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Capital One Venture X Rewards Credit Card card art
Capital One · venture

Capital One Venture X Rewards Credit Card

4.7 / 5
Capital One Miles · Personal card

The cheapest credible premium travel card, and the credit plus anniversary miles still roughly cover the fee. The February 2026 guest-access cut stings for families.

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At a glance

Issuer terms
Welcome bonus
75,000 miles
Spend $4,000 in 3 months
Annual fee
$395
Year-one and ongoing
Purchase APR
19.99% to 29.99%
No intro APR
FX fee
None
Rates accurate as of
Editorial

Our take

The cheapest credible premium travel card, and the credit plus anniversary miles still roughly cover the fee. The February 2026 guest-access cut stings for families.

Verdict

Pros & cons

Pros

  • $300 travel credit and 10,000 anniversary miles offset most of the fee
  • 2x floor on every purchase
  • Primary rental car coverage up to $75,000
  • Authorized users keep lounge access

Cons

  • Lounge guests now cost extra below $75,000 annual spend
  • Trip cancellation coverage caps at $2,000 per person
  • 10x and 5x rates require booking through the portal
Earnings

Earn rates

CategoryRateNotes
Hotels & rentals via Capital One Travel10x milesHotels and rental cars booked through Capital One Travel.
Flights And Vacations Capital One Travel5x milesFlights and vacation rentals booked through Capital One Travel.
All purchases2x milesEvery purchase, everywhere.
Benefits

Key benefits

$300 travel credit + 10,000 anniversary miles

The credit applies to Capital One Travel bookings. With the anniversary miles, the effective fee is near zero for portal users.

Lounge access, now solo

Capital One Lounges, Landings, and Priority Pass for the cardholder and authorized users. Complimentary guest access ended February 2026 unless you spend $75,000 a year.

2x everywhere floor

Every purchase earns at least 2 miles, so the card works as a daily driver.

Fit

Who this is best for

  • Travelers who book through Capital One Travel
  • People who want premium perks under $400
  • Authorized-user households sharing lounge access
FAQ

Frequently asked questions

What is the Venture X welcome bonus?
Earn 75,000 bonus miles after spending $4,000 on purchases in the first 3 months from account opening.
Does the Venture X charge an annual fee?
Yes. The annual fee is $395 every year.
Does the Venture X have a foreign transaction fee?
No. The Venture X charges no foreign transaction fee, so it works well for international purchases.
What APR does the Venture X charge?
The purchase APR is 19.99% to 29.99% variable.
Who is the Venture X best for?
Travelers who book through Capital One Travel. People who want premium perks under $400. Authorized-user households sharing lounge access.
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Capital One Venture X Rewards Credit Card

Spend $4,000 in 3 months
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Rates accurate as of June 10, 2026. Issuer terms.