from Daily Drop analyzing the card's value for frequent travelers.
Break-even analysis examining whether the annual fee is justified by the card's credits, bonuses, and benefits.
2026 update examining the card's value after recent changes to authorized user and guest lounge access policies.
Detailed review with February 2026 updates on welcome offer increase and lounge access policy changes.
Comparison between Capital One's two flagship Venture cards, helping readers choose between the $95 and $395 options.
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
| — | — | View source |
| — | — | View source |
Hotels
Hotels booked via Capital One Travel - No annual cap
Car Rentals
Rental cars booked via Capital One Travel - No annual cap
Car Rentals Capital One
10X Miles on rental cars booked through Capital One Travel
Flights
Flights booked via Capital One Travel - No annual cap
Vacation Rentals
Vacation rentals booked via Capital One Travel - No annual cap
Air Travel Capital One
5X Miles on flights booked through Capital One Travel
Hotels
Hotels booked directly (not through portal) - No annual cap
Flights
Flights booked directly (not through portal) - No annual cap
All Other
Unlimited 2X miles on all other purchases - No annual cap
Earn 10 miles per dollar on hotels booked through Capital One Travel. No annual cap, no blackout dates, and access to the same properties you'd find anywhere else.
Book a $2,000 hotel stay = 20,000 miles (worth $200 toward future travel)
Earn 10 miles per dollar on rental cars booked through Capital One Travel. Stack with your Hertz President's Circle status for maximum value.
Spend $500 on rental cars = 5,000 miles (worth $50 toward travel)
Earn 5 miles per dollar on flights booked through Capital One Travel. Compare prices across airlines and earn bonus miles on every booking.
Book $1,000 in flights = 5,000 miles (worth $50 toward travel)
Earn unlimited 2X miles on every purchase, everywhere. No categories to track, no rotating bonuses, no annual caps.
Spend $2,000/month on everyday purchases = 48,000 miles/year (worth $480)
Fast track to top-tier perks
This card comes with 4 elite status and membership benefits that can unlock priority service, upgrades, and exclusive access.
Skip the counter, get free car upgrades, and earn 25% bonus points with Hertz elite status.
Unlock the world of art. Get access to over 60 of the world’s best museums with a 6-month complimentary Enthusiast membership to The Cultivist (a
Access extraordinary travel experiences, destination guides and more with a complimentary PRIOR Subscription (a $149 value).
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+
Combined Protection Value
$1,091,300
Receive up to $1,000,000 coverage for accidental loss of life, limb, sight, speech or hearing during transit on common carrier
Get primary coverage up to $75,000 for collision damage, theft and loss of use charges on rental vehicles worldwide
Receive up to $3,000 per passenger for lost luggage covering the difference between airline payment and your claim value
Up to $2,000 per person for non-refundable travel expenses if trip is canceled or cut short
Up to $800 per claim for cell phone damage or theft when paying wireless bill with card. $1,600 annual max
Deductible: 50
Receive up to $500 per passenger for meals, lodging and essentials when your trip is delayed more than 6 hours
Added 3 new transfer partners: Japan Airlines Mileage Bank, Qatar Airways Privilege Club, and I Prefer Hotel Rewards
Added Finnair Plus and Qantas Frequent Flyer as transfer partners
Added Etihad Guest and Aeromexico Rewards as transfer partners
Capital One Venture X Business card launched with 150K welcome offer and same transfer access
| Route / Property | Points | Book With | Cabin/Type | Value / Region |
|---|---|---|---|---|
| US to Hawaii Economy via Turkish Miles&Smiles | 10,000 | Turkish | economy | united_states |
| US to Europe Business via Avianca LifeMiles | 69,000–80,000 | Avianca | business | europe |
| US to Europe Business via Air Canada Aeroplan | 60,000 | Air Canada | business | europe |
| US to Doha Qsuite Business via Qatar Privilege Club | 70,000 | Qatar | business | middle_east |
| US to Europe Economy via Flying Blue Promo Awards | 10,000–15,000 | Air France Klm | economy | europe |
| US to Europe Business via Flying Blue | 60,000 | Air France Klm | business | europe |
| Short-Haul US Domestic via British Airways Avios | 12,000 | British Airways | economy | united_states |
| US to Spain Business via Iberia Avios | 40,500 | British Airways | business | europe |
| US to Europe Economy via Virgin Atlantic | 6,000 | Virgin Atlantic | economy | europe |
| Wyndham Hotels (Any Property) | 7,500–30,000 | Wyndham | — | global |
| US to Turkey Business via Turkish Miles&Smiles | 65,000 | Turkish | business | europe |
| US to Hawaii Economy via Singapore KrisFlyer | 20,500 | Singapore | economy | united_states |
Premium travel card with 10X portal earning, Capital One Lounge access, $300 travel credit, 10K anniversary miles, and Hertz elite status. Lower effective cost than competitors at $95/year after offsets.
