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The Capital One Venture X Rewards Credit Card is a premium travel credit card designed for nearly every kind of traveler. Although it has a higher-than-average annual fee, it also provides significant benefits to cardholders — including an annual travel credit, airport lounge access, 10,000 bonus anniversary miles, and more.
Plus, for a limited time, eligible new cardholders can take advantage of an elevated 100,000-mile welcome bonus when you spend $10,000 on purchases in the first 6 months from account opening.
Let's break down the different facets of the Capital One Venture X Rewards card, its earnings rates, and the substantial perks you can enjoy if you choose to apply.
- 10X miles per $1 on hotels and rental cars booked via Capital One Travel
- 5X miles per $1 on purchases through Capital One Entertainment (through 12/31/2025)
- 5X miles per $1 on flights when booking via Capital One Travel
- 5X miles per $1 on vacation rentals booked via Capital One Travel
- 2X miles per $1 on all other eligible purchases
Page Contents
- Capital One Venture X Pros
- Capital One Venture X Cons
- Capital One Venture X Welcome Offer
- Capital One Venture X Benefits
- Capital One Venture X Earning Rates
- Redeeming Capital One Miles
- Application Restrictions and Strategy
- Capital One Venture X vs. Capital One Venture
- Other Cards That Compete With the Capital One Venture X
- Our Take: Is the Capital One Venture X Worth It?
- Final Thoughts
- Frequently Asked Questions
- Is Venture X hard to get?
- What is the Capital One Venture X credit limit?
- Does Capital One Venture X do a hard pull?
- How much is 100,000 Venture miles worth?
- Is the Venture X card metal?
- Can you use Venture X right away?
- How many credit cards is too many?
- How soon can I get my Venture X card?
- What is the difference between Venture and Venture X?
- Can I Transfer Capital One Miles to Family and Friends?
Capital One Venture X Pros
- Large sign-up bonus.
- $300 annual travel credit.
- 10,000-mile anniversary bonus.
- Earn 10X miles on hotels and rental cars booked through Capital One Travel, 5X miles on flights and vacation rentals booked through Capital One Travel, and 2X miles on other eligible purchases.
- Offers airport lounge access via Priority Pass and Capital One Lounges.
Capital One Venture X Cons
- $395 annual fee.
- Limited opportunities to earn more than 2X miles per dollar.
- Can't access many airport lounges in the United States.
Capital One Venture X Welcome Offer
The Capital One Venture X currently offers a hefty sign-up bonus of 100,000 miles when you spend $10,000 on purchases in the first 6 months from account opening.
In recent AwardWallet user redemptions, Capital One miles provide an average of 2.04¢ each. That means that a 100,000-mile bonus is worth more than $2,000 — and that’s before including the additional miles you'll earn by meeting your spending requirement.
Related: Do Capital One Miles Expire?
Capital One Venture X Benefits
Capital One did a great job making sure its flagship card delivers above and beyond its cost for frequent travelers.
Annual travel credit
Probably the biggest benefit of the Capital One Venture X card is that it provides cardholders with a $300 travel credit each year. If utilized, you essentially knock the annual fee down to just $95. This matches the annual fee on the Capital One Venture Rewards Credit Card — which lacks the other benefits of the Capital One Venture X.
However, to utilize the Venture X travel credit, you'll need to make a booking via the Capital One travel portal. Recently, the travel portal has expanded to include attractions and vacation rentals, providing you with more options for using the credit beyond flights, hotels, and rental cars.
I typically use my credit for short-haul flights on low-cost airlines, as they don't penalize you in the same way as hotels and rental car companies do for third-party bookings. Plus, Capital One offers a handy price guarantee tool that refunds you up to $50 if the price of your flight drops within 10 days of booking.
Related: How I Got $78 Back in Under 8 Minutes Through the Capital One Travel Price Match Guarantee
Airport lounge access
The Capital One Venture X card comes with a Priority Pass Select membership, which allows cardholders to access more than 1,000 airport lounges worldwide. As a cardholder, you and up to two guests can enjoy unlimited complimentary access to Priority Pass lounges whenever you fly. These lounges can provide an oasis away from crowded terminals and usually offer complimentary food, drinks, and outlets. You'll also see showers, sleeping pods, and more, depending on where you're visiting.
