About Capital One Venture X Rewards Credit Card
The Capital One Venture X is a premium travel-focused
rewards credit card with a $395 annual fee. It offers generous benefits
designed for frequent travelers, including elevated earning rates, lounge
access, and travel credits that help offset its cost.
Quick Overview
Current Welcome Offer: 75,000 Bonus Miles
New cardholders can earn 75,000 bonus miles after
spending $4,000 on purchases within the first three months of
account opening—an offer still active as of mid-2025.
- Travel
Credit Value: When redeemed directly for travel purchases, those miles
are worth approximately $750.
- Transfer Value: If transferred strategically to airline or hotel loyalty programs, they may yield an estimated value between $1,300 to $1,700.
Direct Link To Offer
- Immediate
Value: Easily recoup your annual fee through the total bonus value—you
could receive more than $1,000 in travel credit or transfer value in your
first year.
- Top-Tier
Perks: Added ongoing benefits include:
- $300
annual travel credit through Capital One Travel
- 10,000
bonus miles each anniversary year
- Airport
lounge access (Capital One Lounges, Priority Pass)
- Elite
travel perks like TSA PreCheck/Global Entry fee credit, rental car
protections, purchase security, and phone protection
Pros
- Strong
Earning Structure
- Up
to 10× miles on hotels & rental cars via Capital One Travel
- 5×
miles on flights and vacation rentals via Capital One Travel
- 2×
miles on all other purchases
- Flexible
Redemption Options
- Redeem
at 1¢ per mile for statement travel purchases
- Transfer
to 15+ airline and hotel partners at generally 1:1 ratios
- Valuable
Ongoing Perks
- $300
travel credit through Capital One Travel
- 10,000
annual anniversary miles
- TSA
PreCheck/Global Entry fee credit (up to $120)
- Lounge
access (Capital One and Priority Pass)
- Travel
protections, purchase protections, cell phone coverage, no foreign
transaction fees
- High
First-Year Value
- Between
bonus miles, credits, and perks—this card can easily deliver over $1,000
in value in the first year, well above the $395 fee.
Cons
- Annual
Fee of $395
- While
offset by perks and credits, you must be prepared to pay this upfront.
- Spending
Threshold
- The
$4,000 spend in 3 months requirement is “all or nothing” and may be steep
for some households.
- Approval
May Be Selective
- Capital
One is known for stringent credit checks. You’ll need strong credit
(often recommended FICO ≥760) and a clean recent application history.
- Lounge
Guest Restrictions Coming
- Starting Feb. 1, 2026, guests may no longer have complimentary lounge access (cardholder only) — lowering the benefit for those who travel with companions.
Summary at a Glance
Feature | Details |
Welcome Bonus | 75,000 miles after $4,000 in 3 months |
Estimated Value | $750 (statement travel) to $1,300–$1,700 (transfers) |
Annual Fee | $395 |
Key Perks | $300 travel credit, 10,000 anniversary miles, lounge access, TSA/Global Entry credit, travel & purchase protections |
Earning Rates | Up to 10× (hotels/rentals), 5× (flights/vacation rentals), 2× (others) |
Ideal For | Frequent travelers with strong credit, who can meet the spend and use perks |
Review
The Capital One Venture X card’s 75,000-mile welcome
bonus, in conjunction with its rich suite of travel benefits—airport lounge
access, travel credits, strong earning rates, and flexible redemptions—makes it
one of the most compelling premium travel cards for U.S. travelers as of
mid-2025.
If you’re confident in meeting the spend and can leverage the perks fully, this card offers exceptional value—often exceeding $1,000 in benefits during the first year.