Capital One Venture Rewards Credit Card
capital one
4.4 / 5
Capital One
Venture
- Welcome
- 75,000 miles
- Annual fee
- $95
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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.
At a glance
- Welcome bonus
- 75,000 miles
- Spend $4,000 in 3 months
- Annual fee
- $395
- Year-one and ongoing
- Purchase APR
- 19.49% to 28.49%
- No intro APR
- FX fee
- None
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
- Primary cardholder still gets unlimited lounge access
Cons
- Lounge guests and authorized users now cost extra unless you spend $75,000+ annually
- Trip cancellation coverage caps at $2,000 per person
- 10x and 5x rates require booking through the portal
Earnings
Earn rates
| Category | Rate | Notes |
|---|---|---|
| Hotels & rentals via Capital One Travel | 10x miles | Hotels and rental cars booked through Capital One Travel. |
| Flights & vacation rentals via Capital One Travel | 5x miles | Flights and vacation rentals booked through Capital One Travel. |
| All purchases | 2x miles | Every purchase, everywhere. |
Benefits
Key benefits
$300 travel credit + 10,000 anniversary miles
The credit applies to Capital One Travel bookings. Add the anniversary miles and the effective annual fee lands close to zero for portal users.
Lounge access now costs extra for guests and authorized users
The primary cardholder still gets unlimited Capital One Lounge, Landing, and Priority Pass access, but since Feb 1 2026 authorized users pay $125 per year (up to 4) for that access, Priority Pass guests cost $35 each, and free Capital One Lounge/Landing guests require $75,000+ in annual spend.
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 19.49% to 28.49% 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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Apply
Capital One Venture X Rewards Credit Card
Spend $4,000 in 3 months
Rates accurate as of August 30, 2026. Issuer terms.