All about the Capital One Venture X credit card

September 8, 2026|9 min read

Whether it’s a two-month journey across the globe or a two-day return to your hometown, the Capital One Venture X card can reward you every step of the way.

What you’ll learn:

New Venture X cardholders can earn a 75,000-mile bonus—plus enjoy elevated benefits, including a $300 annual Capital One Travel credit and a 10,000-mile anniversary bonus.
Venture X cardholders who book through Capital One Travel earn unlimited 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals.
Venture X cardholders can access elevated hotel and vacation rentals through both the Premier Collection and Lifestyle Collection from Capital One Travel.
Venture X primary cardholders can enjoy complimentary access to Capital One Lounges and Landings and 1,300+ lounges worldwide through their Priority Pass™ membership after enrollment.

Capital One Venture X rewards credit card

Venture X is a travel credit card with elevated rewards to take you further. For a $395 annual fee, cardholders can earn unlimited miles and redeem them for travel bookings, gift cards, cash and more. View important rates and disclosures.

Miles don’t expire for the life of the account. And cardholders can access exclusive airport benefits and receive anniversary bonus miles.

Who is the Venture X card good for?

If you have excellent credit and are a frequent traveler, the Venture X card might be a good fit.

Venture X card rewards and benefits

Turn your daily spending into your next getaway. With the Venture X card, you’ll earn unlimited 2X miles on everyday purchases, plus premium travel benefits when you book through Capital One Travel.

Here’s a closer look at Venture X:

Bonus miles and rewards

With the Venture X card, you can earn bonuses and enjoy elevated rewards, including:

New cardholder bonus: 75,000 bonus miles when you spend $4,000 within three months of opening your account.¹
Anniversary bonus: 10,000 bonus miles every year, starting on your first anniversary.
Travel credits: $300 annual credit to use through Capital One Travel.

Premium stays

Venture X cardholders have additional access to the luxury hotels, resorts and vacation rentals of the Premier Collection from Capital One Travel.² That includes:

$100 experience credit to use on activities like dining at hotel restaurants, fridge stocking at vacation rentals, and other activities unique to each stay
10X miles on hotels booked through Capital One Travel
5X miles on vacation rentals booked through Capital One Travel
Daily complimentary breakfast for two at hotels
Hotel room upgrades and early check-in and late checkout when available

Venture X cardholders also have access to the stylish hotels and vibrant vacation rentals of the Lifestyle Collection, which come with a $50 experience credit and other premium benefits on every stay.³

Elevated travel benefits

These premium travel benefits are also available for eligible Venture X cardholders:

Airport lounge access: Access to Capital One Lounge and Landing locations. Relax and recharge in luxurious wellness spaces and shower suites and enjoy locally sourced food and beverages and other amenities. Plus, access more than 1,300 lounges worldwide with a Priority Pass membership.⁴
No hidden fees: There are no foreign transaction fees when making purchases outside the United States. View important rates and disclosures.
Global Entry or TSA PreCheck® reimbursement: Up to a $120 statement credit on your application fee for Global Entry or TSA PreCheck when you use your Venture X card.⁵
Hertz President’s Circle® status: Complimentary Hertz® Gold+™ status upgrade, which offers expanded rental options, car upgrades and more.⁶

Sitting area in the Capital One Lounge at John F. Kennedy International Airport in Queens, New York.

Capital One Travel benefits

You’ll earn elevated rewards when you use Capital One Travel to book flights, hotels, vacation rentals and rental cars. That means:

Unlimited 10X miles on hotels and rental cars
Unlimited 5X miles on flights and vacation rentals
Unlimited 2X miles on all other purchases, every day

Flight price prediction features can help you save an average of 15% by alerting you when it’s time to book.⁷

Additional Venture X benefits from Visa Infinite®

As part of the Visa Infinite network, the Venture X card gives you extra coverage and access to a concierge for help with reservations and event tickets. Here’s a snapshot of some of the benefits that you enjoy as a Venture X cardholder.⁸

Cellphone protection

Protect your cellphone every time you pay your bill with your Venture X card. If your phone is stolen or damaged, you could get reimbursed up to $800, subject to a deductible and additional terms, conditions and exclusions.

Trip cancellation

You’ll have peace of mind with trip cancellation and interruption coverage, which will reimburse eligible travel expenses if your plans are affected by a medical emergency such as the illness or death of an immediate family member.

Return protection

Keep your options open with 90 days of return protection, which helps when you make a qualifying purchase with your Venture X card that the retailer won’t accept back.

