The Capital One Venture X Rewards Credit Card is a premium choice for luxury credit card enthusiasts.
This card offers a range of straightforward benefits that justify its value over time. Additionally, it accumulates Capital One Miles, renowned for their flexibility as travel rewards.
Consider reading our detailed guide for an in-depth understanding of this exceptional credit card.
Capital One Venture X Rewards Credit Card Highlights
Let’s dive into the key highlights of the Capital One Venture X Rewards Credit Card:
- You can earn 75,000 bonus miles by spending $4,000 on purchases within the first 3 months of account opening. This is equivalent to $750 in travel rewards.
- Enjoy a $300 annual travel credit for bookings made through Capital One Travel, ensuring you access the best prices on a wide array of travel options.
- Starting from your first anniversary, receive 10,000 bonus miles every year, which equals $100 towards your travel expenses.
- Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked via the same platform.
- All other purchases earn you an unlimited 2X miles, ensuring every expense contributes to your travel goals.
- You and two guests will receive unlimited complimentary access to over 1,300 lounges worldwide, including Capital One Lounges and the Partner Lounge Network.
- Use your Venture X miles to cover various travel expenses, such as flights, hotels, and rental cars. You can also transfer your miles to over 15 travel loyalty programs.
- Enhance your hotel experiences with special cardholder benefits in the Premier or Lifestyle Collections, including experience credits, room upgrades, and more.
- Benefit from up to a $100 credit for Global Entry or TSA PreCheck®, making your travel experience smoother and more enjoyable.
Now, let’s explore why the Capital One Venture X Rewards Credit Card is the perfect fit for you.
Capital One Venture X Rewards Credit Card: A Closer Look
The Capital One Venture X Rewards Credit Card marks the company’s entry into premium travel rewards, offering an impressive array of benefits.
This card is a strong contender for travelers of all types, from those seeking luxury to budget-conscious adventurers, thanks to its competitive annual fee and straightforward perks.
Competing with the Best
Positioned alongside other premium cards like the American Express Platinum Card® and Chase Sapphire Reserve®, the Venture X stands out with its attractive travel benefits and lower annual fee of $395.
Exclusive Lounge Access
One of Venture X’s highlights is the access it provides to Capital One’s expanding network of airport lounges, including locations at Dallas Fort Worth International Airport, Washington D.C.’s Dulles International Airport, and Denver International Airport.
Cardholders enjoy unlimited complimentary access to these lounges and over 1,300 Priority Pass partner lounges for themselves and two guests.
Ideal for Certain Travelers
Venture X might be the perfect choice for those frequenting Dallas, Fort Worth, Dulles, or Denver airports.
However, it’s important to note that this card requires excellent credit, with a recommended score of 740 or above.
Pros and Cons of CapitalOne VentureX Rewards
Pros:
- More affordable annual fee compared to other premium cards.
- Celebratory miles each anniversary.
- Option to add extra cardholders at no additional cost.
- Extensive lounge access for cardholders.
- $300 yearly credit for bookings through Capital One Travel.
Cons:
- Top bonus categories are limited to travel booked through Capital One Travel.
- Earns 2 miles per dollar on all other purchases.
If you’re looking for a premium travel card that offers significant value without breaking the bank, the Capital OneVenture X Rewards Credit Card might be the answer.
Capital One Venture X Welcome Offer
The Venture X card from Capital One offers a generous sign-up bonus of 75,000 bonus miles when you spend $4,000 within the first three months of account opening.
This bonus is slightly lower than the initial launch offer, but it still provides excellent value, especially when transferring miles to airline and hotel partners. With the current valuation, 75,000 miles are worth approximately $1,388.
Alternatively, you can use the miles for direct travel bookings at a rate of 1 cent per mile, equating to a $750 value for the sign-up bonus.
Benefits
The Venture X card has a $395 annual fee, which is lower than some premium cards.
Despite the fee, the card offers numerous benefits that can easily outweigh the cost:
- Annual Travel Credit: Receive $300 in travel credits each year for bookings made through Capital One Travel.
- Anniversary Miles: Earn 10,000 bonus miles every year on your account anniversary, starting from the first year, which can be redeemed for at least $100 in travel.
- Lounge Access: Enjoy complimentary access for you and up to two guests per visit to Capital One Lounges and partner network lounges.
- Additional Cardholders: Add extra cardholders at no extra cost, and earn rewards on their spending.
- Luxury Hotel Benefits: Access to the Capital One Premier Collection and Lifestyle Collection, offering benefits like room upgrades and experience credits.
- Rental Car Status: Primary cardholder and authorized users get complimentary Hertz President’s Circle status.
