Edited by: Stella Shon
& Kellie Jez
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The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.
(at Capital One's secure site)
The Capital One Venture X Rewards Credit Card is the premium Capital One travel rewards card on the block.
Points and miles fans will be surprised to see that the Capital One Venture X card packs quite the punch when it comes to bookings made through Capital One, all while offering the lowest annual fee among premium credit cards.
Depending on your travel goals and preferences, the Capital One Venture X card could very well end up being your go-to card in your wallet.
For the most part, the most ideal cardholder of the Capital One Venture X card is someone who is looking for a 1-card setup when it comes to travel rewards, wants a premium card that offers lounge access, and doesn’t mind making all of their travel purchases through Capital One Travel.
The Capital One Venture X card could also be a good fit if you’re looking for a card that offers the following perks and benefits:
While the Capital One Venture X card does charge a $395 annual fee, these 2 benefits alone will help take the sting out of that as each year you’ll get $300 annual travel credit that can be used towards any purchase made through Capital One Travel. Plus, you’ll get 10,000 bonus miles added to your account, worth a minimum of $100 when redeemed towards cash-back — or even more when you transfer to the Capital One transfer partners.
Like any good premium credit card, the Capital One Venture X card offers airport lounge access — a welcome perk for all types of travelers. With the card, you’ll get a Priority Pass Select membership, which grants you access to over 1,300 airport lounges worldwide. You also have access to 110+ Plaza Premium Lounges.
Plus you’ll also receive access to Capital One’s very own lounge network. Though only 3 of these lounges have been announced so far, it appears that they will rival the quality of the massively popular American Express Centurion Lounges.
Global Entry and TSA PreCheck are easily 2 of the most useful benefits for travelers, as there are few things worse than standing in the standard security lines or customs lines at the airport. Global Entry and TSA PreCheck help you bypass the standard lines, giving you an expedited security experience.
Capital One Venture X cardholders can score some additional benefits on their Hertz rentals thanks to their complimentary Hertz President’s Circle status, which is usually only achieved after 15 rentals or $3,000 in spend.
Hertz President’s Circle includes the following benefits:
Once you’ve built up a stash of Capital One miles, you’ll want to redeem them for as much value as possible. Fortunately, Capital One gives you quite a few options when it comes to redemption options.
Using the Capital One transfer partners is by far your best option if you’re looking to get as much value out of your miles as possible. After all, redeeming your miles this way will allow you to book first and business class flights for a mere fraction of the cash cost.
Capital One offers 16 different transfer partners for you to choose from, 14 of which can be transferred to at a 1:1 rate, including fantastic partners like Air Canada, Avianca, and Turkish Airlines.
Hot Tip: Need some ideas for great ways to redeem your Capital One miles? Read through our guide on the best ways to redeem your Capital One miles!
Just as you’ll receive 5x to 10x miles per $1 when making certain travel purchases through Capital One Travel, you can also redeem your miles straight through the portal as well. When you redeem this way, you’ll receive just 1 cent per mile in value, so it’s not quite as good of a value as you’ll get with transfer partners.
But what you lose in value you make up for in flexibility as your miles can be redeemed for literally any travel purchase with no blackout dates or award availability hoops to jump through.
You’ll also have the ability to redeem your miles for cold hard cash-back, but at a rate of just 0.5 cents per mile. This is the worst redemption option from a value perspective, so you’ll want to opt for some of the other choices unless you really need the cash.
Like most other travel loyalty programs, you’ll have the ability to redeem your miles for gift cards with select merchants, and you’ll usually receive anywhere from 0.8 cents to 1 cent per mile when doing so. Given that, this is one to skip if you’re trying to get as much value as possible.
Lastly, if you have your Capital One Venture X card linked to your Amazon or PayPal account, you’ll have the option to use your miles as your method of payment when checking out via either platform. Redeeming your miles this way will also give you a value of 0.8 cents per mile — so it’s hardly the best use of them.
