Writer: Erica Sandberg
Editor: Jon McDonald
Reviewer: Ashley Fricker
Disclosure: When you apply through links on our site, we may earn a referral fee from our partners. For more, see our ad disclosure and review policy.
With so many credit cards on the market, it’s easy to get flummoxed choosing the “best” one. Even I, someone who has been in the credit card reporting business for over 15 years, can get overwhelmed with all the options! To cut through the noise, you need to review the card’s benefits and decide if its value exceeds the annual fee.
If you’re like me, you may even consider upgrading to a premium card offered by your current issuer. For example, I have the Capital One Venture Rewards Credit Card and use it often, but that doesn’t mean I haven’t thought about switching to the Capital One Venture X Rewards Credit Card.
After all, this reward-heavy travel card comes with a host of compelling features that aren’t included in my account, and when combined, they far exceed the cost of the card.
One of the benefits that makes applying for (or switching to) the Capital One Venture X Rewards Credit Card enticing is access to airport lounges. You know, those sweet respites set aside at airports that provide travelers with everything from free food and beverages to a quiet place to rest or work.
If a lot of flying is in your future, that alone can make the Capital One Venture X Rewards Credit Card worth the $395 annual fee. And if you’re planning on robust card spending, the card allows you to earn miles quickly. That puts more money in your pocket when you’re ready to redeem those rewards.
So, if I’m tempted to shift into higher gear with the Capital One Venture X Rewards Credit Card, after reading about what you get with the account, you may be too. Here’s why.
Premium Benefits For a Modest Annual Fee
At the time of this review, I can score 75,000 miles as a welcome bonus (and be gifted another 10,000 on each anniversary of opening the account). And I would also continue to earn miles as I charge.
With the Capital One Venture X Rewards Credit Card, you can profit no matter where (or what) you purchase. The rewards rate never dips below 2X, which is a substantial baseline. A regular $250 weekly supermarket haul will generate 2,000 miles a month, worth at least $20.
But remember, this is a travel card, so the rewards ramp up for certain types of purchases. When you book flights and vacation rentals through Capital One Travel, you can earn 5X miles. You’ll also earn the same rate when I buy tickets to concerts and sporting events through Capital One Entertainment.
If you booked a $4,000 vacation using the card, those charges would net you 20,000 miles, equaling about $200 in value.
- Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
- Receive a $300 annual credit for bookings through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options
- Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
- Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals booked through Capital One Travel
- Earn unlimited 2X miles on all other purchases
- Enjoy access to 1,300+ lounges worldwide, including Capital One Lounge and Landing locations and participating Priority Pass™ lounges, after enrollment
- Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
- Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
- Receive up to a $120 credit for Global Entry or TSA PreCheck®
- Top rated mobile app
You can earn even more miles when you book hotels and rental cars through Capital One Travel, since you’ll get 10X miles on those purchases. Here’s the math:
The price for a 10-day resort vacation plus a rental car can easily be $3,000, but if you book everything through the travel portal, Capital One will add 30,000 miles to your rewards account. That translates to a minimum of $300 in future travel redemption rewards.
If you qualify for the Capital One Venture X Rewards Credit Card, you can also earn miles for sharing the love with up to four people a year. You’ll receive 25,000 bonus miles for each approved applicant you refer, giving you the ability to earn up to 100,000 additional miles per calendar year.
When faced with a big annual fee, it’s important to subtract any credits the card comes with to calculate the true cost. And the Capital One Venture X Rewards Credit Card offers a couple of interesting credits that can substantially lower the annual fee’s impact.
Every year, cardholders are eligible for a $300 travel credit. To use it, you can book a trip through Capital One Travel. Super simple. If you do that, your effective annual fee drops dramatically.
Cardholders also get $120 statement credit to cover the cost of either TSA PreCheck® (which makes going through the security line faster) or Global Entry (to speed you through customs when you’re returning from a trip abroad). All told, the value of the travel credit and statement credit for TSA PreCheck or Global Entry eclipses the annual fee altogether.
Elite Travel Perks for Any Type of Getaway
I’m hardly alone in my passion for airport lounges. These special areas located inside the airport can definitely make travel far more pleasant — and even economical.
The Capital One Venture X Rewards Credit Card gives cardholders entry into Capital One Lounges, which are currently located in New York (JFK), Las Vegas (LAS), Washington D.C. (IAD), Denver (DEN), and Dallas-Fort Worth (DFW).
