Capital One Venture X

Capital One · Visa · $395 annual fee

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740

Min Score

19.49–28.49%

APR Range

Foreign Fee

1¢

Per Mile

$395

Annual Fee

Welcome Bonus

75,000 miles

≈ $750 estimated value

After you spend $4,000 in the first 3 months. Miles are worth 1¢ each toward travel, or more if you transfer them to airline partners.

How You Earn · miles per $1

Hotels

10x

Hotels & rental cars via Capital One Travel

Flights

Flights & vacation rentals via Capital One Travel

Purchases

Everything else — no caps

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Value you’ll capture$0 of $420

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$300^yrCapital One Travel credit▾

$300 back each year on bookings made through the Capital One Travel portal. It’s a single lump credit, not monthly — one flight or hotel booking can use it all up. This alone covers most of the $395 fee.

$120^4yrGlobal Entry / TSA PreCheck▾

Up to $120 in statement credits for Global Entry or TSA PreCheck application fees, once every 4 years.

10,000Anniversary bonus miles▾

10,000 bonus miles (about $100 toward travel) every account anniversary — deposited automatically, nothing to activate. Stack it with the $300 travel credit and the effective annual fee drops to about $-5.

LoungesLounge access — read the 2026 changes▾

The primary cardholder still gets unlimited complimentary access to Capital One Lounges, Capital One Landings and Priority Pass lounges. But as of February 1, 2026, authorized users no longer get free access — it’s $125 per additional cardholder — and guests now cost $35 each at Priority Pass and $25–$45 at Capital One Lounges. Free guests only come back if you spend $75,000+ in the prior calendar year.

IncludedTrip & travel insurance▾

Trip cancellation & interruption (up to $2,000 per person), trip delay (up to $500 per ticket after 6 hours), lost luggage reimbursement, primary auto rental collision coverage, and cell phone protection (up to $800 per claim, $50 deductible).

15+ transfer partners

Miles transfer to airlines & hotels, mostly 1:1. View partners →

No foreign transaction fees. Authorized users are free to add, but no longer get free lounge access.

The latest changes to this card — newest first. Verified against issuer terms.

February 2026NEW

Lounge access cut for authorized users and guests

As of Feb 1, 2026, authorized users lost complimentary lounge access ($125 each to restore it) and guests now cost $35 at Priority Pass and $25–$45 at Capital One Lounges. It’s a real downgrade for families — though solo travelers are largely unaffected.

2026

The $300 credit + 10,000 miles still cover the fee

The $300 Capital One Travel credit and 10,000 anniversary miles (~$100) together are worth about $400 against a $395 annual fee — so the card still effectively pays for itself before you count a single mile earned.

2026

Still the best flat-rate premium card

2x miles on everything with no caps remains the simplest earning structure of any premium travel card we compare.

Advertiser Disclosure: MyCreditPerks may earn a commission when you apply through a link on our site, at no cost to you. Rankings and values are based solely on reward rates, fees, and estimated value — advertiser relationships never influence results. Reward values are estimates; verify current terms with Capital One before applying.

Capital One Venture X

Lounge access cut for authorized users and guests

The $300 credit + 10,000 miles still cover the fee

Still the best flat-rate premium card

Transfer Partners