Extended warranty protection

You can receive additional warranty protection at no charge on eligible items that are purchased with your Venture X card.

Travel accident insurance

Get automatic insurance for a covered loss at no extra charge when you use your Venture X card to purchase your travel fare.

Auto rental collision damage waiver

Rent an eligible vehicle with your card and you could be covered for damage due to collision or theft.

Visa Infinite concierge

Want a hand with dinner reservations? Looking for tickets to a show or sporting event? Need gift ideas or flower delivery? A Visa Infinite concierge can help with it all.

Exclusive access for Venture X cardholders

Your card also gives you access to exclusive events and complimentary memberships to make your trip unforgettable.

The Cultivist partnership

Eligible cardholders can enroll online with The Cultivist to receive 50% off an Enthusiast membership for up to two years. The offer is worth up to $440, and it includes free entry for members and a guest to 60 of the world’s leading museums, including The Met and MoMA in New York.

Complimentary Vinous subscription

Eligible Capital One Venture X cardholders can sign up for a complimentary 6-month premium subscription to Vinous, a leading modern wine magazine with tools and resources to help subscribers enjoy wine to its fullest.

Capital One Entertainment

Use Capital One Entertainment to get exclusive tickets, VIP event access and more. Whether you’re a sports fan or music lover, there are countless experiences to enjoy. Venture X cardholders earn 5X miles on Capital One Entertainment purchases, and they can also redeem miles to purchase tickets.⁹

Venture X account management and security

Shop with confidence knowing your card is protected with these features:

Additional cardholders

Share Venture X benefits with someone you trust and earn rewards on every dollar they spend by adding a cardholder to your account.¹⁰

$0 liability for unauthorized charges

If your card is lost or stolen and an unauthorized charge shows up on the account, Capital One is here to help. You won’t have to cover expenses for purchases you haven’t authorized.¹¹

Security alerts

Get notified via text, email and phone if Capital One notices potentially suspicious activity on your account.

Virtual cards

Shop online more securely with virtual cards linked to your account. Virtual card numbers can disguise your physical card number and help protect you from potential fraud when shopping online.¹²

A hand with painted fingernails holding out a Capital One Venture X card.

Venture X FAQ

Here are some answers to commonly asked questions about Venture X from Capital One:

What’s the difference between the VentureOne card and the Venture X card?

VentureOne and Venture X are similar travel rewards cards. But they differ when it comes to rewards, bonuses and annual fees.

VentureOne cardholders earn unlimited 1.25X miles on every purchase and 5X miles on hotels and rental cars booked through Capital One Travel. Venture X cardholders earn 2X miles on every purchase, 5X miles on flights and 10X miles on hotels and rental cars booked through Capital One Travel.

VentureOne offers 20,000 bonus miles when you spend $500 on purchases within the first three months. With the Venture X card, you can earn 75,000 bonus miles when you spend $4,000 on purchases within the first three months.¹

The Venture X card offers even more benefits, like access to the extraordinary hotels and vacation rentals from the Premier and Lifestyle Collections. Eligible cardholders can also access 1,300+ lounges worldwide, including Capital One Lounges and participating Priority Pass lounges, after enrollment.^2,3

The Venture X card has an annual fee; the VentureOne card doesn’t. View important rates and disclosures.

Is the Venture X card hard to get?

The Venture X card is for people with excellent credit. If that doesn’t sound like the right fit, you can see if you’ll be approved for other rewards cards from Capital One. Checking for guaranteed card offers is easy, and it won’t impact your credit scores.

Is Venture X worth it?

The Venture X card could be worth it if you’re a frequent traveler with excellent credit—especially if you’re looking for a rewards credit card that offers premium travel benefits, generous bonuses and the option to earn unlimited miles on your purchases.

Key takeaways: Capital One Venture X credit card

Start exploring the world your way with premium travel benefits and unlimited miles. Plus, unlock access to exclusive experiences and events, VIP tickets and more, just for being a Venture X cardholder.

Other ways to maximize your travel benefits

Who wouldn’t want to get the most out of their credit card? Here are some things to know about Capital One travel rewards credit cards:

Earn unlimited 2X rewards miles, plus 75,000 bonus miles, and enjoy flexible redemption and transfer options with the Venture card.
Earn unlimited 1.25X miles with no annual fee with the VentureOne card. View important rates and disclosures.
Explore travel rewards card options by comparing Capital One travel rewards cards.

Footnotes

Learn more about FDIC insurance coverage.

