21
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 | Unlimited miles on hotels and rental cars booked through Capital One Travel. | No Cap | |
| Flights (Capital One Travel) | 5x | Miles | Unlimited miles on flights booked through Capital One Travel. | No Cap | |
| All Other Purchases | 2x | Miles | Unlimited miles on all other purchases. | No Cap |
Rewards Summary
PENDINGReward Type: Miles
Base Rate: 2x
Bonus Rate: 10x
Categories: 10x Hotels, 10x Rental Cars, 5x Flights (all 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, British Airways Executive Club, Emirates Skywards, Singapore Airlines KrisFlyer, Turkish Airlines Miles&Smiles, Virgin Red, Wyndham Rewards, Accor Live Limitless
Redemption Penalties: Redemption for cash back or gift cards typically yields a lower value than travel redemptions (e.g., 0.5 cents per mile for cash back).
Benefits & Protections (Detailed) 21 Total
PENDINGAccount Management 1
Authorized Users at No Additional Cost
No additional costAdd authorized users to your account at no additional cost, and they can enjoy benefits like lounge access.
Airport Access 3
Capital One Lounge Access
Unlimited complimentary accessUnlimited complimentary access for the primary cardholder and two guests to Capital One Lounges.
Priority Pass Select Membership
Complimentary membershipComplimentary Priority Pass Select membership, offering access to over 1,300 airport lounges worldwide for the primary cardholder and two guests.
Plaza Premium Lounge Access
Complimentary accessComplimentary access for the primary cardholder and two guests to Plaza Premium Lounges worldwide.
Purchase Protection 3
Purchase Protection
Up to $10,000 per claim, up to $50,000 per account per yearCovers eligible new purchases against damage or theft for 90 days from the purchase date.
Extended Warranty Protection
Adds 1 year to eligible warrantiesExtends the manufacturer's warranty on eligible items by one additional year for warranties of three years or less.
Return Protection
Up to $300 per item, up to $1,000 per account per yearReimbursement for eligible items that a store won't take back within 90 days of purchase.
Rewards 5
10X Miles on Entertainment Purchases
10X miles per dollarEarn unlimited 10X miles on entertainment purchases made through Capital One Entertainment.
10X Miles on Hotels and Rental Cars
10X miles per dollarEarn unlimited 10X miles on hotels and rental cars booked through Capital One Travel.
5X Miles on Flights
5X miles per dollarEarn unlimited 5X miles on flights booked through Capital One Travel.
2X Miles on All Other Purchases
2X miles per dollarEarn unlimited 2X miles on every dollar spent on all other purchases.
Anniversary Bonus Miles
10,000 bonus miles annuallyReceive 10,000 bonus miles every year, starting on your first anniversary.
Status Benefits 1
Hertz President's Circle® Status
Complimentary statusComplimentary Hertz President's Circle® status, offering perks like guaranteed upgrades and expedited service.
Travel 1
No Foreign Transaction Fees
0% foreign transaction feeNo fees on purchases made outside the United States.
Travel Credits 2
Annual Travel Credit
$300 annual creditReceive a $300 credit annually for bookings made through Capital One Travel.
Global Entry or TSA PreCheck® Application Fee Credit
Up to $100 creditReceive a credit of up to $100 for a Global Entry or TSA PreCheck® application fee.
Travel Insurance 5
Primary Car Rental Insurance
Primary coverageGet primary coverage for damage or theft when you rent an eligible vehicle with your card.
Trip Cancellation and Interruption Insurance
Up to $10,000 per person, up to $20,000 per tripReimbursement for non-refundable travel expenses if your trip is canceled or interrupted for covered reasons.
Trip Delay Reimbursement
Up to $500 per ticketReimbursement for reasonable expenses like meals and lodging when your trip is delayed for a covered reason (e.g., 6+ hours or requiring an overnight stay).
Lost Luggage Reimbursement
Up to $3,000 per passengerReimbursement for lost or stolen checked or carry-on luggage.
Travel Accident Insurance
Up to $1,000,000Coverage for accidental death or dismemberment while traveling on a common carrier when tickets are purchased with the 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
TSA PreCheck Credit: $85
Sign-Up Bonus
PENDING90,000
Points/MilesRequirement: Spend $10,000 in 180 days
Timing: Bonus miles will be added to your account within 2-3 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 |
| 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% - 28.24%
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: The Capital One Venture X card is subject to a 'once per lifetime' bonus restriction, meaning applicants are generally ineligible for the sign-up bonus if they have previously received a bonus for the Venture X or a similar premium Venture family card. Eligibility requirements for 2026 include an excellent credit score (typically 740+ FICO), a strong credit history, sufficient verifiable income, and low existing credit utilization. Capital One also generally enforces application limits, such as one new card approval every six months and often no more than two new Capital One cards within a 24-month period.
Max Cards Per Issuer: 5
Min Spend Interval: 3 months
Cliff Effect Rules: The 'once per lifetime' bonus restriction for the Venture X card typically extends across the Capital One Venture card family. This means if an applicant has previously received a sign-up bonus for the Capital One Venture X, Venture, or potentially VentureOne card, they may be ineligible for the Venture X bonus again, regardless of how long ago the previous bonus was earned. This rule is strictly enforced to prevent repeated bonus cycling within Capital One's premium travel card segment.
International Friendly: Yes
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 4.5 / 5.0
Top Positive:
Excellent travel benefits including lounge access and annual credits, high earning rates on travel and entertainment, premium feel, and good customer service.
Top Negative:
High annual fee (though largely offset by credits), requires excellent credit for approval, some users might prefer more flexible points programs.
Approval Experience: 80.0 / 100
Recommended Alternatives
- Chase Sapphire Reserve
- American Express Platinum Card
- Capital One Venture X Rewards Credit Card
Card Value Score: 90.0 / 100
Est. Annual Rewards: $1,355.00
Approval Probability: 85.0%
Version Control
PENDINGVersion ID: v1.0
Last Updated: May 15, 2024 00:00