Earn more than $400 in value each year with Capital One’s first luxury travel card.
The Venture X is a travel card from Capital One and the first luxury travel card offered by the provider. It earns 10x miles on hotel and rental car purchases booked through Capital One Travel, a flat 2x miles on all purchases and 5x miles on flights booked through Capital One Travel. The card also comes with a welcome offer of 75,000 bonus miles after you spend $4,000 on purchases within your first 3 months of account opening, and a bevy of travel perks to help offset the card’s $395 annual fee.
When you look at the Venture X against Capital One’s other travel card options, the Venture X stands in a league of its own. It earns comparable flat miles to the Venture Rewards, but offers additional earning categories as well as additional perks you won’t find on the Venture.
The card offers up to a $300 annual statement credit for bookings made on Capital One Travel for example and also offers a 10,000 mile bonus each account anniversary. The card also offers access to Capital One Lounges as well as up to a $100 credit toward TSA PreCheck or Global Entry.
As long as you’re traveling reliably and booking through Capital One, this card pays for itself each year with hardly any effort. The question then is how does the Venture X stand against the other luxury cards on the market? The Venture X seems to play it on the safe side: technically speaking, every luxury travel card on the market can pay for itself through perks, so it comes down to how easily you can pay off that annual fee and how much you enjoy those specific perks.
There’s no question that the Chase Sapphire Reserve® and The Platinum Card® from American Express both offer more perks than the Venture X, but the Venture X is much less expensive and much easier to pay off through light travel. Capital One also has its own collection of travel partners that you can transfer points to, though not all transfer partners allow a 1:1 ratio.
On the whole, the Venture X is a terrific and much-needed addition to the Capital One travel lineup, allowing it to compete on the luxury travel market while offering additional value to consumers.
finder.com's rating: 4.6 / 5.0
★★★★★
| Annual fee | $395 |
| Welcome offer | 75,000 miles after you spend $4,000 in your first 3 months of account opening |
| Rewards | 2X miles on every purchase, every day, 10X miles on hotels and rental cars booked through Capital One Travel, 5X miles on flights booked through Capital One Travel |
| Purchase APR | 19.99% - 29.99% variable |
| Balance transfer APR | 19.99% - 29.99% variable Balance Transfer Fee applies to balances transferred at a promotional rate (0% at the Transfer APR, 4% of the amount of each transferred balance that posts to your account at a promotional APR that Capital One may offer to you) |
| Minimum credit score | 740 |
| Issuer | Visa |
| Balance transfer fee | Balance Transfer Fee applies to balances transferred at a promotional rate (0% at the Transfer APR, 4% of the amount of each transferred balance that posts to your account at a promotional APR that Capital One may offer to you) |
| Cash advance rate | 29.99% variable |
| Cash advance fee | $5 or 5% of the cash advance amount, whichever is greater |
| Cash advance fee description | 5% of the amount of the cash advance, but not less than $5 |
| Foreign transaction fee | None |
| Interest free period | Up to 25 days |
| Late payment fee | Up to $40 |
| Security deposit | N/A |
| Rates & fees | Terms apply, see rates & fees |
Apply for the Venture X by doing the following.
Compare the Venture X Card side-by-side with Capital One Venture Rewards Credit Card and Capital One VentureOne Rewards Credit Card.
Capital One Venture X Rewards Credit Card |
Capital One Venture Rewards Credit Card |
Capital One VentureOne Rewards Credit Card |
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★★★★★ |
★★★★★ |
★★★★★ |
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Minimum credit score 740 |
Minimum credit score 670 |
Minimum credit score 670 |
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Annual fee $395 |
Annual fee $95 |
Annual fee $0 |
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Purchase APR 19.99% - 29.99% variable |
Purchase APR 19.99% - 29.99% variable |
Purchase APR 0% intro |
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Balance transfer APR 19.99% - 29.99% variable Balance Transfer Fee applies to balances transferred at a promotional rate (0% at the Transfer APR, 4% of the amount of each transferred balance that posts to your account at a promotional APR that Capital One may offer to you) |
Balance transfer APR 19.99% - 29.99% variable Balance Transfer Fee applies to balances transferred at a promotional rate (0% at the Transfer APR, 4% of the amount of each transferred balance that posts to your account at a promotional APR that Capital One may offer to you) |
Balance transfer APR 19.99% to 29.99% variable Balance transfer fee applies (3% for the first 15 months; 4% at a promotional APR that Capital One may offer you at any other time) |
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Rewards Up to 10x miles |
Rewards Up to 5x miles |
Rewards Up to 5x miles |
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Welcome offer 75,000 miles after you spend $4,000 in your first 3 months of account opening |
Welcome offer Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel |
Welcome offer 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel |
Compare even more credit cards
The Venture X is relatively new to the market and it’ll take some time before customers get their hands on this piece of plastic and run it through its paces. Capital One is however listed on Better Business Bureau and Trustpilot, both of which rate an organization based on customer experience and reviews.
| PROVIDER | BETTER BUSINESS BUREAU | TRUSTPILOT |
|---|---|---|
| Capital One | A- | 1.3 |
Capital One’s Venture X is an excellent addition to Capital One’s travel lineup and in combination with changes to the provider’s travel partner transfer ratios seems to point toward a greater focus on travel benefits for its customers.
It offers the level of value you’d expect from a luxury travel card offering while maintaining a lower annual fee than its competitors. That makes this a great card for those who travel often but don’t necessarily feel compelled to push the limits of a card’s perks. But if this card doesn’t quite hit the mark for your needs, compare your travel card options to find one that best fits.
★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
Our team evaluates credit cards to determine their value against similar cards on the market.
We rank card types — travel, cash back, business — on a set of factors that are most relevant to that type of card. We create these rankings to help you narrow down a credit card that best suits your spending and budget.
Steven Finder
Senior writer
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