Capital One
Capital One Venture X Rewards Credit Card
Annual Fee
$395
Sign-up Bonus
75,000 pts
Travel Credit
$300
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Where It Wins, Where It Doesn't
Generated from the card's data against our full catalog, not editorial opinion.
- 10x on hotels (catalog median is 2x)
- 10x on other travel (catalog median is 2x)
- 5x on flights (catalog median is 2x)
- Credits worth about $400/yr at typical usage offset 100% of the fee
Is the $395 Fee Worth It?
Net annual value (rewards + credits at typical usage, minus the fee) at three reference spending profiles. Signup bonuses excluded.
Everyday
Groceries, gas, and dining out a few times a month ($24,000/yr)
+$485/yr
$480 rewards + $400 credits - $395 fee
Foodie
Heavy dining and delivery, lighter on travel ($26,000/yr)
+$525/yr
$520 rewards + $400 credits - $395 fee
Traveler
Several trips a year with flights and hotels ($28,000/yr)
+$1,273/yr
$1,268 rewards + $400 credits - $395 fee
Rewards by Category
Dining
2x
Grocery
2x
Gas
2x
Flights
5x
Hotels
10x
Other Travel
10x
Online Shopping
2x
Rideshare
2x
Streaming
2x
Amazon
2x
Costco
2x
Other
2x
Apple
2x
Cell Phone
2x
Fast Food
2x
Home Utilities
2x
Internet
2x
Walmart
2x
Point value: 1.0 cents per point
The Fine Print That Changes the Math
10x on hotels and rental cars via Capital One Travel, 5x on flights via Capital One Travel, 2x everywhere else. $300 annual travel credit. 10,000 anniversary miles. Capital One Lounge and Priority Pass access.
Benefits & Credits
Airport Lounge Access
Priority Pass or proprietary lounges
Travel Credit$300
Anniversary Miles (10k)$100
Capital One Venture X Rewards Credit Card FAQ
What is the Capital One Venture X Rewards Credit Card annual fee?
The Capital One Venture X Rewards Credit Card has a $395 annual fee. Statement credits worth about $400/yr at typical usage reduce the effective cost.
What is the Capital One Venture X Rewards Credit Card signup bonus?
75,000 points for new cardholders meeting the minimum spend. Check the issuer's site for the current offer.
What are the best spending categories for the Capital One Venture X Rewards Credit Card?
10x on hotels, 10x on other travel, 5x on flights. Everything else earns 2x.
Is the Capital One Venture X Rewards Credit Card worth the annual fee?
At a typical $24,000/yr spending profile, it nets about $485/yr after the fee. Your own spending mix decides it; run the numbers in the optimizer.
Does the Capital One Venture X Rewards Credit Card include airport lounge access?
Yes. Lounge access is included; the cash value depends on how often you fly.
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Is Capital One Venture X Rewards Credit Card Right for You?
Run your personalized optimization to see how this card fits into your wallet and how much you could earn based on your actual spending.
Card details are for informational purposes only. Please verify current terms, rewards, and benefits on the issuer's website before applying. Links to issuers are direct; CardSavvy currently earns no commission from them.