Venture X Rewards Credit Card

Venture X Rewards

Last Updated: 02/27/2026

Rating
4.3 / 5
Sign Up Bonus
75,000 Points
Annual Fee
$395
Credit Score
Very Good

Summary

Sign-Up Bonus
3.5
Spending Multipliers
5
Credits & Features
5
Fees
3
Application
5
Issuer
NaN

The Capital One Venture X Rewards Credit Card is a premium travel credit card designed for frequent travelers who want luxury perks, flexible rewards, and statement credits that can easily offset the annual fee. With a generous $300 annual travel credit (booked through Capital One Travel) and 10,000 anniversary bonus miles each year, cardholders can effectively cover much of the cost of ownership, making it ideal for travelers who take at least one or two trips annually. The card earns an unlimited 2x miles on every purchase, making it a strong catch-all option for everyday spending, and it charges no foreign transaction fees, which is perfect for international travel. Additional premium benefits include airport lounge access, a $120 Global Entry or TSA PreCheck credit every four years, Hertz President’s Circle status, cell phone protection, auto rental collision coverage, and experience credits through the Premier and Lifestyle Collections when booking eligible stays. However, the annual fee is not waived the first year, and maximizing elevated earning rates and certain credits requires booking through the Capital One Travel portal—so this card is best suited for organized travelers who are comfortable using a travel portal to extract maximum value.

Pros

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Credits to cover the annual fee
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No foreign transaction fee
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Cell phone protection
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2x catch all category

Cons

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Annual fee not waived in the first year
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Elevated spending categories and some credits require use of Capital One Travel portal

Issuer

Spending Multipliers

Credits & Features

$300 annual travel credit
10,000 annual anniversary miles
$100 experience credit for each stay from the Premier Collection
$50 experience credit for each stay from the Lifestyle Collection
$120 credit for Global Entry or TSA PreCheck every 4 years
Lounge access
Hertz President’s Circle status
Complimentary PRIOR Subscription
Auto rental collision coverage

Application

  • Capital One has a strict 1/6 rule, meaning you can only apply for 1 Capital One card every 6 months
  • Consider having at least a credit history for 3 year
  • Capital One usually pulls from all 3 major credit bureaus
  • See if you are pre-approved before applying
  • Capital One states that for excellent credit, you may never have declared bankruptcy or defaulted, not been more than 60 days late on a payment, and have a credit history of 3+ years with a limited of $5,000+

Fees

  • $395 Annual Fee
  • No Foreign Transaction Fee
  • Up to $40 late fee
  • 19.49% - 28.49% Variable APR
  • 28.49% APR for Cash Advance
  • $5 or 5% of each cash advance amount (whichever is greater)
  • 19.49% - 28.49% APR for Balance Transfer
  • 4% of each transfer amount
See Full and Updated Rate & Fee Schedule During Application Process