The Capital One Venture X is one of the best all-around travel cards on the market today. It offers premium perks, strong value, and easy fee recovery for frequent travelers.
The Venture X is a “keep forever” card if you travel even once or twice per year. Its **$395 annual fee is lower than other premium cards** (like Chase Sapphire Reserve or Amex Platinum), and it’s easy to offset thanks to the **$300 annual Capital One Travel credit** and 10,000-point anniversary bonus.
Throw in lounge access, travel protections, and authorized user benefits, and this card becomes a standout in the premium space.
Venture X offers premium benefits at a lower cost — and strong flexibility through Capital One’s “Purchase Eraser.”
- **Earn 75,000 Capital One miles** after meeting the spending requirement
- $300 annual travel credit (must be used through Capital One Travel)
- **Global Entry/TSA PreCheck credit**
- Lounge access via Priority Pass + Capital One Lounges (beginning February 1, 2026, authorized users will have to pay a $125 annual fee to gain lounge access and the cardholder can no longer bring guests for free).
- **10,000 bonus miles each year on your account anniversary**
- $100 credit with Premier Collection + $50 credit with Lifestyle Collection
- Excellent travel protections, car rental insurance, and trip delay/cancellation benefits
The **“Purchase Eraser” lets you redeem miles at 1:1 value for any travel purchase** — including Airbnb, VRBO, boutique hotels, and more — which most other card ecosystems can’t match.
This card might not be ideal if:
- You don’t like booking travel through portals (you must use Capital One Travel to trigger the $300 credit)
- You’re trying to book with a specific airline or hotel that isn’t available through Capital One’s travel partners
**Capital One is a flexible point system we use for travel items that other systems don't cover**
- Partner transfers are niche airlines and hotel brands, making the points more difficult to maximize
- Using an award search tool such as [PointsYeah](https://www.pointsyeah.com/?linkId=lp_919533&sourceId=pointsnav&tenantId=pointsyeah) makes finding flights with those airlines more realistic
- Simple redemptions for erasing travel can be useful for cruises & rental cars (at 1¢/point so value isn’t maximized)
- Capital One is particularly attractive to businesses with large spending
Venture X is Capital One’s top-tier card and delivers serious value from day one.
- The $300 travel credit + 10,000-anniversary miles cancel out the annual fee on their own
- Great for lounge access, flexible redemptions, and stacking with other rewards programs
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$252
Annual Fee
-$395
Net Annual Value
-$143
| Note |
|---|
| Capital One Venture One | entry | $0 |
| Capital One Venture | mid | $95 |
Product changes available between family members without a new credit inquiry.
No. Miles do not expire as long as your account remains open and in good standing.
Yes. Capital One miles automatically pool across all your Capital One miles-earning cards. You can also convert cash back from other Capital One cards into miles.
Most transfers are instant. Exceptions include Cathay Pacific (24 hours), Choice Privileges (24 hours), EVA Air (36 hours), and Accor Live Limitless (2 business days).
