Capital One Venture X Rewards Credit Card
The Capital One Venture X Rewards Credit Card has a $395 annual fee and earns 2 miles per $1 on purchases, 10 miles per $1 on hotels and rental cars and 5 miles per $1 on flights and vacation rentals booked through Capital One Travel 2. Capital One identifies it as a Visa Infinite card, and it adds a $300 annual Capital One Travel credit, 10,000 anniversary bonus miles and airport lounge access for the primary cardholder 124.
Contents12 sections
At a glance
| Annual fee | $3952 |
|---|---|
| Foreign transaction fee | None Product page states no foreign transaction fees; the pricing terms fee table lists no foreign transaction fee row.1 |
| Rewards | Earns 10 miles per $1 on hotels and rental cars and 5 miles per $1 on flights and vacation rentals booked through Capital One Travel, 5 miles per $1 on Capital One Entertainment purchases, and 2 miles per $1 on all other purchases, with no earning cap. |
| Network | Visa Infinite |
| Authorized users | No fee Adding additional cardholders without lounge access has no fee; optional airport lounge access for each additional cardholder costs $125 per year.4 |
| Issuer | Capital One · Official card page |
What to know about the Venture X
The 10X and 5X rates apply only to bookings made through Capital One Travel; hotel incidentals and upgrades charged outside the portal earn the standard 2 miles per $1 2. The $300 credit also works only in the portal: it can be split across bookings, earns no miles and expires on the next account open date anniversary 2. Miles redeem for travel at 100 miles per $1 of cost, either through Capital One Travel or against travel purchases from the last 90 days, and can be transferred to 15+ travel loyalty programs 21.
Capital One's lounge terms, last updated July 8, 2026, give complimentary access to Capital One Lounges and Landings, and to participating Priority Pass lounges after enrollment, to the primary cardholder only 4. Lounge access for each additional cardholder costs $125 a year 4. Free guests (2 at Capital One Lounges, 1 at Landings) require $75,000 in purchases on the account in a calendar year and do not extend to Priority Pass, where guest passes cost $35 per visit 4.
Insurance terms come from the Visa Infinite guide Capital One links, which describes benefits in effect as of 10/01/21 3. Rental car collision coverage is primary, for vehicles with an MSRP up to $75,000 and rentals of up to 15 days in your country of residence or 31 days outside it, paid entirely with the card 3. Cell phone protection pays up to $800 per claim after a $50 deductible, with 2 claims and $1,600 per 12 months, only if the wireless bill for the prior billing cycle was charged to the card 3.
The Global Entry or TSA PreCheck credit of up to $120 posts once per account every 4 years when the fee is paid with the card, not through PayPal 5. Hertz President's Circle status requires enrollment through the Benefits tab in Capital One's website or app 5.
Earning rewards
| Rate | On |
|---|---|
| 10x miles per $1 | Hotels and rental cars booked through Capital One TravelPurchases made outside Capital One Travel (hotel incidentals, upgrades) earn the standard 2 miles per dollar.2 |
| 5x miles per $1 | Flights and vacation rentals booked through Capital One Travel2 |
| 5x miles per $1 | Capital One Entertainment purchases (tickets on the Capital One Entertainment ticketing platform)Excludes cardholder exclusive pre-sales and tickets bought directly through Capital One Hall or Capital One Arena ticketing.2 |
| 2x miles per $1 | All other purchasesNet purchases only; no cap on rewards earned on purchases.2 |
Miles can be redeemed for travel booked through Capital One Travel or as a credit against travel purchases made in the last 90 days, at 100 miles per $1 of travel cost; miles can also be transferred to 15+ travel loyalty programs. Other redemptions (cash, gift cards) have rates that vary.21
Travel insurance and assistance
| Rental car coverage | Auto Rental Collision Damage Waiver, primary coverage for theft or collision up to the actual cash value of vehicles with MSRP up to $75,000; rentals up to 15 consecutive days in your country of residence and 31 outside it.13 |
|---|---|
| Trip cancellation and interruption | Up to $2,000 per insured person for non-refundable common carrier tickets when the trip is cancelled or interrupted for a covered reason.3 |
| Trip delay | Up to $500 per purchased ticket for reasonable additional expenses when a covered trip is delayed more than 6 hours or requires an overnight stay; one claim per covered trip.3 |
