Capital One Venture X Calculator
Calculate if the $395 annual fee is worth it based on your spending and credit utilization.
1. Enter Your Spending
Capital One Travel Portal
Via Capital One Travel
Via Capital One Travel
Via Capital One Travel
Other Spending
Concerts, sports, etc. via Capital One
2. Credit & Perk Usage
Be honest about which credits you'll actually use. Over-optimism inflates your net value.
Statement Credits
Capital One Travel purchases only. No miles earned on credited portion.
Anniversary Miles
Lounge Access
Other Value
3. Miles Valuation (cpp)
cpp = cents per mile. This is how much each Capital One mile is worth when redeemed. 1.5 cpp means 10,000 miles = $150. Capital One often frames 10,000 miles ≈ $100 towards travel (1.0 cpp baseline).
1.0 cpp: Baseline “Erase” redemption for travel
1.5 cpp: Conservative transfer partner value
2.0 cpp: Strong transfer partner redemptions (not guaranteed)
Optimize Your Entire Wallet
The Venture X is just one card. See how it fits with your other cards to maximize rewards across all your spending categories.
Try the CardSavvy OptimizerLearn More
Compare the Venture X to other premium travel cards and find the best fit for your spending.
This calculator provides estimates based on Capital One's published Venture X terms as of January 2026. Credit availability, multipliers, and lounge policies may change. Feb 2026 lounge guest policies reflected. Not financial advice.