Capital One Venture X Rewards review

Venture X is the strongest overall pick because its yearly perks are easy to use and the fee is lower than other cards with full lounge access. Capital One charges a $395 annual fee, and each year gives a $300 credit for hotels, flights, vacation rentals and more booked through Capital One Travel, plus 10,000 bonus miles from the first anniversary, which Capital One says equals $100 toward travel. New cardholders can earn 75,000 bonus miles after spending $4,000 on purchases in the first 3 months. Every purchase earns 2X miles, and bookings through Capital One Travel earn 10X on hotels and rental cars and 5X on flights and vacation rentals. Primary cardholders get Capital One Lounges and more than 1,300 Priority Pass lounges, a Global Entry or TSA PreCheck credit of up to $120, and cell phone protection of up to $800. Miles transfer to 15+ travel loyalty programs. The main limit is that the credit only works through Capital One's own portal.

Who it is for

Frequent flyers who want lounge access and premium travel credits for a lower annual fee than other premium cards.

Price

$395 annual fee.

Annual Fee $395
Quoted from the vendor pricing page on November 8, 2026.

Key features

• 75,000 bonus miles after $4,000 in purchases in the first 3 months
• $300 annual credit for travel booked through Capital One Travel
• 10,000 bonus miles every year, starting on the first anniversary
• Capital One Lounges and 1,300+ Priority Pass lounges for primary cardholders
• 2X miles on all purchases, 10X on hotels and rental cars and 5X on flights booked through Capital One Travel

Strengths and weaknesses

• Strength: The travel credit and anniversary miles can offset most of the fee
• Strength: Unlimited 2X miles on every purchase keeps earning simple
• Strength: No foreign transaction fees and up to $800 of cell phone protection
• Weakness: The $300 credit only applies to bookings through Capital One Travel
• Weakness: Lounge access is for primary cardholders, and access is subject to space
• Weakness: Transfer partners are fewer than at Chase or American Express

Key facts

• Annual fee: $395
• Welcome bonus: 75,000 miles after $4,000 in 3 months
• Base earning: 2X miles on all other purchases
• Lounge access: Capital One Lounges and 1,300+ Priority Pass lounges
• Foreign transaction fee: None

Where it ranks

Capital One Venture X Rewards is No. 1 in our Best Travel Credit Cards verdict.