Capital One
Capital One Venture X Rewards
Capital One
Capital One Venture X Rewards
Last verified March 2026
A premium travel card with industry-leading perks that effectively reduce the annual fee to near zero.
$395
19.99% – 29.99%
2x base rate
$750 value
Excellent (750+)
None
New perk: $100 annual experience credit added
Updated January 2025
Rewards Breakdown
10x hotels & cars via Capital One, 5x flights, 2x everything else
| Category | Rate |
|---|---|
| Hotels & Cars (Capital One) | 10x |
| Flights (Capital One) | 5x |
| Everything else | 2x |
Sign-Up Bonus
75,000 miles after spending $4,000 in 3 months
Fees & APR
| Annual Fee | $395 |
| Purchase APR | 19.99% – 29.99% |
| Balance Transfer Fee | None |
| Foreign Transaction Fee | None |
| Late Fee | Up to $40 |
Pros & Cons
Annual Fee Break-Even
Based on 2x base rewards rate @ 1¢ per point. Bonus category spending may reduce your break-even point.
Customer Reviews
987 reviews
Best premium travel card period
When you factor in the $300 credit and 10K anniversary miles, the effective fee is basically $0. Plus 2x on everything and lounge access. No contest.
Capital One Lounges are incredible
The new Capital One Lounges are a step above Priority Pass lounges. Food, drinks, and even a spa at DFW. This card keeps getting better.
Almost perfect
Only giving 4 stars because the transfer partner list could be longer. But the value proposition is unbeatable.