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Capital One Venture X review

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Advertiser Disclosure

Annual Fee
$395.00
Interest Rate: Purchases
18.49% ‐ 25.49% (Variable)
Interest Rate: Purchases
18.49% ‐ 25.49% (Variable)
Balance Transfer
18.49% ‐ 25.49% (Variable)
Balance Transfer
18.49% ‐ 25.49% (Variable)
Rewards
2 - 10 Miles
Rewards
2 - 10 Miles
Signup Bonus
75000 miles (after spending $4,000)
Signup Bonus
75000 miles (after spending $4,000)


9/10
Informr score
The Capital One Venture X currently has an Informr score of 9 out of 10. This score is based on our evaluation of 24 sources including reviews from users and the web's most trusted critics.

Am I eligible?


Capital One Venture X is typically available to those with excellent credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


Upgraded Points
Upgraded Points

The CapOne Venture X card offers plenty of great perks and the lowest annual fee among all premium credit cards. That said, the 2 major bonus categories on the card require you to make your travel bookings through Capital One Travel. So as long as that is fine with you, then the CapOne Venture X car...

- Jarrod West, Upgraded Points
U.S. News
U.S. News

The Capital One Venture X Rewards Credit Card charges a hefty $395 annual fee, but frequent travelers who use the Capital One Travel site can earn more than enough in rewards to make up for it.

- Melanie Pincus, U.S. News
Cnet
Cnet

This type of card is designed for frequent travelers who can take advantage of travel-related perks like airport lounges, TSA Precheck or Global Entry, and other travel upgrades and credits often enough to make the high annual fee worth it. The Venture X is positioned as the most affordable of these...

- Joe Van Brussel, Cnet
Forbes
Forbes

If you already have an Amex Platinum or Chase Sapphire Reserve in your wallet, come renewal time take a hard look at the Venture X. For a significantly lower annual fee, you get many of the same benefits as other premium travel credit cards. Even better, the Venture X sheds many of the hassles Amex...

- Dia Adams, Forbes
MyBankTracker
MyBankTracker

The Capital One Venture X Rewards Credit Card is suited for earning unlimited travel miles with minimal hassles. You may want to choose a different card if you'd prefer to earn points or you want to earn rewards with a specific hotel or airline loyalty program. But overall, this card offers some exc...

- Rebecca Lake, MyBankTracker

Details


Interest Rates
Regular APR Interest Rate 18.49% ‐ 25.49% (Variable)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 18.49% ‐ 25.49% (Variable)

This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate 25.49% (Variable)

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $395.00
Balance Transfer Fee $0.00
Cash Advance Fee 3%

Minimum of $10

Foreign Transaction Fee $0.00
Over Limit Fee $0.00
Late Payment Fee $40.00

Maximum

Promotions
Sign up bonus 75000 miles after spending $4,000

On purchases within the first 3 months

Rewards
All Purchases 2 miles for $1 spent
Restaurants No
Gas No
Groceries No
Hotels 10 miles for $1 spent

If booked through Capital One Travel

Travel 5 miles for $1 spent

If booked through Capital One Travel

Pharmacy No
Bills No
Additional Details
  • Earn 10 miles per $1 spent on rental cars booked through Capital One Travel
  • 10,000 bonus miles every year starting on your first anniversary
Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance Yes
Car Rental Insurance Yes
Car Rental Discount No
Extended Warranty Yes
Purchase Protection No
Zero Liability Yes
No Foreign Transaction Fees Yes
Emergency Assistance Yes
Concierge Service No
Price Protection No
Fraud Protection Yes
Free Credit Scores Yes
Wireless Payments Apple Pay, Samsung Pay, Google Pay
Virtual Cards Yes
Additional Benefits
  • Get up to $200 in statement credits for vacation rentals charged to your account within your first year
  • Receive up to $300 in statement credits when booking through Capital One Travel.
  • Priority Pass lounge access with up to 2 guests
  • Complimentary access to Capital One Lounges
  • Receive up to $100 credit on Global Entry or TSA PreCheck®
  • Complimentary Hertz President’s Circle status
  • Return Protection
  • Cell Phone Protection
  • Capital One Travel
Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents Yes
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Additional comments


Terms & Conditions Official Terms & Conditions
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