Capital One Venture X Rewards Credit Card
Premium travel card with simple earning, rich credits, and real lounge access. If you book through Capital One Travel and fly a few times a year, this is an easy long-term keeper.
Card Details
- Annual fee: $395.
- Earning: 10x on hotels & rental cars via Capital One Travel; 5x on flights via Capital One Travel; 2x on everything else.
- Yearly value: Up to $300 Capital One Travel credit + 10,000 anniversary miles each year you renew.
- Lounge access: Capital One Lounges + Priority Pass for the primary cardholder. (Priority Pass covers lounges only—no restaurant/dining credits.)
- TSA PreCheck / Global Entry credit: Up to $120 every 4 years.
- Cell phone protection: Up to $800 per claim, max 2 claims/12 months, $50 deductible (pay your wireless bill with the card).
- Protections (highlights): Trip cancellation/interruption & delay, primary rental car damage waiver, baggage delay/loss, purchase security, extended warranty (see your Guide to Benefits).
- Authorized users: Add up to 4 AUs for $0 (see lounge note below).
- Foreign transaction fees: None.
- Network: Visa Infinite.
Premium Benefits (why people keep this card)
- $300 annual travel credit through Capital One Travel.
- 10,000 anniversary miles every year you keep the card.
- Capital One + Priority Pass lounge access for the primary cardholder.
- Hertz President’s Circle status (enrollment required).
About The Card
Venture X is built to be easy: strong flat-rate earning everywhere, boosted earn in the Capital One Travel portal, and credits that reliably offset the fee. The lounge coverage and built-in protections round out the “premium” feel without getting complicated. Use the $300 travel credit each year and collect the 10k anniversary miles—those two alone can cover most of the annual fee before you even count the miles you earn at 2x/5x/10x.
Qualifications (what to know before you apply)
- Credit needed: Typically aimed at excellent credit profiles.
- Capital One quirks (unofficial but common): Often pulls multiple bureaus; commonly limits approvals to about one new Capital One card every ~6 months; personal card slots are limited.
Pros
- $300 travel credit + 10k anniversary miles = easy long-term value if you travel.
- Real lounge coverage (Capital One + Priority Pass) for the primary cardholder.
- Simple earning (2x everywhere; more via portal) and 1:1 transfers to many partners.
- Strong travel protections and primary rental car coverage.
- No foreign transaction fees and built-in cell phone protection.
Cons
- Best value assumes you’ll use Capital One Travel for the $300 credit and boosted earn rates.
- Lounge policy tightens Feb 1, 2026: complimentary guesting ends; Priority Pass guests become paid; authorized-user lounge access becomes a paid add-on per AU per year.
- Capital One approvals can be strict and unpredictable.
Is this card for me?
Pick Venture X if you book at least some travel each year, want straightforward earning with transferable miles, and you’ll use the lounge access, protections, and cell phone coverage. If you rarely travel or won’t use Capital One Travel for the annual credit, a lower-fee card may fit better.
Capital One Transfer Partners (Personal Cards)
Ratios shown; transfers are one-way and final. Typical speeds vary by partner.
Program | Type | Transfer Ratio | Typical Speed |
Air Canada Aeroplan | Airline | 1:1 | Usually instant |
Air France–KLM Flying Blue | Airline | 1:1 | Usually instant |
Avianca LifeMiles | Airline | 1:1 | Usually instant |
British Airways Executive Club (Avios) | Airline | 1:1 | Usually instant |
Cathay Pacific Asia Miles | Airline | 1:1 | 24–48 hrs |
Emirates Skywards | Airline | 1:1 | 1–2 days |
Etihad Guest | Airline | 1:1 | ~24 hrs |
Finnair Plus | Airline | 1:1 | ~24 hrs |
Iberia Plus (Avios) | Airline | 1:1 | 24–72 hrs |
Qantas Frequent Flyer | Airline | 1:1 | 1–2 days |
Qatar Airways Privilege Club (Avios) | Airline | 1:1 | Usually instant |
Singapore Airlines KrisFlyer | Airline | 1:1 | 24–48 hrs |
TAP Air Portugal Miles&Go | Airline | 1:1 | 1–2 days |
Turkish Airlines Miles&Smiles | Airline | 1:1 | 24–48 hrs |
Virgin Red (Virgin Atlantic) | Airline | 1:1 | Usually instant |
EVA Air Infinity MileageLands | Airline | 2:1.5 | 1–3 days |
Choice Privileges | Hotel | 1:1 | Usually instant |
Wyndham Rewards | Hotel | 1:1 | Usually instant |
Accor Live Limitless (ALL) | Hotel | 2:1 | 1–2 days |
I Prefer Hotel Rewards | Hotel | 1:2 | 1–2 days |
Lounge Policy Changes (Effective Feb 1, 2026) — Snapshot
- Priority Pass: No complimentary guests (guests become paid).
- Capital One Lounges/Landings: Complimentary guesting ends; paid guesting applies (issuer may tie limited complimentary guesting to spend thresholds).
- Authorized users: Free lounge access ends; you can add lounge privileges to an AU for a paid annual add-on per AU.