The best value comes from transferring to airline partners for premium cabin flights. TPG values Capital One miles at 1.85 cents each. Top partners include Aeroplan, Flying Blue, British Airways, and Turkish Miles&Smiles for sweet spot redemptions.
No. Capital One miles cannot be transferred to another person's Capital One account. However, you can book travel for others using your miles through Capital One Travel or transfer to partner programs where you can book for others.
The Venture X ($395/yr), Venture ($95/yr), VentureOne ($0/yr), Venture X Business ($395/yr), and Spark Miles for Business ($95/yr) all earn transferable Capital One miles.
CNBC Select's comprehensive review positioning the Venture X as an accessible premium travel card with strong value proposition.
Comprehensive review highlighting the card's straightforward value proposition, annual travel credit, anniversary bonus, and lounge access benefits.
Side-by-side comparison of benefits, earn rates, and overall value between these two premium travel cards.
Head-to-head comparison between the two flagship premium travel cards, analyzing earn rates, benefits, and total value proposition.
Detailed comparison highlighting the Venture X's lower effective annual fee and competitive benefits against the Sapphire Reserve.
Analysis of the Venture X as a mid-tier premium travel card offering valuable benefits at a lower price point than top-tier competitors.
Travel-focused review from Daily Drop analyzing the card's value for frequent travelers.
Break-even analysis examining whether the annual fee is justified by the card's credits, bonuses, and benefits.
2026 update examining the card's value after recent changes to authorized user and guest lounge access policies.
Detailed review with February 2026 updates on welcome offer increase and lounge access policy changes.
Comparison between Capital One's two flagship Venture cards, helping readers choose between the $95 and $395 options.
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
| — | — | View source |
| — | — | View source |
Hotels
Hotels booked via Capital One Travel - No annual cap
Car Rentals
Rental cars booked via Capital One Travel - No annual cap
Car Rentals Capital One
10X Miles on rental cars booked through Capital One Travel
Flights
Flights booked via Capital One Travel - No annual cap
Vacation Rentals
Vacation rentals booked via Capital One Travel - No annual cap
Air Travel Capital One
5X Miles on flights booked through Capital One Travel
Hotels
Hotels booked directly (not through portal) - No annual cap
Flights
Flights booked directly (not through portal) - No annual cap
All Other
Unlimited 2X miles on all other purchases - No annual cap
Earn 10 miles per dollar on hotels booked through Capital One Travel. No annual cap, no blackout dates, and access to the same properties you'd find anywhere else.
Book a $2,000 hotel stay = 20,000 miles (worth $200 toward future travel)
Earn 10 miles per dollar on rental cars booked through Capital One Travel. Stack with your Hertz President's Circle status for maximum value.
Spend $500 on rental cars = 5,000 miles (worth $50 toward travel)
Earn 5 miles per dollar on flights booked through Capital One Travel. Compare prices across airlines and earn bonus miles on every booking.
Book $1,000 in flights = 5,000 miles (worth $50 toward travel)
Earn unlimited 2X miles on every purchase, everywhere. No categories to track, no rotating bonuses, no annual caps.
Spend $2,000/month on everyday purchases = 48,000 miles/year (worth $480)
Fast track to top-tier perks
This card comes with 4 elite status and membership benefits that can unlock priority service, upgrades, and exclusive access.
Skip the counter, get free car upgrades, and earn 25% bonus points with Hertz elite status.
Unlock the world of art. Get access to over 60 of the world’s best museums with a 6-month complimentary Enthusiast membership to The Cultivist (a
Access extraordinary travel experiences, destination guides and more with a complimentary PRIOR Subscription (a $149 value).
