Capital One Venture X Rewards Credit Card

The Venture X is Capital One's answer to the Sapphire Reserve and Amex Platinum, a metal $395 travel card that earns 2x miles flat on everything, plus 10x on hotels and 5x on flights when booked through Capital One Travel. A $300 annual travel credit and a 10,000-mile anniversary bonus bring the effective fee to roughly $95 a year for someone who actually uses the portal, the lowest premium-travel net of the big three. The lounge story was once the headline draw, but Capital One ended free guest access in early 2025, so today the card suits a solo traveler best.

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Capital One Venture X Rewards Credit Card card art

Metal card

Annual fee

$395

$32.92/mo equivalent
Welcome offer

75,000 miles

≈$1,125 at our valuation
after $4,000 in 3 months
Recommended credit

720-800

Median 740. See why →

Earning rates

on Capital One Miles

10x

Hotels Via Portal
5x

Flights Via Portal
2x

Everything else

Benefits and credits

Travel credits and perks

10,000 anniversary miles

$100/year
Annual Capital One Travel credit

$300/year
Global Entry or TSA PreCheck credit

$120 every 4 years
Lifestyle Collection $50 experience credit

$50
Premier Collection $100 experience credit

$100

Purchase and protection benefits

Cell phone protection

Lounge access

Capital One Lounges

Unlimited visits
Priority Pass Select

Unlimited visits

Elite status conferred

hertz

Hertz President's Circle

Travel and purchase coverage

Rental car collision damage waiver

$75,000

Primary coverage

Pricing and fees

Full Pricing and Terms

Purchase APR: 19.49% to 28.49%
Foreign tx: None
Penalty APR (cap): Not disclosed
Balance transfer: 19.49% to 28.49%; Fee 0.00%
Cash advance: 28.49%; Fee $5 or 5.00%, whichever is greater
Late / returned: $40 · $0

Eligibility and application

Card type

Unsecured personal card
Pre-qualification

Soft-pull pre-qualification available
Application inquiry

Hard credit inquiry on submission
Approval bureau

Not disclosed by issuer
Authorized user fee

Free
Reports AU to bureaus

Yes

No published age restriction.
Issuer policy

How the recommended credit score is derived

Reported by users, not disclosed by the issuer. Synthesized from community-reported approval data points and cross-checked against industry editorial guidance for consensus.

4 data points reviewed

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Capital One Venture Rewards Credit Card

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The Venture Rewards is Capital One's workhorse travel card, built around one idea: a flat 2X miles on everything with none of the category tracking a tiered card demands.

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Chase Sapphire Reserve

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The Sapphire Reserve sits at the premium tier of Chase's Ultimate Rewards ecosystem at $795 a year, built for travelers who book through Chase Travel and want a lounge network behind the math.

$795 annual fee

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Delta SkyMiles Platinum American Express Card

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Delta Platinum is the cobrand for Delta loyalists who want a real path to Medallion status without paying for the Reserve.

$350 annual fee

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Sources

Data current as of May 15, 2026 Report an inaccuracy

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Not financial advice

ccdeck is not a financial advisor. Information here is for educational purposes only. Confirm card terms with the issuer before applying.