Capital One Venture X Rewards
Editor reviewed$395 premium travel card that nearly pays for itself in credits and miles
Rates verified July 23, 2026Apply nowTracked since2026
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The Bottom Line
Annual fee
$395
Biggest pro
Effectively costs about $0 after the credit and anniversary miles
Biggest con
$300 credit locked to the Capital One Travel portal
At a glance
Rates verified July 23, 2026- Annual fee
- $395
- Rewards
- 2x everything, 10x hotels/rental cars and 5x flights via Capital One Travel
- Welcome bonus
- 75,000 miles after $4,000 in 3 months
- Regular APR
- 19.49%-28.49% variable
- Recommended credit
- excellent (740+)
- Issuer
- Capital One
- Network
- Visa (Infinite)
Is it worth it?
Breaks even once rewards top $395 a year
The $395 annual fee pays for itself once your rewards pass $395 in a year. The welcome bonus (75,000 miles after $4,000 in 3 months) alone typically covers the first few years of the fee. If you would not clear the fee in rewards, a no-annual-fee card usually wins.
What is Capital One Venture X Rewards?
The premium card that math-minded people keep: $395 in, roughly $400 back. Between the $300 annual Capital One Travel credit and 10,000 anniversary miles, the effective cost lands near zero, which makes it the cheapest real premium travel card on the market.
The annual fee is $395 with a regular APR of 19.49% to 28.49% variable. Earning: 2x miles on everything, 10x on hotels and rental cars and 5x on flights booked via Capital One Travel. The welcome bonus is 75,000 miles after $4,000 in 3 months; the 100k offer with a $10,000 requirement expired January 5, 2026. Lounge access spans 1,300+ lounges including Capital One Lounges and Priority Pass, and authorized users are free.
The catch: the $300 credit is locked to the Capital One Travel portal, and the lounge network is thinner than Amex's or Chase's.
Pros & Cons
Pros
- Effectively costs about $0 after the credit and anniversary miles
- Free authorized users
- Cheapest real premium card
Cons
- $300 credit locked to the Capital One Travel portal
- Lounge network thinner than Amex or Chase
Key details
2x miles on every purchase10x on hotels and rental cars via Capital One Travel5x on flights via Capital One Travel$300 annual Capital One Travel credit10,000 anniversary miles1,300+ lounges including Capital One Lounges and Priority PassFree authorized users
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Capital One Venture X Rewards FAQ
What is the annual fee on the Venture X?
$395 per year, largely offset by the $300 annual Capital One Travel credit and 10,000 anniversary miles.
What is the current welcome bonus?
75,000 miles after spending $4,000 in the first 3 months. The 100,000-mile offer with a $10,000 requirement expired January 5, 2026.
What credit score do you need?
Excellent credit, roughly 740 or higher.
Source: capitalone.com