- TSA PreCheck or Global Entry: Receive up to $100 in statement credits for TSA PreCheck or Global Entry.
- Trip Delay Reimbursement: Get up to $500 per person for expenses incurred during a trip delay of more than six hours.
- Cellphone Protection: Pay your monthly wireless bill with the card to protect your cellphone, with a $50 deductible per occurrence.
- Auto Rental Coverage: Benefit from built-in auto rental collision damage waiver coverage when renting with your Venture X card.
- Extended Warranty Protection: Automatically extend qualifying product warranties when purchasing with your card.
- Return Protection: Enjoy 90 days of return protection for qualifying purchases made with your card.
How to Apply
Applying for the Capital One Venture X Rewards Credit Card is a simple process. Here’s how you can get started:
- Check Your Credit Score: Ensure your credit score is in good standing, as this card typically requires an excellent credit rating.
- Gather Your Information: Have your personal details, financial information, and employment data ready.
- Visit the Capital One Website: Navigate to the official Capital One website and locate the Venture X Rewards Credit Card page.
- Fill Out the Application: Complete the application form with your information and review it for accuracy.
- Submit the Application: Once you’ve reviewed your details, submit your application for consideration.
- Wait for Approval: Capital One will review your application and notify you of their decision. If approved, your card will be mailed to you.
Credit Score Requirements
To increase your chances of getting approved for the Venture X Capital One Rewards Credit Card, aim for a very good to excellent credit score.
The FICO® Score model, widely used for credit evaluations, categorizes scores as follows:
- Very poor: 300 to 579
- Fair: 580 to 669
- Good: 670 to 739
- Very good: 740 to 799
- Excellent: 800 to 850
For optimal approval odds for the Capital One Venture X Card, aim for a credit score of 740 or higher, but consider other factors like income and your relationship with Capital One.
Capital One typically allows holding two personal cards at once, excluding small business and co-branded cards like the Capital One Spark Miles for Business or the Capital One Walmart Rewards® Mastercard®.
You’re ineligible for this card if you’ve received a Capital One Venture X welcome bonus in the last 48 months.
Top Competitors of the Capital One Venture X Rewards Credit Card
The Venture X CapitalOne competes with several other premium travel cards, each offering different perks and benefits:
- For more benefits: The American Express Platinum Card is a strong contender, offering extensive airport lounge access and a wide array of benefits. These perks can easily justify the card’s $695 annual fee. For a detailed analysis, read our full review of the American Express Platinum Card.
- For more travel and dining rewards: The Chase Sapphire Reserve is another alternative. It offers bonus points on travel and dining purchases, with rates similar to the Venture X when booking through the Ultimate Rewards travel portal. Specifically, you can earn 10 points per dollar on hotel and car rental purchases and 5 points per dollar on airfare, plus 3 points per dollar on other travel and dining expenses. For more information, refer to our full review of the Chase Sapphire Reserve.
- For a lower annual fee: If you’re looking for a card with a lower annual fee, the Capital One Venture Rewards Credit Card is a good option. It has a $95 annual fee and offers a similar earning rate of 2 miles per dollar on purchases. Additionally, it includes a credit for Global Entry or TSA PreCheck. For further details, read our full review of the Capital One Venture Rewards Credit Card.
Ultimately, the choice depends on your specific travel preferences and financial priorities.
Contact Information
If you need to contact Capital One regarding their Venture X Rewards Credit Card, here’s the information you’ll need:
- Office Location:
Capital One Trade Credit
One Monument Square, Suite 800
Portland, Maine 04101 - Mailing Address:
Post Office Box 17825
Portland, Maine 04112 - Customer Service Phone Number:
(888) 321-6698
Monday–Friday, 7am–8pm (ET)
Saturday, 8am–5pm (ET)
For any inquiries or assistance, you can reach out to Capital One Trade Credit through the provided phone number, email, or mailing address.
Final Thoughts
The Capital One Venture X Rewards Credit Card stands out as a top choice for those seeking a premium travel rewards card, thanks to its straightforward rewards, exceptional lounge access, and overall great value.
The card also offers a variety of lesser-known perks, such as Visa Infinite benefits, which provide comprehensive coverage for trips, luggage, car rentals, and purchases.
With an expanding network of airport lounges, the option to add cardholders at no extra cost (see rates and fees), a strong lineup of transfer partners, and access to a luxury hotel program, this card is an obvious choice for many travelers.
Disclaimer
This information is for guidance only and does not constitute financial advice. Terms for the Capital One Venture X Rewards Credit Card may change. Always check the official website before applying.