You can add Capital One Venture X authorized users for free. Each of these users is then entitled to their own Priority Pass Select membership with up to two guests at a time. This makes it an excellent option for those in groups or families traveling together.
However, lounge access is changing beginning February 1, 2026. Authorized users will no longer have complimentary lounge access. If you want your authorized user to retain their access, you'll have to pay an additional $125 per user. Also beginning in February, both primary cardholders and authorized users will need to pay $35 per guest to enter a Priority Pass lounge.
Cardholders are also entitled to unlimited complimentary access for themselves and up to two guests to Capital One lounges. However, also beginning February 1, 2026, you'll pay $45 to bring a guest with you to the lounge. Guests under 17 will cost $25. Guests 2 and under remain free.
So far, Capital One lounges are open in New York City (JFK), Las Vegas (LAS), Washington D.C. (IAD), Denver (DEN), and Dallas–Fort Worth (DFW). A Capital One Landing at Washington National Airport (DCA) is already open, and a new location is scheduled to open in New York City (LGA).
10,000-mile anniversary bonus
Starting on your first anniversary, cardholders will receive a 10,000-mile bonus per year. When redeemed for statement credits against travel purchases, these points are worth $100.
However, savvy travelers can get much more value from these points by redeeming through Capital One transfer partners. AwardWallet users have averaged 2.04¢ cents per Capital One mile in recent redemptions with partners.
Rental car elite status
Cardholders and any authorized users are entitled to Hertz Gold Plus President’s Circle status. This status grants you complimentary upgrades and the ability to skip the line at the counter. To take advantage of this perk, you'll need to register with Hertz through the Gold Plus Rewards enrollment process. Then, sign in to Capital One and navigate to the “benefits” tab to request your upgraded status.
Related: How to Get Rental Car Elite Status for Free
TSA PreCheck/Global Entry credit
Tons of travel credit cards offer a TSA PreCheck/Global Entry credit, so it's no surprise that the Capital One Venture X card does as well. To be eligible, you simply need to apply for membership and use your card to pay. A few days later, you’ll get a statement credit reimbursing you for the charges.
Cardholders can utilize this credit once every four years. TSA PreCheck and Global Entry memberships are both valid for five years, but you can renew up to one year in advance.
Travel insurance
As a Visa Infinite card, the Capital One Venture X card comes with its own suite of complimentary travel insurance. This includes:
- Rental car insurance
- Trip cancellation insurance
- Trip interruption insurance
- Lost luggage reimbursement
- Trip delay reimbursement
- Travel accident insurance
To be eligible for these insurances, you'll need to pay for the travel with your card. For flights, this means charging the airfare (or award taxes and fees) to your card. For rental cars, this means using your card to pay and declining the rental car company's collision damage waiver option.
Shopping insurance
Along with travel insurance, the Capital One Venture X also offers protections for items that you've purchased:
Premier Collection hotels
Have you heard of the American Express Fine Hotels + Resorts® program? Or perhaps its competitor, The Edit by Chase? These programs give eligible customers the ability to book high-end hotels with luxury perks such as a $100 food and beverage credit, room upgrades, early check-in, late check-out, and complimentary breakfast.
Capital One offers its own program, the Premier Collection, which provides elevated perks for stays at both hotels and vacation rentals. You'll receive benefits like a $100 experience credit, early check-in and late checkout, daily breakfast for two, complimentary Wi-Fi, and a room upgrade.
Capital One also offers the Lifestyle Collection, which gives similar benefits, including a $50 experience credit, early check-in and late checkout, a room upgrade, and free Wi-Fi.
Related: How to Receive Elite Hotel Benefits Without Elite Status
Other cardmember perks and memberships
- PRIOR: Capital One Venture X cardholders receive a complimentary annual PRIOR magazine membership.
- The Cultivist grants members entrance to over 100 museums worldwide; cardholders receive 50% off an Enthusiast membership ($220 instead of $440 for a 1-year membership).
