Capital One Venture X Review

Capital One Venture X Rewards Credit Card

Bonus Offer
75,000 Miles details
Annual Fee
$395
Intro APR
N/A
Regular APR
21.24% - 28.24% (Variable)
Rewards Rate
1x-5x Cashback
Recommended Credit Score
720 850

If you’re looking for a travel card with generous bonus category rewards, travel credits, and bonuses, take a look at the Capital One Venture X Rewards Card. It's a happy medium for road warriors who spend enough to offset an annual fee but don't quite want to commit to an elite card.

Pros

  • Miles are unlimited and don't expire
  • Complimentary lounge access
  • Annual travel credit and bonus miles

Cons

  • Annual fee
  • Limited luxury perks

Capital One is offering 75,000 Miles when you open a new Capital One Venture X Rewards Credit Card Details below!

How To Earn The Bonus:

  1. Apply for a new Capital One Venture X Rewards Credit Card using the link below.
  2. Within 3 months, spend $4,000 using your new card.
  3. Bonus will be credited to your rewards balance within 2 billing cycles.

As the name suggests, Capital One Venture X is a credit card for those who want to go further, with more rewards. It’s for the traveler, the jetsetter, the adventurer – but is it worth it?

In this review, we’ll explore, detail, and ultimately judge the features of this card to determine if it’s right for you.

If you’re a businessman, traveler, frequent flier – or simply interested in today’s top credit cards, read on!

Capital One Venture X Card Overview

Capital One Venture X is a card that heavily rewards the traveling customer. There are so many ways to earn rewards by using this card!

Here are a just few highlights:

  • Early Spend Bonus
  • Annual statement credits of up to $300 for bookings through Capital One Travel
  • TSA PreCheck® or Global Entry credit of up to $100
  • No foreign transaction fees

As you can see, this card is geared towards those who are likely to accrue travel rewards and take advantage of these travel-specific bonuses.

Capital One Venture X: Main Benefits & Perks

The majority of the benefits and perks from this Capital One card help make your travel more enjoyable.

It gives users miles, bonuses, and other rewards that can be redeemed for hotels, flights, rental cars, and other facilities a frequent traveler may use.

Straightforward Terms & Conditions

With high-end credit cards, straightforward isn’t often a word used when describing the cardholder terms and conditions. However, that’s the general consensus of Capital One Venture X cardholders across the board.

Unlike other premium cards with complex benefits that might be difficult to manage, the Capital One Venture X Rewards Credit Card is simple to use! The Venture X card offers benefits and rewards that are hassle-free and easily accessible.

This simplicity is mainly due to the flat rewards rates on types of purchases – once you’ve familiarized yourself with the card, you’ll know what you’re earning, and where.

Double Miles on Every Purchase

Whenever you use the Venture X to make a purchase, you’ll earn double whatever miles you would’ve accrued otherwise.

This is only the bare minimum, however; when purchasing through Capital One Travel, the user will earn 5X miles on flights, and 10X miles on rental car and hotel bookings made through Capital One Travel.

Unlimited Access to Capital One Lounges

There are also exclusive lounges across airports worldwide available for certain cardholders. Those with the Venture X card are allowed to experience the full benefit of Capital One’s airport lounge, with 2 complimentary guests!

This privilege even extends to Capital One’s partners – Venture X acts as a key to over 1,400 airport lounges worldwide.

Entertainment Bonuses

Holders of Capital One Venture X are entitled to numerous exclusive reservations at globally renowned restaurants, as well as early access to tickets and more for sporting or music events – what better way to sample the top-tier entertainment of a new country?

Zero Foreign Transaction Fees

In any country excluding the United States of America, there are no foreign transaction fees on any purchase the cardholder makes.

You can tell this card is specifically designed for travelers, with no “at-home” benefits, so to speak.

Referral Bonuses

If a cardholder manages to refer someone to Capital One and they become an approved cardholder, the referrer receives a bonus of up to 100,000 miles.