Not only can cardholders eat and drink at no extra cost, but they also have access to refined relaxation and fitness rooms, quiet workspaces, and even shower suites to freshen up.
Capital One Landing is also included with this card. These free dining options currently have locations in Washington D.C (DCA) and New York City (LGA). The primary cardholder enjoys unlimited complimentary access for themselves and a guest. Because a meal for two at an airport can easily run over $50, the value of that benefit alone adds up quickly.
So if these airports aren’t on your route, does that mean you’re out of luxury luck? Not at all. The world of airport lounges is available to you with the Capital One Venture X Rewards Credit Card because it also offers free enrollment in Priority Pass.
This is a membership-based network of over 1,700 airport lounges, so you’ll likely find one no matter where you’re flying.
If I use Priority Pass lounges regularly, and the Capital One Venture X Rewards Credit Card’s yearly fee more than pays for itself, especially considering annual Priority Pass membership dues can be as high as $469.
Accommodations
The rockstar travel treatment continues with Capital One’s Premier Collection. Through the portal, you can find a wide span of high-end properties throughout the world, from hotels and resorts to vacation rentals.
Cardholders receive a $100 experience credit to use during their stay, too, which can apply to things like dining and spa treatments.
You can also get a room upgrade when available, early check-in and late check-out, daily breakfast for two, and free wifi.
Oh, and you can even stay a night free when you book at least four nights.
No foreign transaction fee
Never travel to a country without a card that waives foreign transaction fees. If you don’t, you’ll pay between 1% to 3% on each card transaction you make.
The Capital One Venture X Rewards Credit Card was designed for travel, so you can be sure that you won’t be charged any foreign transaction fees.
Price protection
I highly recommend taking advantage of Capital One’s free price drop protection. When you reserve a flight with your card and book it when Capital One recommends, you’ll get up to $50 in travel credit if the price drops within 10 days.
Having just earned that credit for a recent round-trip from San Francisco to San Diego, I know it works like a charm.
Capital One will also match prices. If you find a better deal on a flight, hotel, or rental car, than what is offered on Capital One Travel, let them know within 24 hours of booking. You’ll receive a travel credit for the difference.
Insurance policies
If you charge a car rental to your Capital One Venture X Rewards Credit Card, you may want to skip buying insurance through the rental company because coverage comes with the account.
As fun as travel can (or, rather, should) be, problems often arise. To reduce stress, the Capital One Venture X Rewards Credit Card has several types of embedded travel insurance that can go into effect if there is a trip cancellation, interruption, or delay. If you file a covered claim, you may be reimbursed for lost, delayed, or stolen baggage.
Capital One travel insurance can also protect you in cases of severe injury or death. As long as you book and pay for your trip with this card, you and your eligible family members could qualify for additional benefits.
Discounts and other goodies
You definitely want to stay on top of the assorted benefits you can get with the card by checking the website to see what’s new.
For example, a discounted membership to The Cultivist, a global arts club that offers access to more than 60 of the world’s top museums for half off its Enthusiast membership (a $440 value), is currently available.
Renting a car? Cardholders qualify for a complimentary Hertz status upgrade into the President’s Circle®. This status entitles you to expanded rental options and a complimentary car-class upgrade.
The Capital One Venture X Rewards Credit Card also comes with a free subscription to PRIOR, which provides early access to exclusive trips, destination guides, and weekly newsletters, as well as Capital One Dining, where you can book prime tables at hard-to-reserve restaurants.
What Credit Score You Need to Qualify
To qualify for the Capital One Venture X Rewards Credit Card, you will need to have excellent credit. That means it is suggested you have a FICO score of at least 800 and a VantageScore of at least 781.
Be aware that a healthy income will also be necessary. Although Capital One doesn’t publish a specific amount you need to earn to qualify for the Capital One Venture X Rewards Credit Card, it should be enough to cover the monthly payments on the balance you can acquire with the card.
Here’s a look at the ranges for FICO and VantageScore if you don’t know them off the top of your head:
| FICO Score Categories | Score Range | VantageScore Categories | Score Range |
|---|---|---|---|
| Exceptional | 800-850 | Excellent | 781-850 |
| Very Good | 740-799 | Good | 661-780 |
| Good | 670-739 | Fair | 601-660 |
| Fair | 580-669 | Poor | 500-600 |
| Poor | Below 580 | Very Poor | 300-499 |
If you’re not sure that your credit score falls within the excellent range, I’d highly recommend pre-approval, which I’ll talk more about in the next section. Long story short, it won’t impact your credit score, and if you’re rejected during the pre-approval process, Capital One will tell you why.
