Capital One · Visa
Capital One Venture X
Flat-rate travel earners — 2x miles, $300 travel credit
$395 annual fee up to $300/yr in credits if you use them $150/yr arrives automatically
Why people consider it
- 2x on every purchase.
- Points transfer to 10 airline and hotel partners.
- Simple 2x on everything.
Current welcome offer
Welcome offer: 75,000 miles≈ $1,125 at our typical valuation
Requirement: Spend $4,000 in 3 months
Tell us what you normally spend and we’ll check it against this requirement. Find a card →
Current offer shown; issuer determines eligibility.
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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Is this card worth it?
Ongoing value
$1,483/year
for the sample household ($4,800/month) · points at typical value
First-year value
$2,608 first year
Includes: +$1,125 welcome offer (75,000 miles at our typical value)
Also counts $150 in anniversary miles — deposited automatically at your first account anniversary (the end of month 12), so it sits in both the ongoing and the first-year figure.
$1,125 is one-time. $1,483/year is ongoing.
To earn the bonus: spend $4,000 in 3 months.
Offer verified: Nov 4, 2026
Worth considering if you already want this type of card.
- Full annual fee:
- $395, charged in full — credits count only if you use them
- Major trade-offs:
- Higher fee than some competitors Transfer partners not as strong as Chase/Amex
- Against a no-fee alternative:
- The fee earns its keep. Capital One Venture X nets $331 more per year than the best $0-fee option (Citi Double Cash), after its fee. (The sample household; run your own numbers.)
Detailed research
Full reward table and category caps
Hotels/cars via Capital One
Flights and vacation rentals via Capital One Travel
Capital One Entertainment tickets via Capital One
Point value: ~1.5¢ each
Optional benefits and credits
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 monthly wireless bill with the card: up to $800 per claim, $50 deductible, two claims and $1,600 per 12 months
Redemption and transfer information
Points transfer to 10 airline and hotel partners — often where the highest redemption values live.
Approval and bonus eligibility caveats
Recommended credit score: 720+ — the issuer decides every application.
Issuer verification source
Rates and fees may vary.See current rates, fees, and terms on Capital One's site
Detailed methodology
Net annual value = rewards on a spending profile at typical point value − the full annual fee; credits count only if you tell us you use them; a welcome offer counts once, in year one, only where the profile meets its requirement. Same math as Find a Card. Methodology v2026.09.4.
Editorial review and disclosures
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
Written by Tim · Data verified against issuer terms · Last checked Nov 4, 2026 · Methodology v2026.09.4
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.