| Lost or damaged luggage | Lost Luggage Reimbursement up to $3,000 per covered trip (New York residents: $2,000 per bag) for checked or carry-on baggage lost due to theft or misdirection by the carrier.3 |
| Travel accident insurance | Worldwide automatic common carrier travel accident insurance up to $1,000,000 when the entire fare is charged to the Visa Infinite account.3 |
| Travel and emergency assistance | Travel and Emergency Assistance Services connect you with local emergency and assistance resources 24 hours a day, 365 days a year; assistance and referral only, the cardholder pays for any services provided.3 |
Purchase and phone protection
| Cell phone protection | Covers damage, theft or involuntary and accidental parting: up to $800 per claim, maximum 2 claims and $1,600 per 12-month period, $50 deductible, when the monthly cell phone bill is paid with the card for the billing cycle before the incident. Supplemental to other insurance.13 |
|---|---|
| Purchase protection | Purchase Security covers theft or damage of new purchases within 90 days, up to $10,000 per claim and $50,000 per cardholder.3 |
| Extended warranty | Extends eligible manufacturer warranties of 3 years or less by 1 additional year; up to $10,000 per claim and $50,000 per cardholder.3 |
| Return protection | If the retailer will not accept a return within 90 days of purchase, reimbursement up to $300 per item and $1,000 per year per account.3 |
Travel perks
| Airport lounge access | Primary cardholders get complimentary access to Capital One Lounges and Landings and, after enrolling, 1,300+ participating Priority Pass lounges. Guests are not free unless the account spends $75,000+ in a calendar year (then 2 guests at Capital One Lounges, 1 at Landings; not Priority Pass). Additional cardholders need a $125/year lounge access fee.14 |
|---|---|
| Global Entry or TSA PreCheck credit | Statement credit up to $120 for the Global Entry or TSA PreCheck application fee, once per account every 4 years.25 |
| Hotel benefits program | Premier Collection bookings through Capital One Travel get a $100 experience credit plus daily breakfast for two, Wi-Fi and (when available) upgrades, early check-in and late checkout; Lifestyle Collection bookings get a $50 experience credit and similar perks.1 |
Account features
| Zero fraud liability | $0 liability for unauthorized charges; Capital One says this security feature is the same for all Capital One credit cards.6 |
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Statement credits
| Annual Capital One Travel credit | $300 annually; each credit expires on the next account open date anniversary. For purchases made through Capital One Travel; applied at checkout, usable in whole or in part; no rewards earned on the credit; account must be open and in good standing.21 |
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Other perks
| 10,000 anniversary bonus miles | Earned after each account anniversary, starting with the first.2 |
|---|---|
| Transfer miles to travel loyalty programs | Transfer miles to 15+ travel loyalty programs; once transfers are final, the receiving program's terms apply.1 |
| Hertz President's Circle status | Complimentary upgrade; enrollment through the Capital One website/app Benefits tab required; age restrictions apply; offer subject to change.15 |
| Visa Infinite Concierge | 24/7 concierge service; cardholder pays for any goods or services arranged.3 |
| The Cultivist membership discount | 50% off the Enthusiast membership to The Cultivist for up to 2 years; enrollment required; membership auto-renews.1 |
| Capital One Entertainment access | Cardholder access to pre-sales, tickets and experiences on the Capital One Entertainment platform.1 |
Not listed for this card
The Capital One pages and benefit terms we checked for the Venture X do not list these benefits:
Some benefits come from the card network rather than the bank and are not always advertised. Your own Guide to Benefits, or the number on the back of the card, is the final word on what your account covers.
Sources
- 1 Capital One, Venture X Rewards | Capital One Checked Oct 10, 2026 · Back to text ↑
- 2
- 3 Capital One, Your Guide To Card Benefits - Visa Infinite Card (Capital One) Checked Oct 10, 2026 · Back to text ↑
- 4 Capital One, Capital One Lounge and Landing and Priority Pass Terms & Conditions Checked Oct 10, 2026 · Back to text ↑
- 5 Capital One, Capital One Credit Card Partner Benefits: Terms & Conditions Checked Oct 10, 2026 · Back to text ↑
- 6 Capital One, Are Capital One Cards Visa, Mastercard or Discover? | Capital One Checked Oct 10, 2026 · Back to text ↑
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