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Capital One Venture X Card Overview

Capital One Venture X Card Overview

An in-depth look at one of the best travel rewards cards available.

Author: Shannon Lopez
|
Reviewed by: Taevann Calloway
|
Benefits Accurate as of: Sep 25, 2025

PREMIUM TRAVEL CARD

Capital One Venture X Rewards Credit Card

Capital One Venture X Card
Apply now

at the issuer's secure site. Terms & restrictions apply.

Why we love this card: Venture X always pays for itself. With a $395 annual fee and $400+ in annual credits, it's always positive. Add lounge access and high travel earn rates, and it becomes a no-brainer.

Estimated First-Year Value: $1,788, plus rewards on your spend

- Includes a 75,000-mile sign-up bonus, a $300 annual travel credit, and 10,000 anniversary miles.

Annual Fee

$395

Sign-Up Bonus

75,000 miles

Est. Annual Value

$400+

Plus miles earned and lounge access value

Rewards Rates
10x Points 5x Points 2x Points
On hotels and rental cars booked through Capital One Travel. On flights booked through Capital One Travel. On all other purchases, with no caps or limits.

Why you may want the Venture X card

  • $300 annual travel credit: Receive a $300 annual credit for bookings through Capital One Travel.
  • 10,000 anniversary bonus miles: Get 10,000 bonus miles (worth $100 toward travel) every year after your first anniversary.
  • Lounge access: Enjoy unlimited access to Capital One Lounges and 1,700+ Priority Pass lounges worldwide for you and two guests.
  • Global Entry or TSA PreCheck credit: Receive up to a $120 statement credit for the application fee for Global Entry or TSA PreCheck every 4 years.
  • Generous rewards structure: 5%-10% earn rates through Capital One Travel and 2% on all other purchases.

Redeeming Miles

You have several flexible options for redeeming your Venture X miles:

  • Cover travel purchases: Redeem your miles at a fixed rate of 1 cent each to cover any travel-related purchase made on your card in the last 90 days.
  • Book through Capital One Travel: Use your miles to book flights, hotels, and rental cars directly through the portal, also at a value of 1 cent per mile.
  • Transfer to partners: For potentially greater value, transfer your miles to over 15 airline and hotel loyalty program partners, including Air Canada Aeroplan, British Airways Executive Club, and Wyndham Rewards.

Airport Lounge Access

Capital One Lounges

One of the standout perks of the Venture X is unlimited complimentary access to Capital One's exclusive airport lounges for you and two guests. These lounges offer a premium experience with grab-and-go food, coffee bars, and relaxation rooms. Current locations include:

  • Capital One Landing at Washington, D.C.'s Ronald Reagan Washington National Airport (DCA)
  • Denver International Airport (DEN)
  • Dallas Fort Worth International Airport (DFW)
  • Washington, D.C.'s Dulles International Airport (IAD)
  • John F. Kennedy International Airport (JFK)
  • Harry Reid International Airport (LAS)

Priority Pass Select

In addition to Capital One's own lounges, the Venture X card includes a complimentary Priority Pass Select membership. This grants you and two guests access to over 1,300 airport lounges and experiences worldwide, significantly expanding your options when you travel. It's important to note that this benefit does not include access to Priority Pass restaurants.

Venture X Alternatives

For more premium perks and lounge access...

The Platinum Card® from American Express is the top choice for travelers seeking the most extensive lounge access and a long list of luxury statement credits. While its annual fee is higher, it provides access to the exclusive Centurion Lounge network and automatic elite status with Marriott and Hilton.

  • Why you might prefer it: Unmatched lounge access, premium hotel status, and over $3,000 in potential statement credits.
  • Why you might stick with the Venture X: The Venture X has a lower annual fee and a simpler, more straightforward rewards structure with credits that are easier to use.

For higher rewards on dining and travel...

The Chase Sapphire Reserve® is a strong competitor, especially for those who spend heavily on dining and travel. It offers a higher earning rate in these categories and features a flexible and easy-to-use $300 annual travel credit. Its points are also highly valuable when transferred to partners like Hyatt.

  • Why you might prefer it: Better rewards on your biggest travel and dining expenses and access to valuable Chase transfer partners.
  • Why you might stick with the Venture X: The Venture X offers a lower annual fee and allows free authorized users who also get lounge access, making it a better value for families or couples.

Want to find the perfect travel credit card, just for you? Visit our Credit Card Finder to get your best match.

Final Thoughts

The Capital One Venture X Rewards Credit Card is an excellent choice for frequent and casual travelers alike. Its simple rewards structure, valuable annual credits that effectively offset the annual fee, and premium perks like lounge access make it one of the most compelling travel cards on the market.

Bottom Line: If you want a straightforward way to earn and redeem travel rewards without juggling complicated bonus categories, the Venture X is hard to beat.

Apply for the Venture X Card

at the issuer's secure site. Terms & restrictions apply.

PREMIUM TRAVEL CARD

Capital One Venture X Rewards Credit Card

Apply now
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Now that you have a good handle on goals and the available savings products out there, you’re ready for Savings 102 where it’s time to choose the right product to meet your specific savings goal.