Capital One Venture X benefits guide: Packed with premium perks for a lower fee than its peers

The Capital One Venture X Rewards Credit Card * The information for the Capital One Venture X Rewards Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. is a compelling option for travel rewards aficionados, especially since it offers premium travel benefits while charging less than the competition. Among its many perks is airport lounge access, a generous annual travel credit and travel protections. Let’s take a look at all the Capital One Venture X benefits as this card has a lot to offer.

Capital One Venture X overview

The Capital One Venture X card may charge a $395 annual fee, but in return you get no-fuss rewards earning and a swath of high-end travel benefits. With an unlimited 2 miles per $1 on purchases, 5 miles per $1 on flights booked through Capital One Travel and on purchases through Capital One Entertainment and 10 miles per $1 on hotels and rental cars booked via Capital One Travel — it’s easy to rack up the rewards. Combine this with the travel perks, and it’s clear why the Venture X has made a name for itself as one of the best credit cards on the market.

Major Capital One Venture X benefits

Welcome offer

The current welcome offer for the Capital One Venture X card is fairly generous:

• Earn 75,000 miles after spending $4,000 on purchases in the first three months of account opening.

Welcome offers can and do change periodically, and this is one of the better ones available, so if you’re interested in applying for the card it’s better to do so sooner rather than later. At a minimum, this bonus is worth several hundred dollars towards travel when booked through Capital One Travel. However, those miles can increase in value when you transfer them to Capital One’s airline and hotel partners which may offer higher redemption values.

Earn Capital One miles

The Capital One Venture X card earns 2 miles per $1 on purchases, 5 miles per $1 on flights booked through Capital One Travel and on purchases through Capital One Entertainment and 10 miles per $1 on hotels and rental cars booked via Capital One Travel.

Capital One miles are a type of flexible point currency, which means they can be redeemed in a number of ways. This can make them easier to redeem than points you’ll find on other rewards credit cards.

For example, your miles can be used to book travel through the Capital One Travel portal or cover eligible travel purchases made with your card. You can also transfer them to one of Capital One’s hotel and airline partners.

There are other redemption options, too, like buying gift cards and shopping at select retailers, but these generally don’t offer the best value for your miles.

Annual $300 travel credit

Although the travel credit offered by the Capital One Venture X is more limited than some others as the credit only applies to purchases made through the Capital One Travel portal, it can still provide great value to cardholders. Each year, cardholders can receive a $300 credit for travel booked via Capital One’s travel portal — whether that’s on flights, hotels or rental cars. 

Anniversary bonus

A 10,000-mile bonus is awarded on every card anniversary year, which members can redeem however they see fit. At a minimum, this is worth $100 towards travel.

Airport lounge access

Frequent travelers will benefit from the airport lounge access the Capital One Venture X provides, as it’s more comprehensive than competitors such as the Chase Sapphire Reserve®.

Not only will cardholders receive a Priority Pass Select membership upon enrollment (which allows unlimited entry to 1,300+ lounges for themselves and two guests), they’ll also have access to Plaza Premium Group and Capital One lounges.

What’s the big deal about an airport lounge? Here’s what you need to know about the perks of Priority Pass Lounge access

Travel insurance

Travel includes a lot of moving parts, which is why having travel insurance can save you a lot of headaches—and money—when things go awry. The Capital One Venture X offers complimentary and comprehensive travel insurance¹, including:

• Primary rental car insurance.
• Trip cancellation insurance.
• Trip protection insurance.
• Trip delay reimbursement.
• Lost luggage insurance.
• Emergency assistance services.
• Travel accident insurance.

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Chase Sapphire Reserve®

BLUEPRINT RATING

Our ratings are based on specific use cases for each card. We compared this card to others in the same category and developed our rankings based on this criteria, along with our editorial input. Note that although we chose this card as the best in its category, the right card for you will depend on your own financial circumstances.

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On Chase Bank USA, NA’s secure website

BLUEPRINT RATING

Our ratings are based on specific use cases for each card. We compared this card to others in the same category and developed our rankings based on this criteria, along with our editorial input. Note that although we chose this card as the best in its category, the right card for you will depend on your own financial circumstances.

Welcome bonus

Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $1,125 toward travel when you redeem through Chase Travel℠.

75,000 bonus points

Annual fee

$550

Regular APR

22.49%-29.49% Variable

Credit score

Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

(700 – 749) Good, Excellent

Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining. Earn 1x points on all other purchases.

Editor’s take

Pros

• Up to $300 annual travel credit and Priority Pass Select lounge access.
• Redeem points for 50% more value to book travel through Chase Travel℠.
• Transfer points 1:1 to partners such as United Airlines and World of Hyatt.

Cons

• High annual fee.
• Not ideal if you aren’t interested in transferring points.
• May not qualify if you’ve applied for 5 or more credit cards in the last 24 months.

Card details

• Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $1,125 toward travel when you redeem through Chase Travel℠.
• $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
• Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
• Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 75,000 points are worth $1125 toward travel.
• 1:1 point transfer to leading airline and hotel loyalty programs
• Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Member FDIC

Additional benefits worth noting

TSA PreCheck/Global Entry credit

Like many other luxury travel credit cards, the Capital One Venture X will offer up to a $100 statement credit for TSA PreCheck or Global Entry. You simply need to pay for the application fee using your card and the credit will automatically reimburse you up to $100 for the expense. The credit is valid once every four years.

Luxury hotel benefits

Capital One’s Premier Collection gives you elite status-like benefits at eligible, high-end properties. Available only to those with either the Capital One Venture X card or the Capital One Venture X Business Card * The information for the Capital One Venture X Business Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. , members can receive benefits such as an up to $100 experience credit, room upgrades (when available), complimentary breakfast and more. Bookings must be made through Capital One Travel to qualify.

Rental car elite status

Capital One Venture X cardholders can also enroll to receive complimentary top-tier Hertz President’s Circle status².

PRIOR subscription

A subscription to PRIOR magazine usually costs $149 per year, while cardholders are granted a complimentary subscription.

The Cultivist membership

With a complimentary six-month Enthusiast membership to The Cultivist, cardholders can access more than 60 of the world’s museums without spending a dime.

Shopping protections

Sometimes bad things happen to the things you buy, whether that means your cellphone gets stolen or your toaster quits working as soon as the warranty expires. The Capital One Venture X mitigates this with shopping protections such as an extended warranty, cell phone insurance, return protection and more.¹

No foreign transaction fees

Those who travel abroad will be glad to know that the Capital One Venture X card doesn’t charge any foreign transaction fees, so you can make your purchases without paying an extra 1% to 3% surcharge when traveling.

Frequently asked questions (FAQs)

^{¹For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.}

^{²Upon enrollment, accessible through the Capital One website or mobile app, eligible cardholders will remain at upgraded status level through December 31, 2024. Please note, enrolling through the normal Hertz Gold Plus Rewards enrollment process (e.g. at Hertz.com) will not automatically detect a cardholder as being eligible for the program and cardholders will not be automatically upgraded to the applicable status tier. Additional terms apply.}