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+
Combined Protection Value
$1,091,300
Receive up to $1,000,000 coverage for accidental loss of life, limb, sight, speech or hearing during transit on common carrier
Get primary coverage up to $75,000 for collision damage, theft and loss of use charges on rental vehicles worldwide
Receive up to $3,000 per passenger for lost luggage covering the difference between airline payment and your claim value
Up to $2,000 per person for non-refundable travel expenses if trip is canceled or cut short
Up to $800 per claim for cell phone damage or theft when paying wireless bill with card. $1,600 annual max
Deductible: 50
Receive up to $500 per passenger for meals, lodging and essentials when your trip is delayed more than 6 hours
Added 3 new transfer partners: Japan Airlines Mileage Bank, Qatar Airways Privilege Club, and I Prefer Hotel Rewards
Added Finnair Plus and Qantas Frequent Flyer as transfer partners
Added Etihad Guest and Aeromexico Rewards as transfer partners
Capital One Venture X Business card launched with 150K welcome offer and same transfer access
| Route / Property | Points | Book With | Cabin/Type | Value / Region |
|---|---|---|---|---|
| US to Hawaii Economy via Turkish Miles&Smiles | 10,000 | Turkish | economy | united_states |
| US to Europe Business via Avianca LifeMiles | 69,000–80,000 | Avianca | business | europe |
| US to Europe Business via Air Canada Aeroplan | 60,000 | Air Canada | business | europe |
| US to Doha Qsuite Business via Qatar Privilege Club | 70,000 | Qatar | business | middle_east |
| US to Europe Economy via Flying Blue Promo Awards | 10,000–15,000 | Air France Klm | economy | europe |
| US to Europe Business via Flying Blue | 60,000 | Air France Klm | business | europe |
| Short-Haul US Domestic via British Airways Avios | 12,000 | British Airways | economy | united_states |
| US to Spain Business via Iberia Avios | 40,500 | British Airways | business | europe |
| US to Europe Economy via Virgin Atlantic | 6,000 | Virgin Atlantic | economy | europe |
| Wyndham Hotels (Any Property) | 7,500–30,000 | Wyndham | — | global |
| US to Turkey Business via Turkish Miles&Smiles | 65,000 | Turkish | business | europe |
| US to Hawaii Economy via Singapore KrisFlyer | 20,500 | Singapore | economy | united_states |
Premium travel card with 10X portal earning, Capital One Lounge access, $300 travel credit, 10K anniversary miles, and Hertz elite status. Lower effective cost than competitors at $95/year after offsets.
The Capital One Venture X is one of the best all-around travel cards on the market today. It offers premium perks, strong value, and easy fee recovery for frequent travelers.
The Venture X is a “keep forever” card if you travel even once or twice per year. Its **$395 annual fee is lower than other premium cards** (like Chase Sapphire Reserve or Amex Platinum), and it’s easy to offset thanks to the **$300 annual Capital One Travel credit** and 10,000-point anniversary bonus.
Throw in lounge access, travel protections, and authorized user benefits, and this card becomes a standout in the premium space.
Venture X offers premium benefits at a lower cost — and strong flexibility through Capital One’s “Purchase Eraser.”
- **Earn 75,000 Capital One miles** after meeting the spending requirement
- $300 annual travel credit (must be used through Capital One Travel)
- **Global Entry/TSA PreCheck credit**
- Lounge access via Priority Pass + Capital One Lounges (beginning February 1, 2026, authorized users will have to pay a $125 annual fee to gain lounge access and the cardholder can no longer bring guests for free).
- **10,000 bonus miles each year on your account anniversary**
- $100 credit with Premier Collection + $50 credit with Lifestyle Collection
- Excellent travel protections, car rental insurance, and trip delay/cancellation benefits
The **“Purchase Eraser” lets you redeem miles at 1:1 value for any travel purchase** — including Airbnb, VRBO, boutique hotels, and more — which most other card ecosystems can’t match.
This card might not be ideal if:
- You don’t like booking travel through portals (you must use Capital One Travel to trigger the $300 credit)
- You’re trying to book with a specific airline or hotel that isn’t available through Capital One’s travel partners
**Capital One is a flexible point system we use for travel items that other systems don't cover**
- Partner transfers are niche airlines and hotel brands, making the points more difficult to maximize
- Using an award search tool such as [PointsYeah](https://www.pointsyeah.com/?linkId=lp_919533&sourceId=pointsnav&tenantId=pointsyeah) makes finding flights with those airlines more realistic
- Simple redemptions for erasing travel can be useful for cruises & rental cars (at 1¢/point so value isn’t maximized)
- Capital One is particularly attractive to businesses with large spending
Venture X is Capital One’s top-tier card and delivers serious value from day one.