¹Existing or previous cardmembers are not eligible for this product if they have received a new cardmember bonus for this product in the past 48 months.

²Hotels: Premier Collection hotel experience credit will be applied at checkout by hotel to qualifying charges up to $100 USD or the local currency equivalent. Qualifying charges vary by location, are subject to availability, and must be charged to your room during your eligible stay. Contact hotel directly to confirm qualifying experiences - advance reservations recommended for certain experiences.

In addition to the $100 experience credit, other benefits available to eligible cardholders for Premier Collection hotel bookings include: daily breakfast for two, complimentary Wi-Fi, and (when available) room upgrades, early check-in and late checkout. Benefits applied per room, per stay. Hotel terms and conditions apply; a minimum number of nights may be required by the hotel for booking.

Vacation Rentals: Premier Collection vacation rental experience credit will be applied at time of booking the experience by the host provider to qualifying experience charges up to $100 USD or the local currency equivalent. Experiences must be booked with a Capital One credit card. Qualifying experience credit options vary by location and are subject to availability. Contact the host provider directly to confirm qualifying experiences - advance reservations recommended for certain experiences. For certain properties, the experience credit will be provided in the form of a gift card.

In addition to the $100 experience credit, other benefits available to eligible cardholders for Premier Collection vacation rental bookings include: complimentary Wi-Fi, and (when available) early check-in and late checkout. Benefits applied per stay. Back-to-back bookings of the same property within a 24-hour period will be considered one reservation and are not eligible for double benefits. Host provider terms and conditions apply; a minimum number of nights may be required by the host for booking.

Both Hotel and Vacation Rentals: Premier Collection booking must be made through Capital One Travel in the eligible cardholder’s name, with the cardholder as a member of party traveling, to qualify for benefits. Benefits cannot be redeemed for cash or combined with other offers unless specified. Participating properties and benefits are subject to change. Offer not intended for commercial use unless otherwise permitted. We may disqualify any cardholder from participation and benefits at our sole discretion. Additional terms apply; see travel.capitalone.com/terms-of-service for details.

³Hotels: Lifestyle Collection hotel experience credit will be applied at checkout by hotel to qualifying charges up to $50 USD or the local currency equivalent. Qualifying charges vary by location, are subject to availability, and must be charged to your room during your eligible stay. Contact the hotel directly to confirm qualifying experiences - Advance reservations recommended for certain experiences.

In addition to the $50 experience credit, other benefits available to eligible cardholders for Lifestyle Collection hotel bookings include complimentary Wi-Fi, and (when available) room upgrades, early check-in and late checkout. Benefits applied per room, per stay. Hotel terms and conditions apply; a minimum number of nights may be required by the hotel for booking.

Vacation Rentals: Lifestyle Collection vacation rental experience credit will be applied at time of booking the experience by the host provider to qualifying experience charges up to $50 USD or the local currency equivalent. Experiences must be booked with a Capital One credit card. Qualifying experience credit options vary by location and are subject to availability. Contact the host provider directly to confirm qualifying experiences - advance reservations recommended for certain experiences. For certain properties, the experience credit will be provided in the form of a gift card.

In addition to the $50 experience credit, other benefits available to eligible cardholders for Lifestyle Collection vacation rental bookings include: complimentary Wi-Fi, and (when available) early check-in and late checkout. Benefits applied per stay. Back-to-back bookings of the same property within a 24-hour period will be considered one reservation and are not eligible for double benefits. Host provider terms and conditions apply; a minimum number of nights may be required by the host for booking.

Both Hotel and Vacation Rentals: Lifestyle Collection booking must be made through Capital One Travel in the eligible cardholder’s name, with the cardholder as a member of party traveling, to qualify for benefits. Benefits cannot be redeemed for cash or combined with other offers unless specified. Participating properties and benefits are subject to change. Offer not intended for commercial use unless otherwise permitted. We may disqualify any cardholder from participation and benefits at our sole discretion. Additional terms apply; see travel.capitalone.com/terms-of-service for details.

⁴Additional cardholders refers to authorized users and account managers.

To access Capital One Lounges, eligible cardholders must present their physical Venture X card or digital lounge pass, found within the Capital One Mobile app. Access is not guaranteed and is subject to space availability. In order to access Priority Pass lounges, eligible cardholders will need to enroll after card activation. To learn more about lounge access policies, please visit the applicable Terms and Conditions for additional details.

Guests must be accompanied by an eligible cardholder and guests under 18 must be accompanied by an adult. Prices and benefits are subject to change. Additional terms apply. Must be of legal drinking age to consume alcoholic beverages. Please drink responsibly.