Then, you can use that information to improve your score and take another crack at pre-approval when you’re ready.
How to Apply (and Why You Should Try Pre-Approval)
I urge anyone interested in the Capital One Venture X Rewards Credit Card to first see if they are in the running by going through the company’s pre-approval process.
It won’t trigger a hard inquiry to be listed on your credit report and factored into your credit score. I tried it out, and the process is fast and simple.
Pre-Approval Process
The pre-approval application and the full application are similar, and I need to enter practically the same information. But with pre-approval, there’s no risk, and if I’m somehow not a good candidate for the Capital One Venture X Rewards Credit Card, at least I haven’t wasted a hard inquiry!
Here are the steps:
Step 1: Enter Your Name
The first screen I see asks me to submit my first and last name. Easy!
Step 2: Your Address
Then I get a friendly message asking me to share my residential address. I fill it in to move on to the next screen.
Step 3: Communication Preferences, Email, and Phone Number
Naturally, Capital One would like to know how to communicate with me. Here I’m asked for my email address and primary phone number, which can be my mobile, home, or work number.
Step 4: Employment Status
My income is next. The system asks me to hit the button that best describes my employment status: employed, self-employed, retired, student, unemployed, or other.
When I mark either of the employed buttons, I’m asked to specify my occupation, which I do.
Step 5: Income and Monthly Payments
Now I have to list the amount of money I make on an annual basis. This screen also asks me to write in my monthly rent or mortgage payment.
Step 6: Bank Account Information
Now that I’m at this point, I’m asked about my bank accounts. Do I have checking and savings, checking only, savings only, or none at all? I mark the button for both checking and saving.
Step 7: Citizenship Status
This screen wants me to answer whether or not I’m a U.S. citizen. When I click “yes,” it asks me if I also have citizenship with another country, and when I click “no,” it asks if I am a resident or nonresident.
Step 8: Date of Birth and Social Security Number
The final screen is where I’m to add my date of birth and either my Social Security number or my ITIN (Individual Taxpayer Identification Number).
After I submit, the magic happens. I will find out if I may be eligible for the Capital One Venture X Rewards Credit Card. It’s not a guarantee, but it does show that I’m within the range.
Now, the Full Application
If I get the go-ahead through the pre-application process, I may want to move forward with the actual application. This is the one that results in a hard inquiry. So, here’s what to expect:
Step 1: Name, Birth Date, SSN, and Citizenship
The first screen I see is very enticing. It shows some of the benefits associated with the Capital One Venture X Rewards Credit Card, including the current sign-up bonus offer.
I also see a cute drawing of an airplane, and a brief explanation about the $300 annual travel credit. I list my full name, date of birth, and SSN (if you have an ITIN, you’ll add that). I will have to fill in a yes or no bubble about my US citizenship, too, which then drops down to ask if I have citizenship in another country.
Step 2: Residential Address, Email Address, and Phone Number
Now I move to a screen that requests my residential address, email address, and my primary phone number.
It also has an image of a calendar, explaining that I can get bonus miles toward travel every year starting on my first anniversary of having the account. Exciting!
Step 3: Employment Status and Annual Income
On the next screen, I am asked for my employment status, with drop-down buttons to select if I am employed, self-employed, retired, a student, unemployed, or other. If I click on any of the employment options, I am asked for my occupation.
Then I must list my total annual income and monthly rent or mortgage. If I have any bank accounts, I will need to specify if I have both checking and savings, just checking, or just savings. Again, with the cute drawing! This time, it is a suitcase, and information about Capital One’s airport lounge programs.
Step 4: Add Authorized Users
Here I see the screen that allows me to assign additional cardholders. With a little research, I find I can add four people to the account as authorized users. If I want to give people access to my account, I will submit their names, birth dates, and primary phone numbers.
Adding their Social Security numbers is optional. Off to the side, there is a drawing of what appears to be an adult and child with information about adding trusted people to the account, and a brief explanation about how I will earn additional rewards when that person charges with my account.
Step 5: Review Your Information
Now for my review screen. I see all of the information that I listed, and am asked if everything looks right. It does, so I proceed with a click of the “Continue” button.
