Capital One Venture X Rewards Credit Card
Basic Information
Program ID: venture-x
Issuer: Capital One
Card Type: Credit
Network: Visa
Card Tier: Premium
Data Complete: Yes
Created: 01/07/2026 11:51
Last Scraped: 01/15/2026 06:37
Fee Structure
| Annual Fee: | $395.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $-5.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | 3% of the amount of each transfer |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $75,000.00
Spending Requirement: $4,000.00
Time Period: 90 days
Bonus Timing: Typically within 8-12 weeks after meeting the spending requirement, but often posts within 1-2 billing cycles.
Rewards Program
Reward Type: Miles
Base Reward Rate: 2.00%
Bonus Reward Rate: 10.00%
Bonus Categories: 10x Hotels & Rental Cars (via Capital One Travel), 5x Flights (via Capital One Travel), 2x All other purchases
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Miles do not expire as long as the account is open and in good standing.
Transfer Partners: Air Canada Aeroplan, Air France-KLM Flying Blue, British Airways Executive Club, Emirates Skywards, Singapore Airlines KrisFlyer, Turkish Airlines Miles&Smiles, Virgin Atlantic Flying Club, Accor Live Limitless, Wyndham Rewards
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
- Global Entry Credit: $100.00
- TSA PreCheck Credit: $100.00
Approval Criteria
Recommended FICO Range: 740 - 850
Approval Odds Category: Excellent
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: The welcome bonus for the Capital One Venture X card is generally restricted to applicants who have not previously received a welcome bonus for the Venture X card in their lifetime. This is a 'once per lifetime' rule for the specific product. Eligibility for application typically requires excellent credit (FICO score 740+ recommended), sufficient income, and a clean credit history. Capital One is sensitive to recent credit inquiries and new accounts, often limiting approvals to one Capital One credit card every 6 months.
Maximum Cards Per Issuer: 2
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending (MS), suspicious spending patterns inconsistent with typical consumer behavior, rapid accumulation of high credit lines across Capital One products, excessive credit seeking (many applications in a short period), abuse of card benefits (e.g., travel credits, lounge access), or significant changes in credit profile.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 4.5 / 5.0
Top Positive Feedback:
Premium travel benefits including lounge access and annual travel credit, high rewards rate on travel, valuable sign-up bonus, and competitive annual fee for its tier.
Top Negative Feedback:
High annual fee may not be justified for infrequent travelers, limited non-travel reward categories, and requires excellent credit for approval.
Approval Experience Score: 72.0 / 100
Recommended Alternatives
- Chase Sapphire Reserve
- The Platinum Card® from American Express
- Citi Strata Premier℠ Card
Card Value Score: 90.0 / 100
Est. Annual Rewards: $855.00
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 96 months
Store vs Co-brand: 100% General / 0% Store
Risk Assessment
Default Risk Group: Low
Predicted Approval Probability: 85.0%
Terms Version Control
Version ID: v1.0