Capital One Venture X
Visa travel card with a $395 annual fee. Earns 10x on hotels and rental cars through Capital One Travel, 5x on flights and vacation rentals through Capital One Travel, 2x on everything else.
Terms read from Capital One's page on October 16, 2026. Rates and terms are set by the issuer and may change. We don't estimate approval odds.
Fees and rates
- Annual fee
- $395
- Foreign transaction fee
- None
- Purchase APR
- 19.74% to 28.74%
Rewards
- 10x on hotels and rental cars through Capital One Travel
- 5x on flights and vacation rentals through Capital One Travel
- 2x on everything else
Earns Capital One miles, valued at 0.5 cents as cash, 1 through the issuer's travel booking and 1.85 with transfer partners.
Credits, as counted
- Capital One Travel credit: $300 a year80% used
- Global Entry or TSA PreCheck fee credit: $120 every 4 years80% used
Perks, not valued
- Capital One and Priority Pass lounge access
Worked examples
Value on each spending preset, points redeemed as cash, typical use of credits.
| Spending | Year 1 | Year 2+ | 3 years | Break-even |
|---|---|---|---|---|
| Student | −$13 | $37 | $62 | Month 24 |
| Family | $646 | $321 | $1,288 | Month 2 |
| Frequent traveller | $710 | $385 | $1,479 | Month 2 |
Frequently asked questions
Is the Capital One Venture X worth it?
On a family's spending ($3,350 a month, points as cash), it's worth $646 in year 1 and $321 a year after that, after a $395 annual fee. It pays for its fee by month 2.
What is the Capital One Venture X welcome bonus?
75,000 miles after $4,000 in purchases in the first 3 months. Plus 10,000 bonus miles every account anniversary.
Does the Capital One Venture X charge foreign transaction fees?
No. It charges no foreign transaction fee.
What isn't counted in its value?
5x on Capital One Entertainment purchases isn't modelled.
Sources
Estimates for information only; not tax, legal or financial advice. See our methodology.