Capital One Venture X Earning Rates
Capital One's Mile-earning cards are some of the best out there — especially if you like to keep things simple with a strong earning rate on most purchases. The Capital One Venture X card is no different:
- 10X miles per $1 on hotels and rental cars booked via Capital One Travel
- 5X miles per $1 on purchases through Capital One Entertainment (through 12/31/2025)
- 5X miles per $1 on flights when booking via Capital One Travel
- 5X miles per $1 on vacation rentals booked via Capital One Travel
- 2X miles per $1 on all other eligible purchases
The card’s earning structure is simple. However, it falls slightly behind its competitors in terms of miles earned on travel expenses. Sure, cardholders can earn up to 10x on travel, but to do so, you'll need to book your travel through Capital One's travel portal.
The downside of that is that hotels and rental car agencies don't like it when you use other websites to book their products. This includes online travel agencies (OTAs) such as Priceline, Expedia, and the Capital One travel portal. In order to disincentivize you from doing so, they penalize third-party bookings by removing any benefits or credits associated with elite status.
This unfortunate requirement to book through the Capital One Travel portal to earn maximum rewards hampers the Capital One Venture X card compared to its competitors. For example, the Sapphire Reserve rewards cardholders with 4x points for hotels and flights booked directly.
However, the Capital One Venture X card does truly shine when it comes to the baseline earning rate on everyday spending. Only a few cards earn 2x for all eligible purchases. Most competitors either have spending caps or offer less valuable rewards. Capital One has no caps on its 2x earning rate and offers highly competitive redemption options.
Related: Best Credit Cards for Everyday Purchases
Redeeming Capital One Miles
Capital One Venture X cardholders have quite a few different ways to redeem Capital One miles. The simplest way to redeem Capital One miles is for a statement credit to offset travel purchases made with your card. You’ll get 1 cent per Capital One mile redeemed this way.
Although that’s not the best redemption rate, the ability to offset any travel purchase means you can use Capital One miles to avoid paying out-of-pocket for award taxes/fees, ground transportation, and other travel costs that you typically can’t redeem points and miles for.
Cardholders can alternatively redeem Capital One miles through the travel portal — but we recommend against doing so. Instead, it’s better to make a purchase through the travel portal using your card, earn miles on the purchase, and then offset those purchases later.
Both of those options only provide a one cent per mile redemption rate. However, advanced points and miles collectors can do much better than that by taking advantage of the Capital One transfer partners to really maximize the value of their points. Capital One currently has four different hotel partners and 18 Capital One airline partners:
You probably spy a few familiar names in there — including Air France, Choice, and Wyndham. But don’t overlook the lesser-known programs.
For example, one of our particular favorites is Turkish Airlines Miles & Smiles, whose regional award chart leads to some pretty interesting redemptions. This includes the ability to book United award flights from the continental United States over to Hawaii for just 10,000 miles — making it one of the best points and miles options to Hawaii.
Cardholders can use Capital One domestic sweet spots to book flights on Delta from 5,000 miles, American flights from 6,000 miles, and United flights from 10,000 miles — even though none of these U.S. airlines are transfer partners.
Related: Capital One's Best Transfer Partners
Application Restrictions and Strategy
If you're sold on the Capital One Venture X, there are a few things to know before you apply. The card is marketed to consumers with “Excellent” credit. Although Capital One doesn't provide specific credit score guidelines, we'd recommend a FICO score of at least 740 to maximize your chances of approval. It's also important that you have a well-established credit history with at least a few years of data.
Unlike most card issuers, Capital One will pull your credit report from all three credit bureaus (Experian, Equifax, and TransUnion). Be sure to review your credit file with each bureau to ensure there are no errors that might hurt your chances of approval.
Lastly, you need to be aware that Capital One will only accept one credit card application every six months—a limit that applies to both business and consumer cards issued by the bank. If you've applied for a different Capital One card more recently, you'll need to wait before applying.
Related: A Beginner's Guide to Building Healthy Credit
Capital One Venture X vs. Capital One Venture
When comparing the Capital One Venture vs. Capital One Venture X, both earn 2x miles on everyday spending and bonus miles on travel purchased through Capital One Travel.
- 10X miles per $1 on hotels and rental cars booked via Capital One Travel
- 5X miles per $1 on purchases through Capital One Entertainment (through 12/31/2025)
- 5X miles per $1 on flights when booking via Capital One Travel
- 5X miles per $1 on vacation rentals booked via Capital One Travel
- 2X miles per $1 on all other eligible purchases
- 5X miles per dollar on purchases through Capital One Entertainment (through 12/31/2025)
- 5X miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel
- 2X miles per dollar on all other purchases
The best Venture Card for you really boils down to two factors:
- Would you utilize the Venture X’s $300 annual travel credit on travel you’d purchase anyway?