⁵To receive a statement credit up to $120, you must use your Venture or Venture X card to either complete the Global Entry application and pay the current application fee, or complete the TSA PreCheck® application and pay the current application fee. Credit will appear within two billing cycles, and will apply to whichever program is applied for first. One statement credit per account every four years, and your account must be open and in good standing when the credit is applied. Fees charged to a VentureOne card are not eligible. Refer to the Application or Account Terms for additional details.

⁶Eligible cardholders must enroll through the unique Benefits Tab link found within the Capital One website or mobile app after logging in. Cardholders can find the link to enroll by visiting their eligible card’s Rewards tab or Capital One Travel Benefits tab and by clicking on the Hertz benefit tile. Upon doing so, a new webpage will open; there, Venture X cardholders will be able to enroll directly in or request an upgrade to Hertz President’s Circle status and Venture cardholders will be able to enroll directly in or request an upgrade to Hertz Five Star status. Authorized users and account managers are eligible for the benefit; the primary account holder can enroll them into the Hertz Gold Plus Rewards program through the same process described above. After successful registration, Hertz will process the request and status will be effective 24-72 hours after registration. Please note, enrolling through the normal Hertz Gold Plus Rewards enrollment process (e.g. enrolling directly 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. Cardholders must go through the above process to be successfully enrolled. Upon enrollment, eligible cardholders will remain at that status level through the duration of the offer, at which point they will be reverted to the level commensurate with Hertz standard usage policies. This offer is subject to change. Hertz Gold Plus Rewards program terms apply.

⁷15% savings represents the average savings based on price prediction and booking recommendation for flights. Savings may vary. Services such as price freeze, change a flight after you book, price prediction, price watch, price drop protection, and price match guarantee are subject to terms and conditions. The availability of these services varies by account and they may not be available on all bookings. Additional fees may apply. See travel.capitalone.com/terms-of-service/ for details.
⁸Visa is a registered trademark of Visa International Service Association and used under license.

⁹To use the Capital One Entertainment ticketing platform, you must be a Capital One cardholder with an eligible rewards-earning credit card, in good standing; at least 18 years old; and either a primary account holder or an account manager for an eligible consumer credit card, or a primary account holder for an eligible small business credit card. Online account required; additional terms apply. For more information, please see Capital One Entertainment’s Terms of Use.
Eligible Quicksilver, QuicksilverOne, Quicksilver Secured, Quicksilver Student, Journey, Capital One Cash, Spark Cash Select, Spark Classic, Spark Cash, Spark Pro, Spark Cash Plus and Spark Business cardholders will earn 5% cash back on Capital One Entertainment purchases. Eligible Venture X, Venture, VentureOne, Capital One Miles, Venture X Business, Spark Miles, Spark Miles Select and Spark Classic Miles cardholders will earn 5 miles per dollar spent on Capital One Entertainment purchases.

Qualifying purchases include tickets purchased on the Capital One Entertainment ticketing platform only, paid for with an eligible card. Tickets purchased through the Capital One cardholder exclusive pre-sales page (www.capitalone.com/pre-sales); tickets purchased directly through the Capital One Hall or Capital One Arena ticketing services; and dining reservations or purchases through Capital One Dining are excluded. Your account must be open and in good standing to earn rewards and rewards earned will post to your account within 1-2 billing cycles. Rewards earned will be reclaimed if you cancel or return an eligible purchase, and the offer is valid for consumer, non-commercial use only. Rewards are subject to the terms and conditions disclosed when you opened your account and any subsequent amendments.

¹⁰The primary account holder is responsible for all transactions made by any authorized user(s) or account manager(s).

¹¹Claims of unauthorized use are subject to verification and investigation.

¹²Some customers will not be eligible to access a virtual card. If you are eligible, you must verify your identity before accessing your virtual card. In some cases, you will not be able to access your virtual card until approximately 30 days after account opening, and you may not have access to your full credit line until your physical card is activated. Web access is needed to manage your virtual card number online or in the Mobile app. Virtual cards may not be accepted by all stores. Eligible customers can also use virtual cards through Google Pay or via the Eno browser extension. Virtual cards through Google Pay are currently available in Chrome for desktop computers (Mac, Windows and Linux), Chrome for Android, and via merchant apps running in the Android OS. Additional availability may be added in the future, including Chrome for iOS. The Eno extension is available only for certain web browsers and enrollment is required.

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