Capital One Venture X
$395 annual fee · $330/yr in printed statement credits · 2x on everything else · no foreign transaction fees
Earn rates
| Category | Rate | Cap |
|---|---|---|
| Everything else | 2x | uncapped |
| Issuer travel portal portal only — pays only if you book through the issuer's own site, so it is excluded from every ranking on this site |
5x | uncapped |
| Entertainment at Capital One Entertainment only — anywhere else in this category the card earns its base rate, so it is excluded from every ranking on this site |
5x | uncapped |
Signup bonus: 75,000 points after $4,000 in 3 months. We never count unearned bonuses in savings math — a bonus you don't clear is worth zero.
Statement credits — $330/yr on paper
| Credit | Value | How it pays |
|---|---|---|
| Annual Capital One Travel credit | $300/year | annual · resets on your card anniversary |
| Global Entry / TSA PreCheck credit | $30/year | once every 4 years |
Monthly and quarterly credits expire if unused — that's where most of their printed value quietly disappears.
Non-cash perks
- 10,000 anniversary bonus miles every account year (~$130 value) — a miles award, not a statement credit
- Capital One Lounge access and Priority Pass Select (1,300+ lounges worldwide), primary cardholder
- Hertz President's Circle status (enrollment required)
- Cell phone protection up to $800 (pay phone bill with card)
- Complimentary PRIOR subscription ($149 value, enrollment required)
- 50% off Cultivist Enthusiast museum membership for up to 2 years
- Miles don't expire for life of account; no blackout dates
- Premier Collection ($100) / Lifestyle Collection ($50) per-stay hotel & vacation rental experience credits, plus room upgrades/late checkout when available
- Auto rental collision damage waiver, travel accident insurance (Visa Infinite)
Does the fee earn out?
The $395 fee minus $330 in printed credits leaves $65/yr to earn back through rewards — roughly $2,500 of spending at the base rate (valuing Capital One miles at the same mid-range value the optimizer uses). Whether that clears depends on your actual spending.
Is this $395 fee worth it? See the break-even math →
Check the current offer on the issuer's site → Where a card link will appear once available — no link on this page pays us today.
Compared head-to-head
- Capital One Venture X vs The Platinum Card from American Express — which earns more?
- Capital One Venture X vs Citi Double Cash® Card — which earns more?
- Capital One Venture X vs Capital One Savor — which earns more?
- Capital One Venture X vs American Express Gold Card — which earns more?
- Capital One Venture X vs Capital One Venture Rewards — which earns more?
- Capital One Venture X vs Sapphire Reserve for Business — which earns more?
- Capital One Venture X vs Chase Sapphire Reserve — which earns more?
- Capital One Venture X vs Chase Sapphire Preferred — which earns more?
- Capital One Venture X vs Chase Sapphire Reserve vs The Platinum Card from American Express — all three side by side
- Capital One Venture X vs Capital One Venture Rewards vs Capital One VentureOne Rewards — all three side by side
- Capital One Venture X vs Capital One Venture Rewards vs Chase Sapphire Preferred — all three side by side
- Capital One Venture X vs Citi Strata Elite℠ Card vs The Platinum Card from American Express — all three side by side
Don't want the fee any more?
Capital One Venture X can normally be product-changed to two lower-fee cards in the Capital One Venture family instead of being closed — which keeps the account, its age and its credit line.
Comparing cards in the same currency? See the best cards that earn Capital One miles →
More from Capital One
Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
Verified 2026-09-03 against issuer terms · sources: www.capitalone.com. Spot an error? Tell us.