- Are you okay with paying a $395 annual fee up front?
If the answer to both is yes, the Capital One Venture X is the obvious choice. Not only does the $300 annual travel credit effectively lower the annual fee to $95, but the 10,000-mile bonus offsets the remainder of the annual fee, even if miles are redeemed at just one cent each.
All of the many other Capital One Venture X benefits — 5X miles on flights booked through Capital One Travel, lounge access, and rental car elite status— are just cherries on top.
Other Cards That Compete With the Capital One Venture X
We've brought up a few other cards throughout this article, but here's a handy chart to check out the major differences between the Capital One Venture X and some of its major competitors.
- 10X miles per $1 on hotels and rental cars booked via Capital One Travel
- 5X miles per $1 on purchases through Capital One Entertainment (through 12/31/2025)
- 5X miles per $1 on flights when booking via Capital One Travel
- 5X miles per $1 on vacation rentals booked via Capital One Travel
- 2X miles per $1 on all other eligible purchases
- 8x points on all purchases through Chase Travel℠
- 4x points on flights and hotels booked directly
- 3x points on dining worldwide
- 1x points on all other purchases
(Terms apply)
- Earn 5X points for flights booked directly with airlines or with American Express Travel® (up to $500,000 in purchases per calendar year).
- Earn 5X points on prepaid hotels booked with American Express Travel®.
- Earn 5X points on Fine Hotels + Resorts® and The Hotel Collection bookings.
In the showdown between premium travel cards, there isn’t one winner. Instead, it’s about finding the best card for your travel style — and budget. Of these three marquis cards, the Capital One Venture X has a much lower $395 annual fee vs. $895 for Platinum Card® (Rates & Fees) and $795 (Rates & Fees) for Chase Sapphire Reserve®.
For its much higher annual fee, the Platinum Card® offers additional perks like an up to $600 annual hotel credit (The Hotel Collection requires a minimum two-night stay), monthly Uber Cash credits, a digital entertainment credit, and more. Plus, the American Express Global Lounge Collection® is a notch above the Capital One lounge offerings. However, you’ll have to figure out for yourself if these perks are worth the extra annual fee. Enrollment is required for select Amex benefits.
The Sapphire Reserve offers a more flexible $300 travel credit that can be used for any travel purchase, a higher 4x earning rate on hotels and flights booked directly with travel providers, and 3x on dining, plus partner perks with Lyft, DoorDash, and more. But you’ll have to value each of these perks to figure out if they’re worth the additional annual fee.
Our Take: Is the Capital One Venture X Worth It?
The Capital One Venture X card has a lot going for it, especially if you can make use of its benefits. However, the pricey $395 annual fee can put off a lot of potential customers, especially if they're not used to the high-dollar pricing that comes along with premium travel credit cards.
That being said, it's pretty easy to justify this card. If you're able to use up the $300 travel credit and 10,000-mile anniversary bonus, the card itself is more than paid for. That, plus the ability to earn an uncapped 2x on all eligible purchases, makes this a worthy contender for any wallet. Besides this, the ability to earn Capital One Miles, which can be transferred to 22 different hotel and airline partners, is incredibly valuable. Hotel and airline cards have their place, but nothing beats a flexible point currency.
The only time we wouldn't recommend this card is if you already have a boatload of credit cards, including the Capital One Venture card.
For example, let's say that you have both the Capital One Venture and the Sapphire Reserve. Between these two, you have the great multiplier for non-bonus spending, a more flexible travel credit, and Priority Pass lounge access. In this case, the Capital One Venture X card would be fairly redundant unless you really needed multiple Priority Pass memberships.
Final Thoughts
The Capital One Venture X card is a premium travel credit card made to compete with the likes of Platinum Card® and Sapphire Reserve. It does that in spectacular fashion, offering hundreds of dollars per year in value while still managing to charge a much lower annual fee.
