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Capital One Venture X

Issued by Capital One

10x hotels & rental cars, 5x flights via Capital One Travel, 2x everything else — plus 75,000 miles after $4,000 spend in 3 months (~$750 in travel).

At a Glance

Annual Fee

$395

Purchase APR

19.74%–28.74%

Rewards Rate

10x hotels & rental cars, 5x flights via Capital One Travel, 2x everything else

Credit eligibility

Issuer review required; no guaranteed score cutoff

Sign-Up Bonus

75,000 miles after $4,000 spend in 3 months (~$750 in travel)

Rates & Fees

Annual Fee

$395

Purchase APR

19.74%–28.74% variable

Foreign Transaction Fee

None

Balance Transfer Fee

No promotional balance transfer offer typically advertised; confirm current terms

Cash Advance Fee

Up to 5% or $10 minimum, whichever is greater

Late Payment Fee

Up to $41

Detailed comparisons

Venture X vs. Sapphire Reserve

Compare fees, credits, earning, and lounge access.

Best Travel Cards of 2026

See Venture X in the broader travel-card field.

Estimate Your Rewards

See how this card fits your monthly spending

Enter your typical monthly spend by category to see roughly what the Capital One Venture X would earn you per year (this doesn't include any one-time sign-up bonus).

Assumes steady monthly spending at eligible merchants. Portal-only, selected and rotating bonuses are excluded unless explicitly modeled. Statement credits and welcome bonuses are excluded. Points use an assumed value of 1¢ each; actual redemption value varies.

$/mo
$0/mo$1,500/mo
$/mo
$0/mo$1,500/mo
$/mo
$0/mo$1,500/mo
$/mo
$0/mo$1,500/mo
$/mo
$0/mo$1,500/mo
$/mo
$0/mo$3,000/mo

Note: The 10x (hotels/rental cars) and 5x (flights) rates apply only when booked through Capital One Travel; other travel purchases earn the 2x base rate used here.

Est. Annual Rewards

$468/yr

After $395 Annual Fee

$73/yr

Based On

$1,950/mo

Key Features

$300 annual Capital One Travel credit

Global Entry/TSA PreCheck credit — confirm the current reimbursement limit

Primary-cardholder Capital One and participating Priority Pass lounge access; guest/additional-cardholder rules apply

Pros & Cons

Pros

  • $395 fee effectively offset by credits
  • 10,000 bonus miles each anniversary
  • Strong lounge access network

Tradeoffs

  • Travel credit requires booking via Capital One portal
  • Miles have less flexibility than Chase/Amex

How to Apply

Check Capital One's eligibility information and any prequalification option. A credit score alone does not establish approval; income, debt and credit history also matter.

Gather your Social Security number, annual income, housing payment, and employer details before starting the application.

Apply directly through Capital One's official site or app to make sure you're getting current, accurate offer terms.

Most issuers give an instant decision online; some applications are sent to manual review, which can take 7–10 business days.

If approved, activate the card and set up autopay before your first statement is due to avoid a late payment.

How It Compares

Current product highlighted
ProductAnnual FeePurchase APRRewards Rate
Capital One Venture X$39519.74%–28.74%10x hotels & rental cars, 5x flights via Capital One Travel, 2x everything else
Chase Sapphire Preferred®$9519.49%–27.74%5x Chase Travel, 3x dining, gas/EV charging, online grocery, streaming & vacation rentals, 2x other travel
Chase Sapphire Reserve®$79519.74%–28.24%8x Chase Travel, 4x direct flights/hotels, 3x dining, 1x other purchases
Citi Strata Premier® Card$9520.24%–28.24%10x hotels, car rentals & attractions via CitiTravel; 3x restaurants, supermarkets, gas & air travel

Frequently Asked Questions

What credit score do I need for the Capital One Venture X?

We do not have a verified universal minimum score for the Capital One Venture X. Capital One evaluates your application and credit profile, including income and debt. Check the current eligibility terms; a particular score does not guarantee approval or a credit limit.

What's the annual fee on the Capital One Venture X?

The Capital One Venture X carries a $395 annual fee. Whether that's worth it depends on how much value you get from its rewards rate and included perks each year.

Does the Capital One Venture X have a sign-up bonus?

Our reference snapshot lists: 75,000 miles after $4,000 spend in 3 months (~$750 in travel). This is not confirmation that the offer remains available. Check the current offer, eligibility and spending deadline on Capital One's site before applying.

What fees should I watch for on the Capital One Venture X?

Beyond the annual fee, check the foreign transaction fee (None), balance transfer fee (No promotional balance transfer offer typically advertised; confirm current terms), cash advance fee (Up to 5% or $10 minimum, whichever is greater), and late payment fee (Up to $41). These matter most if you carry a balance, transfer debt, or use the card internationally.

How does the Capital One Venture X compare to similar cards?

The Capital One Venture X is one of several travel cards worth comparing side by side — see the "How It Compares" table on this page for a few close alternatives, or browse the full list of travel cards for more options.

Other Credit Cards

Chase Sapphire Preferred®

5x Chase Travel, 3x dining, gas/EV charging, online grocery, streaming & vacation rentals, 2x other travel

Chase Sapphire Reserve®

8x Chase Travel, 4x direct flights/hotels, 3x dining, 1x other purchases

Citi Strata Premier® Card

10x hotels, car rentals & attractions via CitiTravel; 3x restaurants, supermarkets, gas & air travel

Rates, fees, and rewards shown are illustrative as of 2026 and subject to change — always confirm current terms directly with the issuer before applying.

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