Step 6: Read Disclosures and Indicate a Language Preference
On this screen, I’m instructed to read about paperless communications and statements, and am asked if I would like to receive information in English or Spanish.
I also have the opportunity to read through the important disclosures before I submit my application.
Step 7: Submit the Application
The moment of truth! The final screen informs me that by clicking the “Submit Application” button, I am acknowledging that I have read and agree to the disclosures, acknowledge that if this application contains prefilled information, it is correct, and if any information is incorrect, I have edited it.
I also need to authorize Capital One to check my credit, employment history, and verify my application information with third parties. Lastly, I acknowledge that Capital One uses a third-party service to validate my identity, which includes information from my mobile phone provider, such as call forwarding.
Do I qualify? Well, I don’t know because I didn’t actually submit my application, but maybe one day I will. And I can expect a decision fast, sometimes in just a few seconds.
What Credit Limit to Expect
Capital One does not publish the credit limit that applicants may receive when they are approved for this or any other account. Credit limits are largely determined by a combination of an applicant’s credit history and income.
The better your credit rating and the more money you earn and have available after housing expenses are subtracted, the higher the credit limit you’ll most likely be granted.
That said, credit limits starting at $5,000 are common for the Capital One Venture X Rewards Credit Card, and if you use it responsibly by keeping the balance low and making all of your payments by the due date, Capital One may hike your credit limit automatically. You can also request a credit limit increase.
How to Redeem Miles
Think of the Capital One Venture X Rewards Credit Card miles you accumulate as currency to spend. You have three basic options: convert the miles to cash (as a statement credit or gift card), trade them in on the travel or entertainment portal, or transfer them to one of Capital One’s partner loyalty programs.
The value of miles depends on how they’re redeemed. For example, if you redeem them as cash, you’ll only get 0.5 cents for each mile.
On the other hand, if you use your rewards to purchase airfare and accommodations on Capital One Travel, they are worth at least 1 cent per mile. You can log into the portal, see how many miles you need for the flight or hotel you want, and book away!
You can also use miles to be reimbursed for certain recent travel purchases or business expenses, such as flights, hotels, cruises, ride-hailing services, and tolls, so it’s almost like cash, but you get the higher 1 cent per mile value.
You may get more value for your miles by transferring them to Capital One’s airline and hotel partners. Depending on the partner, rewards may be worth anywhere between 1.5 and 2 cents each when transferred to their loyalty programs. As long as you have at least 1,000 Capital One miles, you can transfer them, since conversion is only available in 1,000-mile increments.
Capital One has a variety of airline partners. As of this review, EVA Air and Japan Airlines Mileage Bank offer a 2:1.5 transfer ratio, which means that for every 2 miles you transfer, you’ll receive 1.5 miles in either EVA Air’s Infinity MileageLands or Japan Airlines’ Mileage Bank program. So transferring 2,000 points would yield 1,500 miles.
JetBlue offers a 5:3 transfer ratio, so for every 5 miles transferred, you’ll receive 3 miles in JetBlue’s TrueBlue loyalty program. Transferring 5,000 points, therefore, would net 3,000 TrueBlue miles.
Capital One’s other airline transfer partners offer a 1:1 conversion ratio, so each mile is worth one loyalty point. Here is a list of transfer partners as of the time this review was written:
- Aeromexico Rewards
- Air Canada Aeroplan®
- Avianca LifeMiles
- British Airways Executive Club
- Cathay Pacific Asia Miles
- Emirates Skywards
- Etihad Guest
- Finnair Plus
- Flying Blue
- Qantas Frequent Flyer
- Qatar Airways Privilege Club
- Singapore Airlines KrisFlyer
- TAP Miles&Go
- Turkish Airlines Miles&Smiles
- Virgin Red
Capital One also has hotel partners. Here are some details on transferring to their programs:
- Choice Privileges and Wyndham Rewards offer a 1:1 conversion ratio.
- I Prefer Hotel Rewards offers a 1:2 conversion ratio. You receive 2 points for every mile transferred, so 1,000 miles will net 2,000 I Prefer Hotel Rewards points.
- Accor Live Limitless offers a 2:1 conversion ratio. Every 2 miles transferred will result in 1 point, netting 1,000 points for 2,000 miles.
To transfer your rewards to a travel partner, simply access your account online or through the Capital One Mobile app. Locate the “rewards” section and select the option to transfer the number of miles to the partner of your choice. Be sure this is what you want to do because you can’t transfer them back!