There are many cases in which a Capital One Venture X card is the right option for you, even if you travel only once or twice per year. That being said, if you're averse to paying high annual fees or don't think you'll be able to take advantage of the $300 travel credit, this may not be the right fit. Instead, consider the less expensive but still strong Capital One Venture for similar benefits at a lower cost.
Pairing the Capital One Venture X with cards that earn American Express Membership Rewards, Chase Ultimate Rewards, Citi ThankYou® points, or Bilt Rewards can strengthen your portfolio. This gives you the best flexibility when it actually comes time to redeem your rewards.
Frequently Asked Questions
Is Venture X hard to get?
The Capital One Venture X Rewards Credit Card is one of the most difficult cards to get. It requires "Excellent" credit, which means you'll need to be in the high 700s before even thinking about applying. Capital One also maintains its own application rules: You can only get one card every six months with a maximum of two personal Capital One credit cards.
Capital One is also pretty strict when it comes to new card approvals. The issuer tends to look pretty heavily at recent inquiries and may deny you for having too many open accounts. You'll also want to note that Capital One pulls your credit from all three bureaus; this is uncommon, as most card issuers will only pull from one or two.
What is the Capital One Venture X credit limit?
There is no published maximum for the amount of the credit line you'll receive with Capital One, whether you're looking to apply for a Capital One Venture X Rewards Credit Card or a Capital One Venture Rewards Credit Card. Instead, the amount of credit that you'll get is going to depend on your creditworthiness.
Since you have to have an "Excellent" credit score to be approved for a Capital One Venture X Rewards Credit Card odds are that your limit will be high. However, before applying, you'll want to be sure that your score is going to be as polished as possible.
Factors that affect your credit score include recent inquiries, total available credit, on-time payments, credit utilization, length of credit, and types of credit.
Does Capital One Venture X do a hard pull?
Capital One will always do a hard pull when you're applying for new credit. Unlike other card issuers, Capital One pulls your credit from Experian, TransUnion, and Equifax. This means you'll see a short-term ding to your credit across all three of these bureaus.
However, if you've too recently applied for a credit card from Capital One, either business or personal, you'll be automatically denied. You can get one new card every six months; applications beyond this are flagged as duplicates and denied.
How much is 100,000 Venture miles worth?
The value that you'll get out of your miles will depend on how you redeem them. With Capital One, there are a variety of redemptions you can make, including statement credits, gift cards, travel bookings, and more. However, these aren't the ideal methods for redemption, as the most value you'll ever get is 1 cent per point.
Instead, take advantage of Capital One's hotel and airline transfer partners to extract greater value. In recent redemptions, AwardWallet users averaged 2.04¢ cents of value per mile for redemptions. That's a big difference!
Is the Venture X card metal?
The Capital One Venture X Rewards Credit Card is a premium travel credit card. Like competitors American Express and Chase, Capital One sought to give the card a premium feel by making it out of metal. The card itself weighs approximately 17 grams, which is triple the weight of a standard plastic credit card.
Can you use Venture X right away?
Capital One does a great job with its website and mobile app, especially when it comes to online security. Once you're approved for the Capital One Venture X Rewards Credit Card, you're able to start making charges right away. This is thanks to the ability to create a digital credit card online.
However, you don't need to stop using a digital credit card once your physical card arrives. Digital credit cards can offer greater security than standard credit cards, since you can set limits and expiration dates per card. Consider using Capital One's digital card for free trials or for subscriptions that will otherwise be difficult to cancel.
How many credit cards is too many?
As long as you get value from a credit card after paying the annual fee, there's no such thing as too many credit cards. Just calculate the annual fees you're paying versus the value that you get out of each card. Some cards are considered 'sock drawer' cards and are only taken out every once in a while. These cards may provide more value than their annual fee simply by existing. Other cards may want to remain in heavy rotation, especially if you're trying to maximize every point you earn.
How soon can I get my Venture X card?
Most of the time when you apply for credit, you'll know almost immediately if you've been approved. If you are approved for the Capital One Venture X Rewards Credit Card, it'll be sent out to you immediately, and you'll receive it within days. However, you can find your Capital One card number without the card and opt to start using the card immediately thanks to the ability to use a virtual version of the card via the mobile app or the website.
What is the difference between Venture and Venture X?
