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Released in late 2021, the Capital One Venture X Rewards Credit Card is a premium travel card that comes with an annual fee of $395. Despite this fee, the card offers significant value through its high rewards rates, annual travel credits, and luxury travel benefits, making it a strong contender against other premium travel cards like the Chase Sapphire Reserve and The Platinum Card® from American Express.
The Capital One Venture X card is tailored to frequent travelers who want a premium card without the steep annual fees of some competitors. Its blend of strong earning potential, luxury travel perks, and travel credits make it particularly appealing to those who spend regularly on travel and seek to maximize the value of their purchases. It’s also a good fit for cardholders who appreciate airport lounge access and the flexibility to redeem miles for a variety of travel-related expenses.
One of the standout features of the Capital One Venture X is its rewards structure. Cardholders earn:
This high earning rate for travel purchases booked through Capital One Travel makes it a great card for those who frequently book hotels, rental cars, or flights. The flat 2x miles on every other purchase is also notable, as it means you’re earning travel rewards for all your spending, without needing to track category bonuses.
Capital One Venture X miles can be redeemed in several ways, providing flexibility in how you use your rewards:
The Capital One Venture X offers significant redemption flexibility, and the option to transfer miles to travel partners gives cardholders a chance to maximize the value of their rewards. With this, the card offers flexibility similar to competitors like the Chase Sapphire Reserve and American Express Platinum.
New Capital One Venture X cardholders can earn 75,000 bonus miles after spending $4,000 within the first three months of account opening. This bonus is worth $750 when redeemed for travel purchases or transferred to airline and hotel partners for potentially even greater value.
Given the spending requirement of $4,000 in three months, this bonus is relatively easy to achieve for most frequent travelers or those making large purchases, making the Capital One Venture X a top card for earning an immediate windfall of travel rewards.
The Capital One Venture X comes with an annual fee of $395, which is lower than most premium travel cards like the Chase Sapphire Reserve ($550) or the American Express Platinum Card ($695).
One of the key benefits that help offset this annual fee is the $300 annual travel credit, which applies to bookings made through Capital One Travel. This credit is automatically applied to travel purchases, making it easy to use.
In addition, you’ll receive 10,000 bonus miles on each account anniversary, which are worth around $100 toward travel. Together, these perks can cover the cost of the card’s annual fee for many travelers.
The Capital One Venture X offers robust travel protections, including:
The Capital One Venture X card also offers several purchase protections, including:
These benefits make the Venture X a solid card for both travel and everyday purchases, offering peace of mind when booking trips or making significant purchases.
As a premium travel card, the Capital One Venture X provides complimentary access to Capital One Lounges, which are expanding to more locations across the U.S. In addition, cardholders have access to Priority Pass lounges and Plaza Premium lounges, giving you more than 1,300 lounges worldwide to relax in before your flight.
Unlike some cards that limit complimentary guests, the Venture X allows you to bring two free guests into lounges. Additional guests can enter for a fee, which is typical for premium cards.
To understand how the Capital One Venture X stacks up against its competitors, let’s compare it to other popular premium travel cards like the Chase Sapphire Reserve and The Platinum Card from American Express.
The Chase Sapphire Reserve is one of the closest competitors to the Venture X. Here’s how they compare:
Read our review of the Amex Platinum Card here.
The American Express Platinum Card is known for its luxury perks, but it comes with a hefty $695 annual fee. Here’s how it compares to the Venture X:
The Capital One Venture X is an excellent choice for frequent travelers looking for a premium travel credit card with a relatively low annual fee and high earning potential. The card’s $300 annual travel credit, 10,000 anniversary miles, and lounge access easily offset the $395 fee, making it a valuable card for those who can take advantage of its benefits.
While it may not offer the same level of prestige or extensive perks as the American Express Platinum Card, or the same flexibility as the Chase Sapphire Reserve, the Venture X strikes a great balance of value, rewards, and travel perks. For frequent travelers who want premium features without paying a steep annual fee, the Capital One Venture X is certainly worth considering.
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Editorial note: The views expressed in this article are solely those of the author and do not reflect the opinions of any bank, credit card company, airline, or hotel chain. None of these organizations have reviewed, approved, or endorsed the content in any way.
Legal and Financial Advice Disclosure: Credit Mileage is not a law firm, and this article is not intended to provide legal or financial advice. This information is meant purely for educational purposes. We strive to offer accurate and up-to-date information, but it is not a substitute for professional financial or legal advice. Always consult with a qualified attorney or financial advisor before making any decisions regarding your financial situation.
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