- The $300 travel credit + 10,000-anniversary miles cancel out the annual fee on their own
- Great for lounge access, flexible redemptions, and stacking with other rewards programs
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$252
Annual Fee
-$395
Net Annual Value
-$143
| Note |
|---|
| Capital One Venture One | entry | $0 |
| Capital One Venture | mid | $95 |
Product changes available between family members without a new credit inquiry.
No. Miles do not expire as long as your account remains open and in good standing.
Yes. Capital One miles automatically pool across all your Capital One miles-earning cards. You can also convert cash back from other Capital One cards into miles.
Most transfers are instant. Exceptions include Cathay Pacific (24 hours), Choice Privileges (24 hours), EVA Air (36 hours), and Accor Live Limitless (2 business days).
The best value comes from transferring to airline partners for premium cabin flights. TPG values Capital One miles at 1.85 cents each. Top partners include Aeroplan, Flying Blue, British Airways, and Turkish Miles&Smiles for sweet spot redemptions.
No. Capital One miles cannot be transferred to another person's Capital One account. However, you can book travel for others using your miles through Capital One Travel or transfer to partner programs where you can book for others.
The Venture X ($395/yr), Venture ($95/yr), VentureOne ($0/yr), Venture X Business ($395/yr), and Spark Miles for Business ($95/yr) all earn transferable Capital One miles.
CNBC Select's comprehensive review positioning the Venture X as an accessible premium travel card with strong value proposition.
Comprehensive review highlighting the card's straightforward value proposition, annual travel credit, anniversary bonus, and lounge access benefits.
Side-by-side comparison of benefits, earn rates, and overall value between these two premium travel cards.
Head-to-head comparison between the two flagship premium travel cards, analyzing earn rates, benefits, and total value proposition.
Detailed comparison highlighting the Venture X's lower effective annual fee and competitive benefits against the Sapphire Reserve.
Analysis of the Venture X as a mid-tier premium travel card offering valuable benefits at a lower price point than top-tier competitors.
Travel-focused review from Daily Drop analyzing the card's value for frequent travelers.
Break-even analysis examining whether the annual fee is justified by the card's credits, bonuses, and benefits.
2026 update examining the card's value after recent changes to authorized user and guest lounge access policies.
Detailed review with February 2026 updates on welcome offer increase and lounge access policy changes.
Comparison between Capital One's two flagship Venture cards, helping readers choose between the $95 and $395 options.
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Primary insurance covering theft and collision damage on rental vehicles, up to $75,000 per claim.
Access premium 24/7 multilingual travel assistance with enhanced coordination for medical, legal, and emergency services.
Extends warranties of 3 years or less by 1 year. Up to $10,000 per claim and $50,000 annually
Coverage up to $10,000 per claim for items stolen or damaged within 90 days of purchase.
Get reimbursed up to $300 per item (up to $1,000/year) when a merchant refuses to accept a return.
Get reimbursed for essential purchases like clothing and toiletries when your baggage is delayed more than 6 hours
Cancel flights booked through Capital One Travel up to 3 hours before departure and receive most of your booking cost refunded
Get price match guarantee and automatic price drop protection on flights and hotels booked through Capital One Travel portal
- For couples or “two-player mode,” one partner can apply for the Venture X while the other gets the Venture Rewards (currently 75,000-miles sign-up bonus), then downgrade to VentureOne after year one.
- Be aware of Capital One's new Venture Family Rule, which states that you must get each of the three Venture cards in a certain order ( VentureOne, Venture Rewards, Venture X) to be eligible for the signup bonus on each.
If you're already cycling through Chase or Amex cards, this is a great way to add diversity and take a break while still earning top-tier rewards.
