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Capital One · credit
Last updated
Typically needs excellent credit (guideline, not a guarantee)
Is the Venture X worth keeping when the fee hits? →
Welcome offer — 75,000 miles after $4,000 spend in 3 months (offer rotates) Verified by source
Portal caveat — Capital One Travel averages ~0.76% above booking direct; portal redemptions are worth less than the headline rate.
Recently changed — 1 update. See below ↓
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What this card delivers across six value dimensions (0–100, normalized).
| 10× | Hotels & rental cars via Capital One Travel Inferred by source |
|---|---|
| 5× | Flights & vacation rentals via Capital One Travel Inferred by source |
| 5× | Capital One Entertainment Verified by source |
| 2× | Everything else Inferred by source |
Capital One miles points transfer to these loyalty programs. Mostly 1:1 (Accor 2:1). Inferred by source
| Airlines (16) | |
|---|---|
| Hotels (3) |
| Capital One Travel credit | $300/yr · annual Inferred by source |
|---|---|
| Anniversary bonus miles | $100/yr · annual Inferred by source |
Which of these will you actually use?
Pre-checked = a typical cardholder captures it. Uncheck the ones you won't.
Heads up: Priority Pass isn't automatic — the card makes you eligible, but you must enroll and activate your Priority Pass membership through your card's benefits portal first. Without that step you won't get in, even with the card.
| Premier Collection | Up to $100 experience credit, daily breakfast/credit, room upgrades, early check-in/late checkout (via Capital One Travel) Verified by source |
|---|---|
| Lifestyle Collection | Up to $50 experience credit, complimentary Wi-Fi, possible upgrades/early check-in Verified by source |
| Rental car CDW | Up to $75,000 (primary) Inferred by source |
|---|---|
| Trip cancellation | Up to $2,000/person (nonrefundable common-carrier tickets) Inferred by source |
| Trip delay | Up to $500/passenger (>6 hours or overnight) Inferred by source |
| Baggage | Up to $3,000/passenger lost/damaged Inferred by source |
| Travel accident | Up to $1,000,000 Inferred by source |
| Purchase protection | Up to $10,000/claim, $50,000/year; damage or theft of eligible new purchases within 90 days of purchase Verified by source |
| Extended warranty | Extends eligible manufacturer warranties of 3 years or less by 1 additional year; max $10,000/claim, $50,000/account/year Verified by source |
| Cell phone protection | Up to $800/claim (max 2 claims, $1,600/12-month period) for damage, theft, or loss; $50 deductible; monthly bill must be paid with card Verified by source |
| Return protection | Up to $300/item, $1,000/year when retailers refuse returns within 90 days Verified by source |
Live figures above reflect what's true today; announced changes are flagged, not pre-applied. See all recent changes →
*Realized/net assume full use of non-spend-gated credits — an upper bound. Personalize it
The Capital One Venture X has a $395 annual fee.
Using its non-spend-gated credits fully, the Capital One Venture X returns about $400 in value against its $395 annual fee — a net of +$5 per year. It can pay for itself if you actually use the credits.
The Capital One Venture X earns 10x on hotels & rental cars via capital one travel, 5x on flights & vacation rentals via capital one travel, 5x on capital one entertainment.
Yes. The Capital One Venture X grants access to Capital One, Priority Pass.
No — the Capital One Venture X has no foreign transaction fee, so it's a good card to use abroad.
75,000 miles after $4,000 spend in 3 months (offer rotates). Welcome offers change frequently — confirm the current one on the issuer's page before applying.
Yes. Most recent change (announced 2026-01-15): Lounge access tightened: authorized users no longer get free lounge access ($125/yr each), complimentary guest access removed unless $75k annual spend, and Priority Pass guest access ended.