Capital One · Visa
Capital One Venture X
Annual Fee
$395
up to $300/yr in credits if you use them
$150/yr arrives automatically
Sign-Up Bonus
$1,125
Current offer shown; issuer determines eligibility.
Spend $4,000 in 3mo
Terms apply.
Base Rate
2x
on everything
Best For
Flat-rate travel earners — 2x miles, $300 travel credit
Sign-Up Bonus
Bonus: 75,000 miles
Requirement: Spend $4,000 in 3 months
Estimated value: $1,125Terms apply. Current offer shown; issuer determines eligibility.
Reward Categories
Hotels/cars via Capital One
Flights via Capital One
Point value: ~1.5¢ each
Key Benefits
Arrives automatically
10,000 miles deposited automatically each card anniversary (~$150 at 1.5¢)
Credits — if you use them
Book via Capital One Travel portal for automatic credit
Perks (not counted in our math)
Cardholder entry free; since 2026-02-01 guests cost $45 each ($25 under 18) and authorized users need a $125/yr add-on — free guests only at $75k/yr spend
Register at prioritypass.com with your card — cardholder free; guests $35 each since 2026-02-01
Apply at ttp.cbp.dhs.gov, pay with this card for credit; shown at its ~$30/yr annualized value
Decline rental counter insurance — your card covers it
Pay your phone bill with this card for coverage
Pros & Cons
Pros
- + 2x on everything
- + Great lounge access
- + $300 travel credit + 10k bonus miles
- + Good transfer partners
Cons
- - Higher fee than some competitors
- - Transfer partners not as strong as Chase/Amex
- - Capital One lounges limited
Transfer Partners
Points transfer to 10 airline and hotel partners — often where the highest redemption values live.
Rates and fees may vary.See current rates, fees, and terms on Capital One's site
Recommended credit score: 720+
Advertising disclosure: we may earn a commission if you apply through this link. This does not affect your ranking. Full disclosure
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Written by Tim · Data verified against issuer terms · Last checked Sep 14, 2026 · Methodology v2026.09.1
Card information is collected independently and has not been reviewed or provided by the card issuer. Terms apply to the offers listed on this page. See our disclosure for details.