The Capital One Venture Rewards Credit Card is like the younger sibling of the Capital One Venture X Rewards Credit Card. It costs $95 per year rather than $395 per year and offers correspondingly fewer benefits. Meanwhile, theCapital One Venture X Rewards Credit Card provides a $300 annual travel credit, a 10,000-mile anniversary bonus, Priority Pass Select membership, and more, while the Capital One Venture Rewards Credit Card does not.
However, both cards earn an unlimited 2x per dollar spent on all purchases outside the Capital One travel portal, which can be especially good if you spend a lot at locations such as Amazon and Walmart.
Can I Transfer Capital One Miles to Family and Friends?
Yes, Capital One has one of the most generous transfer policies of any issuer. You can transfer Capital One miles to other accounts with almost no caps or restrictions. There are no fees to transfer your miles, and you can combine rewards from both personal and business accounts.
For rates and fees of the cards mentioned in this post, please visit the following links: Chase Sapphire Reserve® (Rates & Fees), and American Express Platinum Card® (Rates & Fees)
The comments on this page are not provided, reviewed, or otherwise approved by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.
Sounds really good, but I have two issues. Their travel credit of $300 is limited. The Chase card gives it to you for Ezpass as well, they don’t. Also Chase gives 1.5 per point for flights and it’s considered a cash payment as well which gives you more miles.
Am I wrong?
Agreed that the CSR travel credit is much easier to use. And yes, using points through the Chase portal counts as cash bookings, so you’ll earn miles on flights booked through the Chase travel portal.
I just applied and was auto accepted. I got the Venture X in April last year and got the 100,000 miles on that too. Make sure you check the option that says you regularly carry balances.
It will be interesting to see if I get it. I applied and then they asked me to send in a w-2, 2 paycheck stubs and 3 bank statements. Never had to send anything in for a CC app before.
I like the Venture card, We often go where there are not chain hotels and the Cap One points fill in those spots.
Capital One is catching up with Chase’s credit card offers now!
Like many others here, I’m up for Amex Platinum renewal and seriously considering dropping it. This one is particularly interesting since I have 3 authorized users on Amex for an additional $175 annually.
I am concerned though about what is available on their Travel Portal. While I’m a fan of Amex FHR, I could never find a competitive air fare on their portal and the Capital One Portal seems to nominally be the best redemption value for their “miles”
Any posts about this would be very useful.
Applied and got denied for this card, despite having a 758 FICO (Experian), and no other Capital One cards. Granted, I just got the Air France KLM card two weeks ago, and 11 other cards since the start of the pandemic…this points game is addictive. Here’s the reasons given:
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Thank you for applying for a credit card issued by Capital One®. Unfortunately, after reviewing your application and information obtained from your consumer credit report(s) from the agencies detailed on the back of this letter – we cannot approve your request at this time. The reason(s) for our decision are:
Based on your credit report from one or more of the agencies on the back of this letter, there are too many revolving accounts
Based on your credit report from one or more of the agencies on the back of this letter, there have been too many recent credit card inquiries
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Well, that’s what happens when you pull from all THREE bureaus. Amex only did one pull for my four cards, so that’s less than 10 inquiries across the board. Two, I have applied for 17 cards, and got 12 of them easily, so it’s not a huge loss. I’m one of those folks Capital One is picky with, so this card is a hard pass. Not worth the squeeze. Chase, Amex, Citi, Bank of America, USAA, & Discover will continue to keep me as a cardholder. LOL
The fact they pull all 3 bureaus continues to be strange. Cap One is very sensitive to number of recent accounts and number of recent inquiries, unfortunately.
I am about to close on a refinance so I can’t apply just yet, but this is super enticing. Any idea how long this offer will be available?
Hi Adam, we don’t have any details on the end date, but limited-time offers usually last 30-60 days. This offer launched on November 9th, so you’re likely in good shape even if you need to wait a little bit.
I wonder how long the AF will remain at this level with these perks. I still would prefer getting the Amex Plat rather than this card. I can see the benefit to Capital One card but Amex still have more positive perks for me than CO.
100,000 bonus miles? I´m wondering what´s next?
I already have the Venture card and am planning to downgrade my CSR to CSP because 550 is ridiculous since I’m barely traveling these days.