Ok, so what is best? Since I prefer simple redemption, I use my miles to book trips through the Capital One Travel portal. But if you want to play around with partners by shifting your points to their partners, you can come out ahead. Just try to avoid the “cash” option, since it really does devalue your rewards.
Capital One Mobile App and Customer Support
I’m really not much of an app person and try to have as few as possible on my phone, but Capital One’s is a keeper. It’s super easy to navigate. In fact, I just logged in to see how many miles I have (57,000!) and I’m about to book a flight to Chicago.
Outside of the basics like checking your balance and making payments, the app helps with lounge access that comes with the Capital One Venture X Rewards Credit Card. The last thing you want when you are trying to have a special experience at the airport is to wait in a long line.
But after signing in to the app, just tap on “lounges” to secure your spot. If the lounge is full, you can add your name to the waitlist and get text alerts when it’s your turn.
The app also comes with CreditWise, which lets you view your FICO Score 8 and offers personalized insights, as well as alerts when your score changes. The embedded fraud protection will let you know if your Social Security number or email address shows up on the dark web.
I saved the Capital One customer service number on my phone (1-800-227-4825), and I suggest you add it, too. When I call, I get a series of prompts to enter, such as the last four digits of my account number.
If I don’t get the information I want, I can move on to a representative, but it may take a while. I just placed a call and waited just over three minutes to get a representative on the line. Not bad.
Other Cards Worth Considering
As I have the Capital One Venture Rewards Credit Card, it’s a good comparison to the Capital One Venture X Rewards Credit Card.
However, the Capital One Venture Rewards Credit Card does not have any lounge access, nor does it come with a $300 travel credit or an anniversary bonus.
Still, the Capital One Venture Rewards Credit Card only has a $95 annual fee, and I am able to earn excellent rewards when I use it. It offers 2X and 5X miles, depending on what and where I use the card for, opposed to up to 10X the miles with the Capital One Venture X Rewards Credit Card.
If you want to branch out to a different issuer that offers a card that costs about the same, you may want to consider the American Express® Gold Card. It has a $325 annual fee, and because it’s a charge card, there is no fixed credit limit.
For travel benefits, you’ll earn 3X Membership Rewards® points on flights and 2X points on prepaid hotels and other eligible travel when you book through AmexTravel.com.
If you book at least two nights with The Hotel Collection (through AmexTravel.com), you’ll get a $100 credit toward eligible charges. However, it does not include lounge access, so if that’s important to you, skip it.
Pros and Cons
Take stock of how much you travel before applying for the Capital One Venture X Rewards Credit Card. You’ll get the most out of the card when you use it for flights, accommodations, and other travel-related expenses.
With that in mind, here are some of the most prominent benefits and drawbacks:
Pros
- Access to Capital One airport lounges and Priority Pass lounges.
- 75,000 bonus miles after meeting the $4,000 minimum spend.
- Earn between 2X and 10X miles depending on where you charge.
Cons
- $395 may be too steep for some.
- Must have excellent credit to qualify.
- Doesn’t include perks for specific airline and hotel brands.
To qualify, you will need excellent credit and a supportive income, so, again, I’d suggest going through the pre-qualification process before you apply.
Would I Recommend the Capital One Venture X Rewards Credit Card?
I would not hesitate to recommend the Capital One Venture X Rewards Credit Card to anyone looking for an account that makes travel easier and cheaper. The virtually unlimited airport lounge access alone is a big selling point.
Lounge programs are extremely expensive, so they’re usually only offered on credit cards that have far higher annual fees.
The $300 travel credit you get once a year can also make the card more than worth the annual price, as will other goodies like the $120 set aside for U.S. Customs & Border Protection trusted traveler programs.
“I would not hesitate to recommend the Capital One Venture X Rewards Credit Card to anyone looking for an account that makes travel easier and cheaper.”
It’s important to remember, though, that this is a travel rewards card. That’s where you’ll get the biggest bang for your rewards, both to earn and to spend. So it really is not best if you want to redeem the rewards for cash.
Also, mind the high interest rate. The 19.49% - 28.49% (Variable) APR means revolving balances will be expensive, so if you plan to extend payments, I would suggest getting a card that offers 0% APR on purchases for a specific number of months instead.
In the end, if you use all the benefits associated with the Capital One Venture X Rewards Credit Card, the annual fee will be a non-issue. That’s because its benefits will be worth more than the yearly cost.
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