Free Additional Cardholders

As long as the original holder has paid the fee, they may add other cardholders at no extra cost. They will also accrue all points earned by the additional holders.

Mobile Recovery Costs

Mobile recovery costs will be paid by Capital One up to $800 if your phone is stolen, lost, or otherwise damaged significantly. Every time you use the Venture X card to make a purchase, you’re working to insure your all-important smartphone!

Everlasting Miles

Miles earned as spending rewards never expire. Additionally, there are no blackout dates on the Capital One calendar, so the cardholder is truly unrestricted as to when they can redeem their miles.

Car Rental Perks

With Hertz, the cardholder is fast-tracked into their President’s Circle, which lets you select from a more prestigious selection of cars than is available at the standard rental desk.

With Turo, up until the 16th of May 2023, you’ll earn 10X as many miles every time you book with your Venture X card.

Diverse Methods of Points Redemption

Your accrued miles can be spent, or redeemed, in a number of ways. Booking through Capital One lets the cardholder pay with their miles, where a mile is equivalent to 1 cent.

Alternatively, the miles can be easily transferred to the rewards program of partner companies.

Transfer Partners

  • Aeromexico Club Premier
  • Aeroplan®
  • Asia Miles
  • Avianca LifeMiles
  • British Airways Executive Club
  • Choice Privileges®
  • Emirates Skywards
  • Etihad Guest
  • Finnair Plus
  • Flying Blue
  • Qantas Frequent Flyer
  • Singapore Airlines KrisFlyer
  • TAP Miles&Go
  • Turkish Airlines Miles&Smiles
  • Virgin Red

Finally (and perhaps most beneficially), miles can be redeemed as a statement credit on all travel bookings within 90 days of the purchase date.

Anniversary Bonuses and Perks

For bookings made via Capital One Travel, the cardholder can expect to be credited back up to $300, annually.

Another annual perk is the yearly 10,000 bonus miles every Venture X owner can expect from their first cardholding anniversary onwards, once membership has been renewed.

These miles are equivalent to $100 of traveling expenses!

Who is Capital One Venture X Best For?

Capital One markets its Venture X credit card to those who travel frequently, and in style.

If you’re wondering who Capital One Venture X is best for, the answer would be an international businessperson or someone that loves to travel in luxury between countries and wants to pay their travel off with accrued rewards points.

Pros and Cons

It’s important to consider both the advantages and disadvantages of Capital One Venture X:

Pros

  • Rewards bonuses and exclusive offers available worldwide, on tickets & services booked through Capital One
  • Earn miles on all purchases. There’s a base rate of 10 miles per dollar spent on rental cars and hotels, 5 miles per dollar spent on flight bookings made via Capital One travel, and 2 miles per dollar on all other purchases.
  • Mobile phone insurance is included. Capital One will reimburse the cardholder up to $800 if their phone is damaged, lost, or stolen on their travels
  • There are no foreign transaction fees outside the US
  • A reasonable annual fee of $395. Compared to other high-end, prestigious cards, the Venture X boasts a comparatively small annual price of admission.
  • Global Entry/TSA PreCheck® credit upon payment
  • Allows entry into many airport lounges (all Capital One lounges + 1400 others)
  • No rewards cap- so if you spend, you earn! These earnings will never expire so long as the account remains open.

Cons

  • It’s exclusive. All the rewards Capital One offers with their Venture X credit card are dependent upon using their booking portal, Capital One Travel. If you have connections to companies that are not Capital One or affiliated or partnered with them in any way, this card will not let you enjoy any benefits or rewards that they offer.
  • The annual fee. While $395 is a drop in the bucket to some, it can also be too much to many. If you’re budget-conscious and looking for a traveling card, you may want to consider another one of those options.
  • There’s a low number of domestic transfer partners. While Venture X offers a huge selection when it comes to overseas travel, dining, and entertainment benefits, the points earned on these purchases cannot be redeemed with US airline companies.

