Capital One Venture X
$395/year, earning Capital One Miles, on the Visa network.
Card terms last verified against issuer pages on 2026-09-20.
The Capital One Venture X is a $395/year card from Capital One earning Capital One Miles. It earns 10x on car rental (c1travel), 10x on hotel (c1travel), 5x on airline (c1travel) and 2x on everything else. It carries 3 recurring statement credits worth $430 a year, listed in full below with the cap and reset date for each.
What it earns
Rates are the multipliers Capital One advertises. We do not convert them into a percentage return, because that requires putting a price on Capital One Miles and that price is a judgement, not a fact — see how we source this.
| Category | Rate | Notes |
|---|---|---|
| Car Rental (C1Travel) | 10x | |
| Hotel (C1Travel) | 10x | |
| Airline (C1Travel) | 5x | |
| Entertainment(C1) | 5x | Booked through the Capital One travel portal |
| Other | 2x | Everything else |
Statement credits
$430 a year across 3 credits against a $395 annual fee. The columns that matter are the cap and the reset date: a credit paid monthly cannot be saved up, and one that resets on the calendar year expires on 31 December no matter when you opened the card.
Other perks
Benefits that are not dollar statement credits — certificates, lounge visits, point bonuses. Where a value appears it is an estimate, not an amount the issuer credits you, and it is excluded from the credits total above.
| Perk | How often | Estimated value |
|---|---|---|
| 10,000 Anniversary Bonus MilesEarn 10,000 bonus miles automatically on each account anniversary. Miles are worth approximately 1.7¢ each when transferred to airline/hotel partners. | Once a year | ~$170 |
Status and included memberships
- Hertz President's Circle Status — Complimentary Hertz President's Circle elite status with skip-the-counter privileges and upgrades
- The Cultivist Enthusiast 50% Off — 50% off The Cultivist Enthusiast membership for up to 2 years. The Cultivist provides access to museum memberships, exclusive art events, and curated cultural experiences. Activate via your Capital One account benefits page.
- Complimentary PRIOR Subscription — Complimentary subscription to PRIOR, a luxury travel platform offering curated trips and unique experiences ($149 annual value). Activate via your Capital One account benefits page.
- Priority Pass Membership — Unlimited access to 1,300+ lounges worldwide with ability to bring 2 guests
- Capital One Lounge Access — Unlimited access to Capital One Lounges with ability to bring 2 guests
Protections and insurance
Coverage terms below are summaries. Insurance benefits are governed by a separate guide to benefits document from the issuer, and the exclusions in that document are what actually decide a claim.
- Cell Phone Protection — Up to $800 per claim ($50 deductible) for cell phone damage or theft when paying monthly bill with card. Max 2 claims per 12 months.
- Trip Delay Reimbursement — Up to $500 per person for hotel, meals, and essentials when common carrier travel is delayed 6+ hours or requires overnight stay. Must purchase travel with the card.
- Lost Luggage Reimbursement — Up to $3,000 per covered trip for luggage lost or damaged by the common carrier. Must purchase travel with the card.
Questions people ask about the Capital One Venture X
What is the annual fee on the Capital One Venture X?
The Capital One Venture X has a $395 annual fee.
What statement credits does the Capital One Venture X include?
It carries 3 recurring statement credits worth $430 a year in total: $300 Annual Travel Credit ($300, resets on the cardmember year); $100 Premier Collection Credit ($100, resets on the cardmember year); Global Entry/TSA PreCheck Credit ($30, resets on the cardmember year). Verified 2026-09-20.
What does the Capital One Venture X earn?
10x on car rental (c1travel), 10x on hotel (c1travel), 5x on airline (c1travel), 2x on other, and 2x on everything else, in Capital One Miles.
Is the Capital One Venture X worth the annual fee?
Its recurring statement credits total $430 a year against a $395 fee, so the card pays for itself on credits alone if you use 92% of them. Whether that holds depends on whether the specific merchants suit you — the credit table on this page lists each one.
Does the Capital One Venture X charge foreign transaction fees?
No — the Capital One Venture X has no foreign transaction fee.
Other Capital One cards
Capital One QuickSilver
Capital One Savor
