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Capital One Venture X
Capital One

Capital One Venture X

A $395-a-year travel rewards card from Capital One.

Transfers to airlines & hotels
Annual fee
$395/yr
Welcome bonus
75,000 Miles
Min spend
$4,000 in 3 months
Recommended credit
Excellent (720+)
Network
Visa
Foreign transaction fee
None
Apply on Capital One site8.7/10Our rating · review ›

Rates, fees, and full terms are set by Capital One and can change. See current rates & fees on the issuer’s site, and always confirm the latest terms before applying.

Before you apply: Capital One application and welcome-bonus rules →
Offer last verified July 24, 2026. How we verify.

Is this card right for you?

✓ Best for

people who want straightforward everyday rewards.

⚠ Think twice if

you will not use enough of its perks and credits to cover the $395 annual fee.

Earning rates

10x miles on hotels and rental cars via Capital One Travel
5x on flights via Capital One Travel
2x on all other purchases
10,000 bonus miles every account anniversary (~$100 value)
Complimentary Hertz President's Circle status, the top rental elite tier (guaranteed one-class upgrade, skip-the-counter car choice, and 50% bonus points)

Best ways to earn & redeem

Use it as a flat-rate everyday card, since it earns the same on every purchase, and pair it with bonus-category cards for groceries, dining, and travel.

When you cash in, transfer the points to airline and hotel partners for potential outsized value, or take a flat 1 cent as cash or travel. We value every point at a flat 1 cent, so treat any transfer upside as a bonus rather than the baseline — see what your points are really worth.

Features & benefits

$300 annual travel credit (for Capital One Travel bookings)
Complimentary access to Capital One Lounges and Capital One Landings, plus unlimited Priority Pass lounge access
Global Entry or TSA PreCheck credit
No foreign transaction fees
Cell phone protection up to $800
Trip cancellation/interruption insurance
Primary rental car coverage

Lounge access

Unlimited Priority Pass lounge access for the cardholder, airport lounges only (no restaurants). As of February 1, 2026 there are no complimentary guests; each guest is $35 per visit
Authorized users no longer get free lounge access; adding it costs $125 per year per authorized user
Complimentary Capital One Lounge and Capital One Landing access; guests are not complimentary unless you spend $75,000 in a calendar year, which unlocks 2 free guests at Capital One Lounges and 1 at Capital One Landings

Statement credits

$300 annual travel credit (via Capital One Travel)
10,000 bonus miles every anniversary (~$100 value)
Global Entry or TSA PreCheck fee credit (~$100)

Transfer partners

Your Miles transfer directly to airline and hotel loyalty programs, usually at 1:1. That is where transferable points beat flat cash back, because the right award can be worth well over 1 cent each. Major partners include:

Airline partners

Air Canada Aeroplan, Turkish Miles & Smiles, Avianca LifeMiles, Flying Blue (Air France/KLM), Singapore Airlines, British Airways

To see what a specific flight award actually costs, look up live mileage prices and seat availability on seats.aero.

Hotel partners

Wyndham Rewards

You can check the live points price for a specific stay on rooms.aero.

See the full Capital One ecosystem, card lineup, and live transfer bonuses →

Alternatives to the Capital One Venture X

Pairs well with

The Capital One Venture X is a Capital One transfer hub. Pair it with these strong Miles earners, whose points pool into it so you can transfer the combined balance.

Learn more

How does it rank for your spending?

Every card is ranked by what it actually returns on the way you spend. Run your numbers and see where the Capital One Venture X lands.

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