I’m wondering if maybe it’s better to ask CapOne if I can upgrade from Venture to Venture X…
Any thoughts?
Matt – a few thoughts on this. 1-are you already at the “2 card limit” with Capital One? If so, upgrading could make sense, since you wouldn’t be eligible for a new card with them. 2-do you have a lot of recent inquiries/new cards? If so, Cap One approvals with lots of new activity on your credit report can be tough (though data coming in says Cap One is being more lenient with approvals than people had expected). I’m typically against upgrading to a card and forgoing the welcome offer points, unless there’s an overwhelming reason (typically “I won’t be able to get the card” is the only reason). If you are interested in the card and think you just don’t have a chance with Cap One to get it as a new card, then upgrading makes sense. Otherwise, to me it typically doesn’t make sense.
Decent benefits, good transfer partners but 10K spend to get the full bonus is still high. Great card if you have the spend though.
Applied and approved. My card churning addiction is bad….lol.
This really seems to be a generous offer. 100,000 miles is a great deal!
I’ll stick with the Chase UR and AMEX MR reward systems. If I were interested in this card, I’d be disappointed that the AirBNB or VRBO credit weren’t a general lodging or travel credit, instead.
wow. very good. and the program is on par with almost all the best programs in the world, including the emirates. sensational.
I’m a big fan of Capital One card products however appreciate I’m maybe in the minority there
If your traveling at all in the next 12 months, this card is a complete no-brainer. Fantastic welcome offer and a very reasonable annual fee considering the $300 travel credit and annual bonus when you keep the card….looking for a lot of AMEX Platinum card holders to make a switch as they must get tired of AMEX always raising the annual fee and giving out basically useless niche benefits in return. If you’re tired of the overcrowded Cenurion lounges, may be time to make a move to Capital One.
Nice combining their own lounges with priority pass. Chase should start creating their lounges around the world as well!
Lounge access is nice to have. 100,000 bonus points is great for a signup bonus. I need to review this further to see if I can justify to myself paying $395 annual fee.
Will this be a Mastercard or visa? I need a visa to pay at Costco. Lol.
Well, I applied through the link in this article, approved for 30K then went through Capital One’s “TSA check-in” (securely uploading my driving license), then added to AwardWallet, which gave the message that it detected my new Venture X card in my new Capital One online account (Capital One also emailed me that I had successfully linked to AwardWallet) but now have the message in Award Wallet that Capital One is saying “no reward accounts under this login”. So I will be keeping an eye on this account to see if that changes and that I actually start seeing rewards in my Capital One account (and in my AwardWallet account) once I receive the actual card and start using it..
Looking forward to trying out the Capital One lounge on my next flight connecting through DFW (have not flown since February 2020), as well as trying out CapitalOne’s technology for grabbing the best travel pricing.
Please contact our support team:
https://awardwallet.com/contact
After paying my first Venture X bill and also noting rewards points had been deposited in my Capital One account, I hit the “Update” button for the Capital One Venture X card in my AwardWallet, which brought up a message for me to log in to my Capital One within the window, and then AwardWallet correctly updated my Venture X points balance, and the error message went away.
And looks like I will be waiting longer before trying out the Capital One DFW lounge since Omicron has scared me (and my family) into cancelling our New York City Christmas trip, and instead taking a driving trip to Fredericksburg for a few days.
I was on the fence about canceling my Amex Platinum next month when the AF hits, but this card sealed its fate. Better practical benefits, far fewer gimmicks, and half the cost. The only things I don’t like are that high MS (2x what the Amex Platinum required last Nov), and the fact that getting this card cannibalizes much of my Chase trifecta, as the effective annual fee is $50 less than the CSP in year two and beyond.
Hopefully they still approve me, despite having a great credit score but a LOT of recent cards added to my wallet (I’m 11/24). LOL
If I currently have a Captial One Venture card, do you know whether it would be possible to apply for the Venture X, get the bonus, transfer my existing points balance to the new card, and then shut down the original Venture card? Thanks.
Sean – I think it’s “yes to everything”. Yes, you can apply as long as you meet the application rules (can’t have 2 personal cards with Capital One already, for example). Yes, you can earn the points and share them across your cards. Then you could close the old card or downgrade it to VentureOne (no fee).
