LIVE
30Y FIXED6.85%↑ 0.02·15Y FIXED6.12%↓ 0.01·REFI 30Y6.78%↑ 0.01·HELOC9.20%0.00·JUMBO 30Y7.05%↑ 0.03·HYSA TOP4.85%↓ 0.05·12M CD5.10%0.00·24M CD4.85%↓ 0.02·5Y CD4.40%↑ 0.01·MMA TOP4.65%0.00·AUTO 60M NEW7.10%↓ 0.02·AUTO 60M USED8.45%↑ 0.04·PERSONAL EXC.8.20%0.00·10Y TREASURY4.32%↑ 0.01·30Y FIXED6.85%↑ 0.02·15Y FIXED6.12%↓ 0.01·REFI 30Y6.78%↑ 0.01·HELOC9.20%0.00·JUMBO 30Y7.05%↑ 0.03·HYSA TOP4.85%↓ 0.05·12M CD5.10%0.00·24M CD4.85%↓ 0.02·5Y CD4.40%↑ 0.01·MMA TOP4.65%0.00·AUTO 60M NEW7.10%↓ 0.02·AUTO 60M USED8.45%↑ 0.04·PERSONAL EXC.8.20%0.00·10Y TREASURY4.32%↑ 0.01·
Fintiex
Get started
Credit Cards / Travel
Credit card review

Capital One Venture X Rewards Credit Card Review

Capital OneVisaTravel

Capital One Venture X Rewards Credit Card earned 4.8 / 5 in our 2026 review. The Capital One Venture X Rewards Credit Card earns 10x on hotels capital one travel with a $395 annual fee, a 75,000 miles welcome offer. Here is the full Fintiex review for 2026.

By the Fintiex Card Desk · Updated 2026-05-01
Capital One Venture X Rewards Credit Card credit card
Apply at Capital One Compare all cards
TL;DR
Annual fee
$395
Signup bonus
$750
Top reward rate
10x on hotels capital one travel
Intro APR
None
Issuer
Capital One
Network
Visa
Min credit score
720
Fintiex rating
4.8 / 5
Pros
  • +10x miles on hotels and rental cars booked through Capital One Travel
  • +5x miles on flights booked through Capital One Travel
  • +2x miles on all other purchases
  • +$300 annual travel credit for bookings via Capital One Travel
  • +10,000 bonus miles every account anniversary (worth $100 in travel)
  • +Unlimited Priority Pass lounge access for cardholder and up to 2 guests
  • +Capital One Lounge access
  • +Global Entry or TSA PreCheck credit (up to $120 every 4 years)
  • +Up to $100 experience credit at Premier Collection hotels
  • +Miles transfer to 15+ airline and hotel partners
  • +No foreign transaction fees
  • +Hertz President's Circle status
  • +Travel and purchase protections
Cons
  • -$395 annual fee
  • -Best rates require booking through Capital One Travel portal
  • -Lounge access restricted to Priority Pass and Capital One Lounges
  • -No hotel elite status included
  • -No airline-specific perks (free checked bags, priority boarding)
  • -75,000 mile bonus subject to portal booking requirement

Rewards detail

hotels capital one travel
10x
rental cars capital one travel
10x
flights capital one travel
5x
everything else
2x

Rates and fees

Annual fee
$395
Purchase APR
19.99% to 29.99%
Variable, based on prime rate and creditworthiness
Intro APR
Not offered
Balance transfer APR
19.99% to 29.99%
Cash advance APR
29.99%
Balance transfer fee
4%
Or $5 minimum, whichever is greater
Foreign transaction fee
None
Who it's for

The Venture X Rewards Credit Card is built for people who want a travel card. Most approvals land at FICO 720 and above, but issuers prefer scores near 750. If your credit profile is below the minimum, look at one of the secured or student picks on our hub before applying to avoid an unnecessary hard inquiry.

Not sure this is the right fit? See our best travel cards roundup.

Compare with similar cards

Chase
Sapphire Preferred Card
5x on travel via Chase
$95 fee→
Chase
Sapphire Reserve
10x on chase travel portal
$550 fee→
American Express
Platinum Card
5x on flights amex travel
$695 fee→
American Express
Gold Card
4x on dining
$325 fee→

Frequently asked questions

Does the Venture X Rewards Credit Card have a foreign transaction fee?
No. The Capital One Venture X Rewards Credit Card charges no foreign transaction fees, so it works well for travel abroad. You pay the same network exchange rate you would get at home.
What credit score do I need for the Venture X Rewards Credit Card?
Approvals typically start around a FICO score of 720, but Capital One prefers 750 and above. Income, debt-to-income ratio, and existing relationships with the issuer also factor in.
How much is the Venture X Rewards Credit Card signup bonus?
New cardholders earn 75,000 miles after spending $4,000 in the first few months. Fintiex values that at about $750 based on current redemption rates. Match the bonus to a real planned purchase so you do not overspend chasing it.
Does the Venture X Rewards Credit Card have a 0% intro APR offer?
No. The Capital One Venture X Rewards Credit Card does not currently offer a 0% intro APR period. The standard variable purchase APR is 19.99% to 29.99%. If you need a 0% intro card for a big purchase or balance transfer, check our 0% APR picks instead.
How much is the annual fee on the Venture X Rewards Credit Card?
$395 per year. To break even you need to earn enough rewards and credits to cover that fee. We walk through the math in the rewards detail section above.
Is the Venture X Rewards Credit Card worth it?
Fintiex rates the Capital One Venture X Rewards Credit Card 4.8 out of 5 for 2026. It is best for travel. Compare against our top picks in each category before you apply to make sure it matches your spending pattern.

Ready to apply for the Venture X Rewards Credit Card?

Takes about 5 minutes. Most applicants see a decision in seconds.

Apply at Capital One Compare other cards