Credit card with Capital One Venture X: Basics
Hefty welcome bonus
Especially with travel credit cards, sign-up benefits can alter over time. But there’s a great one with the Capital One Venture X Rewards Credit Card: Spend $4,000 on purchases during the first three months of your account opening to earn 75,000 bonus miles, which is equal to $750 in travel.
That is sufficient to pay the annual cost for over two years. The drawback is that you’ll need to load the card with a lot of first purchases. Averaging $1,333 per month, you spent $4,000 on items in the first three months.
Rewards:
2 kilometers for every $1 spent in retail.
Dollars spent on flights booked with Capital One Travel earn 5 miles.
10 miles for every $1 spent on lodging and vehicle rentals through Capital One Travel.
Options for redemption:
At a cost of one cent per mile, use miles to make travel arrangements with Capital One.
Purchase statement credits for use against travel expenses in exchange for miles at one penny each.
Miles can be transferred to more than 15 airline and hotel partner programs. The transfer partner and the per-mile cost are factors.
| Capital One Venture Rewards Credit Card | Capital One Venture X Rewards Credit Card | Capital One Venture Rewards Credit Card |
|---|---|---|
| Annual fee | $395. | $95. |
| Sign-up bonus | Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel. | Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel. |
| Base rewards | 2X. | 2X. |
| Rewards on hotels and car rentals booked on Capital One Travel | 10X. | 5X. |
| Rewards on flights booked on Capital One Travel | 5X. | 2X. |
| Rewards on cars booked through Turo (through May 16, 2023) | 10X. | 5X. |
| $100 credit for TSA PreCheck or Global Entry | Yes. | Yes. |
| Annual credit for bookings made on Capital One Travel | $300. | None. |
| Annual bonus miles | 10,000 ($100 toward travel). | None. |
| Airport lounges | Unlimited access to Capital One Lounges and more than 1,300 Priority Pass lounges internationally. | 2 free visits annually to Capital One Lounges, then $45 per visit. |
Are you a good fit for the Capital One Venture X Rewards Credit Card?
The annual fee for this card is covered by the annual credit for Capital One reservations and the anniversary miles if you can completely redeem them.
The benefits, including as access to airport lounges, and healthy rewards are thus essentially free. Because of this, anyone looking for a high-end travel credit card may consider the Capital One Venture X Rewards Credit Card.
Are you still confused about whether you need this card or another type of travel card? For possibilities across categories, visit our best credit cards page.