Capital One Venture X Current Bonuses & Promotions

Here are some of the promotions and bonus offers going on right now:

1. Capital One Venture X Rewards Credit Card - 75,000 bonus miles

The Capital One Venture X Rewards Credit Card comes with a 75,000 mile welcome bonus. All you need to do to qualify is make $4,000 worth of purchases within three months of opening the account.

The card has a somewhat high annual fee; however, lower compared to other similar premium cards. Cardholders also enjoy perks such as a up to $300 in statement credits for bookings through Capital One Travel, up to a $100 credit on Global Entry or TSA PreCheck® and access to select airport lounges.

How to earn the bonus

The Capital One Venture X Rewards Credit Card sign up offer requires you to make purchases using the account's card in order to earn the 75,000 bonus miles. Full requirements to receive this bonus are:

  1. Apply for a new Capital One Venture X Rewards Credit Card using the link below.
  2. Within 3 months, spend $4,000 using your new card.
  3. Bonus will be credited to your rewards balance within 2 billing cycles.

read the full terms

Rates and Fees

  • Annual Fee: $395
  • Balance Transfer Fee: $0 at this Transfer APR
  • Balance Transfer Intro APR: N/A
  • Balance Transfer Regular APR: 21.24% - 28.24% (Variable)
  • Intro Purchase APR: N/A
  • Regular Purchase APR: 21.24% - 28.24% (Variable)
  • Foreign Transaction Fee: None

Alternatives to Capital One Venture X

The Venture X is a great card for travelers seeking benefits!

However, the barriers to entry (such as high credit score and substantial annual fee) may mean that for some future cardholders, there are a few other credit cards that can be considered. Check out these alternatives to the Venture X card:

Citi®

Citi Premier® Card

Bonus
60,000 Points
Account Type
Personal Card
Annual Fee
$95

Chase

Chase Sapphire Reserve®

Bonus
60,000 Points
Account Type
Personal Card
Annual Fee
$550

Amex

The Platinum Card® from American Express

Bonus
80,000 Points
Account Type
Personal Card
Annual Fee
$695

Frequently Asked Questions

What credit score do you need for Capital One Venture X?

To successfully apply for the Capital One Venture X, you will need a credit score in the range of 720 to 850. This is commonly considered an ‘excellent’ credit score.

Capital One offers a variety of other cards suited for different purposes, such as credit building.

If you do not yet fall into the required range, perhaps consider starting off using another card until you have built up a more substantial credit score.

What is the highest credit limit for Capital One Venture X?

According to some sources, approvals of sums up to $75,000 have been reported in regard to the Capital One Venture X, but as yet there is no official maximum limit known.

As is the case with all Visa Infinity cards, the minimum credit limit is $10,000.

What is the difference between Capital One Venture and Capital One Venture X?

There are a number of differences between the Capital One Venture and Capital One Venture X credit cards.

Primary ways in which the Venture differs from the Venture X are listed below:

  • 2 miles per dollar of every purchase made
  • 5 miles per dollar spent on hotel or rental car bookings made through Capital One travel
  • No cell phone insurance
  • Less airport lounge options, holders only being allowed in Capital One lounges
  • Annual fee is lower
  • No company-specific rental car benefits as with the Venture X

Is a Capital One Venture X hard to get?

The Capital One Venture Card X may be considered hard to get. It depends on your financial situation and credit history. For those who can easily offset the annual fee and have the required credit score of 720-850, it may not seem so daunting.

However, for those with poor credit history, as well as anyone who cannot afford the annual $395 fee, this card could be hard to get. For those who do not travel regularly and won’t be able to take advantage of the travel rewards this card offers, it probably isn’t worth it either.

Is the Capital One Venture X Worth It?

For travelers who prefer to sort everything out through a single booking portal, and earn benefits that way, the Capital One Venture X is definitely worth it.