20
Benefits3
Reward Categories10x
Max Reward21.2%
APR FromBasic Information
PENDINGRewards Program (Detailed) 3 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| Hotels & Rental Cars (Capital One Travel) | 10x | Miles | On hotels and rental cars booked through Capital One Travel. | No Cap | |
| Flights (Capital One Travel) | 5x | Miles | On flights booked through Capital One Travel. | No Cap | |
| All Other Purchases | 2x | Miles | On every purchase, every day. | No Cap |
Rewards Summary
PENDINGReward Type: Miles
Base Rate: 2x
Bonus Rate: 10x
Categories: 10x Hotels & Rental Cars booked via Capital One Travel, 5x Flights booked via Capital One Travel
Quarterly Rotating: No
Expiration Policy: Miles do not expire for the life of the account.
Point Value: 0.01¢
Travel Portal Multiplier: 5x
Transfer Partners: Air Canada Aeroplan, Air France-KLM Flying Blue, British Airways Executive Club, Emirates Skywards, Singapore Airlines KrisFlyer, Turkish Airlines Miles&Smiles, Virgin Red, Accor Live Limitless, Wyndham Rewards
Redemption Penalties: Reduced value for cash back and gift card redemptions (0.5 cents per mile).
Benefits & Protections (Detailed) 20 Total
PENDINGAccount Management 1
Free Authorized Users
No fee for authorized usersAdd authorized users to your account at no additional cost, and they can enjoy many of the same benefits.
Airport Access 3
Capital One Lounge Access
Unlimited access for cardholder + 2 guestsUnlimited complimentary access for you and two guests to Capital One Lounges.
Priority Pass Select Membership
Unlimited access for cardholder + 2 guestsComplimentary Priority Pass Select membership, providing access to over 1,300 airport lounges worldwide for you and two guests.
Plaza Premium Lounge Access
Unlimited access for cardholder + 2 guestsComplimentary access to Plaza Premium Lounges worldwide for you and two guests.
Customer Service 1
24/7 Concierge Service
24/7 accessAccess to a dedicated concierge service 24 hours a day, 7 days a week, to assist with travel, dining, entertainment, and more.
Lifestyle 1
Hertz President's Circle Status
Complimentary statusComplimentary Hertz President's Circle status, offering perks like guaranteed upgrades and expedited service.
Purchase Protection 2
Purchase Protection
Up to $10,000 per claimCovers eligible items purchased with your card against damage or theft for 90 days from the date of purchase, up to $10,000 per claim and $50,000 per cardholder per year.
Extended Warranty Protection
Up to $10,000 per claimExtends the manufacturer's original warranty on eligible items purchased with your card for an additional year, on warranties of three years or less, up to $10,000 per claim and $50,000 per cardholder per year.
Rewards Earning 3
Unlimited 2X Miles on Every Purchase
2X Miles per dollarEarn an unlimited 2X miles on every dollar spent on all purchases, everywhere, every day.
5X Miles on Flights Booked Through Capital One Travel
5X Miles per dollarEarn 5X miles on flights booked through Capital One Travel.
10X Miles on Hotels and Rental Cars Booked Through Capital One Travel
10X Miles per dollarEarn 10X miles on hotels and rental cars booked through Capital One Travel.
Travel Benefits 1
No Foreign Transaction Fees
0% foreign transaction feesPay no foreign transaction fees on any purchases made outside of the United States.
Travel Bonus 1
Anniversary Bonus Miles
10,000 bonus miles annuallyReceive 10,000 bonus miles every year, starting on your first anniversary.
Travel Credit 2
Annual Travel Credit
Up to $300 annual creditReceive up to $300 in statement credits annually for bookings made through Capital One Travel.
Global Entry or TSA PreCheck Application Fee Credit
Up to $100 credit every 4 yearsReceive a statement credit of up to $100 for Global Entry or TSA PreCheck application fees every four years.
Travel Insurance 5
Primary Rental Car Collision Damage Waiver
Primary coverageProvides primary coverage for damage or theft of most rental vehicles when you pay for the rental with your Venture X card.
Trip Cancellation & Interruption Insurance
Up to $2,000 per personReimburses non-refundable passenger fares if a trip is canceled or interrupted for covered reasons, up to $2,000 per person.
Trip Delay Reimbursement
Up to $500 per ticketReimburses for reasonable expenses like meals and lodging if your flight or common carrier is delayed for more than 6 hours or requires an overnight stay, up to $500 per ticket.
Lost Luggage Reimbursement
Up to $3,000 per passengerReimburses for the actual cost of replacing lost or stolen luggage and its contents, up to $3,000 per passenger.
Travel Accident Insurance
Up to $1,000,000Provides coverage for accidental death or dismemberment while traveling on a common carrier when tickets are purchased with your Venture X card.
Benefits Summary (Flags)
PENDINGExtended Warranty
Purchase Protection
Cell Phone Protection
Travel Insurance
Primary Rental Protection
Airport Lounge Access
Trip Delay Coverage
Lost Luggage Coverage
Price Protection
Concierge Service
No Foreign Fees
ShopRunner
Global Entry Credit: $100
Sign-Up Bonus
PENDING75,000
Points/MilesRequirement: Spend $4,000 in 90 days
Timing: Bonus miles will be awarded within two billing cycles after you meet the spending requirement.
Fee Structure
PENDING| Annual Fee: | $395.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $95.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 29.99% |
| Min Interest Charge: | $2.00 |
Additional Fees
PENDING| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | 3% of the amount of each transferred balance |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 21.24% - 29.24%
Balance Transfer APR: 21.24%
Cash Advance APR: 29.99%
Intro APR Offers
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: For 2026, Capital One's Venture X is projected to maintain its 'once per lifetime' bonus restriction, meaning applicants are ineligible for the welcome bonus if they have previously received a bonus for the Venture X card. Eligibility typically requires an excellent credit score (FICO 740+), a strong credit history, and sufficient income. Capital One generally enforces an internal application velocity rule, often limiting new card approvals to one personal card every six months. Applicants should also ensure they are not over Capital One's internal maximum card limit (often cited as 2 personal cards or 5 total cards including business cards).
Max Cards Per Issuer: 5
Min Spend Interval: 3 months
Cliff Effect Rules: The primary 'cliff effect' is the 'once per lifetime' bonus restriction for the Venture X. Additionally, Capital One's internal application velocity rules (e.g., one card every six months) can prevent immediate re-application or application for other Capital One products if a recent application was made.
International Friendly: Yes
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 4.6 / 5.0
Top Positive:
Excellent travel benefits including lounge access and annual travel credit, solid 2X miles on all purchases, valuable anniversary bonus, and premium card perks.
Top Negative:
High annual fee (though largely offset by credits), maximum rewards require booking through Capital One Travel, and some users report inconsistent customer service.
Approval Experience: 85.0 / 100
Recommended Alternatives
- Chase Sapphire Reserve
- American Express Platinum Card
- Bilt Mastercard
Card Value Score: 90.0 / 100
Est. Annual Rewards: $1,500.00
Approval Probability: 85.0%
Version Control
PENDINGVersion ID: 2023-10-26
Last Updated: Oct 26, 2023 00:00