Capital One Venture X Rewards Credit Card
- Best for: Frequent travelers who’ll book at least $300 a year through Capital One Travel
- What Sets It Apart: $300 yearly travel credit and 10,000 anniversary miles worth $400 toward travel, more than the $395 fee
- Cost: $395 annual fee; no foreign transaction fees; 19.74%, 24.74%, or 28.74% variable APR
- Features: 75,000 bonus miles after $4,000 in purchases in 3 months; 2X miles on all purchases; 5X on Capital One Travel flights and vacation rentals; 10X on Capital One Travel hotels and rental cars; up to $120 back for Global Entry or TSA PreCheck every 4 years
- Pros: Lounge access for the primary cardholder at Capital One Lounges and Priority Pass lounges; miles worth 1 cent each toward travel; transfers to more than 15 airline and hotel programs
- Cons: Travel credit works only on Capital One Travel bookings and expires each year; lounge guests cost $45 per adult at Capital One Lounges and $35 at Priority Pass; $125 a year for each authorized user’s lounge access
Get the Capital One Venture X if you’ll use its $300 yearly credit on trips booked through Capital One Travel, the issuer’s booking site. That credit plus 10,000 bonus miles on each account anniversary is worth $400 toward travel, more than the $395 fee, so you get lounge access and 2X miles on every purchase at no net cost.
The Venture X, Capital One’s premium travel card, suits people who take several trips a year, since most of its perks beyond the 2X miles pay off only when you travel.
Key Features
- $395 annual fee and a variable interest rate (APR) of 19.74%, 24.74%, or 28.74%, depending on your credit
- 2X miles on all purchases, 5X on Capital One Travel flights and vacation rentals, and 10X on Capital One Travel hotels and rental cars
- Miles worth 1 cent each toward travel, or transferable to more than 15 airline and hotel programs, most of them mile for mile
- 75,000 bonus miles, worth $750 toward travel, after you spend $4,000 in the first 3 months
- $300 Capital One Travel credit every year and 10,000 bonus miles on each account anniversary
Pros
- $300 credit and 10,000 anniversary miles worth $400 toward travel, $5 more than the $395 yearly fee
- Lounge access for the primary cardholder at Capital One Lounges and 1,300+ Priority Pass lounges
- Up to $120 back for Global Entry or TSA PreCheck every 4 years
- No foreign transaction fees
- Up to $800 in cell phone protection when you pay your phone bill with the card
Cons
- The $300 credit works only on Capital One Travel bookings and expires on each account anniversary
- Capital One Lounge guests cost $45 per adult, with up to two free once you spend $75,000 in a calendar year
- Priority Pass guests cost $35 each per visit
- Lounge access for each authorized user costs $125 a year
Apply if you’ll book at least $300 of travel a year through Capital One Travel. Even at $200 a year, the credit and anniversary miles cut the Venture X’s cost to the Capital One Venture’s $95 fee for the same 2X miles, so pick the Venture only if you’d book less and skip lounges.
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