We picked up the Venture X after maxing out Chase opportunities. The lounge access was a major win on a family trip to Croatia — especially since we could add my wife as a free authorized user and get access for all five of us ( _Note that this benefit is discontinued as of February 1, 2026. Authorized users will have to pay a $125 annual fee)_. We’ve used the travel credit on local weekend getaways, and the purchase eraser came in handy for a vacation rental in the Canadian Rockies. Combined with Chase for hotels and Amex for flights, Venture X helped complete the puzzle — and saved us thousands.
Primary insurance covering theft and collision damage on rental vehicles, up to $75,000 per claim.
Access premium 24/7 multilingual travel assistance with enhanced coordination for medical, legal, and emergency services.
Extends warranties of 3 years or less by 1 year. Up to $10,000 per claim and $50,000 annually
Coverage up to $10,000 per claim for items stolen or damaged within 90 days of purchase.
Get reimbursed up to $300 per item (up to $1,000/year) when a merchant refuses to accept a return.
Get reimbursed for essential purchases like clothing and toiletries when your baggage is delayed more than 6 hours
Cancel flights booked through Capital One Travel up to 3 hours before departure and receive most of your booking cost refunded
Get price match guarantee and automatic price drop protection on flights and hotels booked through Capital One Travel portal
- For couples or “two-player mode,” one partner can apply for the Venture X while the other gets the Venture Rewards (currently 75,000-miles sign-up bonus), then downgrade to VentureOne after year one.
- Be aware of Capital One's new Venture Family Rule, which states that you must get each of the three Venture cards in a certain order ( VentureOne, Venture Rewards, Venture X) to be eligible for the signup bonus on each.
If you're already cycling through Chase or Amex cards, this is a great way to add diversity and take a break while still earning top-tier rewards.
We picked up the Venture X after maxing out Chase opportunities. The lounge access was a major win on a family trip to Croatia — especially since we could add my wife as a free authorized user and get access for all five of us ( _Note that this benefit is discontinued as of February 1, 2026. Authorized users will have to pay a $125 annual fee)_. We’ve used the travel credit on local weekend getaways, and the purchase eraser came in handy for a vacation rental in the Canadian Rockies. Combined with Chase for hotels and Amex for flights, Venture X helped complete the puzzle — and saved us thousands.
Primary insurance covering theft and collision damage on rental vehicles, up to $75,000 per claim.
Access premium 24/7 multilingual travel assistance with enhanced coordination for medical, legal, and emergency services.
Extends warranties of 3 years or less by 1 year. Up to $10,000 per claim and $50,000 annually
Coverage up to $10,000 per claim for items stolen or damaged within 90 days of purchase.
Get reimbursed up to $300 per item (up to $1,000/year) when a merchant refuses to accept a return.
Get reimbursed for essential purchases like clothing and toiletries when your baggage is delayed more than 6 hours
Cancel flights booked through Capital One Travel up to 3 hours before departure and receive most of your booking cost refunded
Get price match guarantee and automatic price drop protection on flights and hotels booked through Capital One Travel portal
- For couples or “two-player mode,” one partner can apply for the Venture X while the other gets the Venture Rewards (currently 75,000-miles sign-up bonus), then downgrade to VentureOne after year one.
- Be aware of Capital One's new Venture Family Rule, which states that you must get each of the three Venture cards in a certain order ( VentureOne, Venture Rewards, Venture X) to be eligible for the signup bonus on each.
If you're already cycling through Chase or Amex cards, this is a great way to add diversity and take a break while still earning top-tier rewards.
We picked up the Venture X after maxing out Chase opportunities. The lounge access was a major win on a family trip to Croatia — especially since we could add my wife as a free authorized user and get access for all five of us ( _Note that this benefit is discontinued as of February 1, 2026. Authorized users will have to pay a $125 annual fee)_. We’ve used the travel credit on local weekend getaways, and the purchase eraser came in handy for a vacation rental in the Canadian Rockies. Combined with Chase for hotels and Amex for flights, Venture X helped complete the puzzle — and saved us thousands.