With the Capital One Venture X card, you’ll earn a whopping 10x miles per $1 on hotel and rental car purchases made through Capital One Travel. Given that we value Capital One miles at 1.6 cents per mile, this is effectively like earning a 16% return on these purchases!
Of course, there is the downside that by not booking directly with the hotel, you won’t earn redeemable hotel miles, nor will those stays count towards your elite status qualification with the chain, so this is definitely important to keep in mind if that is important to you.
On airfare purchases made through Capital One Travel, you’ll earn 5x miles per $1. This is a very solid rewards rate that is in line with or better than many other premium cards, but again, flights purchased through the Capital One portal won’t count towards elite status.
One area where the Capital One Venture X card really shines is that it earns an uncapped 2x miles per $1 on all purchases. Usually, premium rewards cards earn just 1x mile per $1 on non-bonused purchases, causing savvy points travelers to add an “everywhere else” type card to their wallet to ensure they’re always earning as many miles/points as possible.
But those using the Capital One Venture X card could easily take a “one-card-fits-all” approach by knowing that they’ll earn 5x to 10x miles per $1 on travel purchases and an unlimited 2x miles per $1 on every other purchase.
Capital One offers several other cards that earn Capital One miles that you could pair alongside your Capital One Venture X card, but it might not necessarily make sense to do so.
The reason being is that all other Capital One miles-earning cards offer between 1.25x to 2x miles per $1 on all purchases. Given that you’ll already be earning an uncapped 2x miles per $1 on all purchases with your Capital One Venture X card, you’ll probably need a very specific reason to add another card that has overlapping or worse rewards rates.
In many ways, you’ll find the Chase Sapphire Reserve card to be pretty similar to the Capital One Venture X card. The Chase Sapphire Reserve card also offers 10x points per $1 on hotels and car rentals and 5x miles per $1 on flights purchased through the Chase portal, but it also offers 3x points per $1 on all other travel purchases and dining purchases.
While its annual fee is quite a bit higher, it also comes with benefits like an annual travel credit, a Priority Pass Select membership, a Global Entry credit, Lyft Pink membership, DoorDash DashPass, and much more. Plus, your points are worth 50% more when redeemed through the Chase travel portal.
If you’re really looking for a premium card with premium benefits, it doesn’t get much better than the Amex Platinum card. While it does come with a hefty annual fee, it is absolutely loaded with perks.
We’ve also compared the Capital One Venture X card to other popular cards:
For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
Upon enrollment, accessible through the Capital One website or mobile app, eligible cardholders will remain at upgraded status level through December 31, 2024. Please note, enrolling through the normal Hertz Gold Plus Rewards enrollment process (e.g. at Hertz.com) will not automatically detect a cardholder as being eligible for the program and cardholders will not be automatically upgraded to the applicable status tier. Additional terms apply.
For rates and fees of The Platinum Card® from American Express, click here.
That depends on your needs and travel goals! The Capital One Venture X card offers plenty of great perks and the lowest annual fee among all premium credit cards. That said, the 2 major bonus categories on the card require you to make your travel bookings through Capital One Travel. So as long as that is fine with you, then the Capital One Venture X card might be a perfect fit for you!
With the Capital One Venture X card, you can access all Priority Pass lounges, plus Plaza Premium Lounges and Capital One Lounges.
Yes, the Capital One Venture X card charges a $395 annual fee.
Capital One gives you multiple options when it comes to redeeming your miles, including transfer partners, Capital One Travel, statement credits, and much more.
That said, those who are looking to get maximum value out of their miles should utilize the Capital One transfer partners.
The $300 travel credit from the Capital One Venture X card can be used for any and all travel purchases made through Capital One Travel.
No, your Capital One miles should never expire as long as your account remains open and in good standing.
The Venture X is a Visa card. The Visa network processes transactions on over 3.8 billion credit cards with over 100 million merchants, worldwide.
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