Capital One Venture X
$395 annual fee · $330/yr in printed statement credits · 2x on everything else · no foreign transaction fees
Earn rates · how we got this
| Category | Rate | Cap |
|---|---|---|
| Everything else | 2x | uncapped |
| Hotels at Capital One Travel only — anywhere else in this category the card earns its base rate, so it is excluded from every ranking on this site |
10x | 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. Bonus figure confirmed on the issuer's page 2026-09-14.
Statement credits — $330/yr on paper · how we got this
| 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? · how we got this
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.
Who this card is not for
Every point below is a term the issuer prints, read off this card's own row in our database — not an opinion about the card. two things on this card rule out a kind of spender:
- Anyone who doesn't spend at Capital One Travel. Its largest printed rate, 10x on hotels, pays only at Capital One Travel. Anywhere else it earns its base 2x, so the headline number is a loyalty rate rather than a category rate — which is why no ranking on this site counts it.
- Anyone who won't work the statement credits. The $395 fee is argued for by $330 of printed credits, spread across 2 separate credits. Each one only pays if you were going to spend that way anyway; ignore them and the whole $395 has to come back through earn rates instead.
Compared head-to-head
- Capital One Venture X vs Citi Double Cash® Card — 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 Capital One Savor — which earns more?
- Capital One Venture X vs The Platinum Card from American Express — which earns more?
- Capital One Venture X vs American Express Gold Card — which earns more?
- Capital One Venture X vs Royal ONE Plus Visa Signature — which earns more?
- Capital One Venture X vs Wyndham Rewards Earner Premier Card — 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 2026-09-15 against issuer terms · sources: www.capitalone.com. Spot an error? Tell us.