Ive been interested in the Capital One model for quite awile. Now its looking even better.
They hit all three credit bureaus. And then, an 820 or so credit rating doesn’t get me approved. I don’t think I’ll waste three inquiries to get rejected by them again.
You might be surprised. I certainly was! I have dozens of open accounts and applied fully expecting to be rejected (like I was for the Capital One Venture 100k offer). But I was approved!
Instantly approved for 10k limit!
Capital One is catching up with Chase and Citi offers now
I was approved today and can’t wait for my card to arrive!
If you can make good use of their transfer partners, this could be a really lucrative card. I however don’t see myself using these partners.
Although, any word if Priority Pass includes restaurants? Does anyone besides Amex exclude them?
I’d love to make this my first Cap1 card, but therein lies the rub. I don’t yet have a Cap1 card because they haven’t approved me for one. I suspect the same would happen with this card. Oh well…
I haven’t been able to get a Capital One card for years – but I was approved for this one!
This looks like a great card but unfortunately I am one of those people who can’t get a card from Capital One despite excellent credit and cards from almost every other issuer. So I’ll just have to give this one a pass. Kudos to those who can get it.
There are a lot of data points from those that were unexpectedly approved – such as me! I went into the application fully expecting to be rejected due to having dozens of other credit cards. But, Capital One approved me – with a huge $30k limit.
First time know that Capital One offers a credit card including lounge access. Thanks for the info!
I’m a frequent traveler; I live in a Delta hub city and stay at Hyatt and Marriott brands. I can’t see this card being of any use whatsoever for anything not already covered in spades with CSR and Amex Delta reserve or even a standard Amex Platinum.
Truthfully I can’t see this card being much use for any run-of-the-mill domestic traveler.
I suppose I could make the $300 travel benefit work, but the miles and lounges aren’t inspiring.
I was surprisingly approved. I only have a savings account with Capital One, no other CCs.
Great card! $10000 initial spend threshold is kind of high though.
Very limited US major hotels or airlines.
Yes, is there any way we can take a look at the travel portal before we apply? If as you say it’s a very limited selection of US hotels and airlines, I would pass, as most of my travel is outside the U.S.
Is there a dollar amount we can translate these miles to? I do the same analysis on the other cards out there (Ultimate Rewards for example) to see which on I should get next.
Hi there, the most conservative value for these points is one cent each, so that makes the bonus worth $1,000. You can get one cent per point by redeeming through Cap1 travel or by making a purchase with your card and then redeeming points for a statement credit with the fixed-value redemption feature. (more here). That said, if you transfer points to partner airlines, you can get significantly more than one cent each.
Any idea how long this offer will be around? Not only the 100K but also the VRBO credit.
No idea. This will likely be a limited-time offer, but we don’t have any specifics on when it ends at this point.
What do you mean by Capital One branded card? I have 4. One platinum (first card ever) Two quicksilver cards, and a Venture 1. So I need to cancel 3 of them to get the Venture X?
Carl – yes. Capital One now has rules that you cannot have more than 2 personal cards with them that are “Capital One” cards (ex: that doesn’t apply to co-brand cards like Bass Pro Shop). To apply for the Venture X, you’d need to have 0 or 1 Capital One cards to be eligible.
This can definitely be a replacement for my Chase Sapphire Reserve. But I just renewed my CSR so if I get this Venture X now, I’ll be dishing out a lot up front here. Is it worth it?
The Venture X is definitely worth the fee. Especially in the first year, but even afterwards you get a $300 travel credit and $100 (min value) from the 10,000 Venture miles awarded annually. Also, depending on when you paid your CSR annual fee, you might still be eligible to get a whole or partial refund of the annual fee if you decide to close the account or downgrade. I’d recommend giving Chase a call to find out.
Does anyone know if their travel portal has competitive rates?
Peter – so far, this is the best review I’ve read. https://skift.com/2021/10/28/capital-one-travel-is-sleek-but-limited-by-content-gaps-a-skift-review/ It notes that Southwest (as expected) but also JetBlue flights aren’t showing up. Capital One Travel promises to compete on prices, and this review highlights some test bookings they made. It looks like their impression is that it’s pretty good but has some areas to improve.
100,000-mile bonus is really strong offer. I love it.