Venture X Rewards Card
$395 a year. Purchase APR 19.49–28.49%, variable.
- Annual fee
- Issuer's pagecapitalone.com
“$395”
- Purchase APR
- Issuer's pagecapitalone.com
“19.49% - 28.49% variable APR”
- Foreign transaction fee
- Issuer's pagecapitalone.com
The source states this figure; we have no exact sentence on file yet.
We don't earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| Light spender | −$155 | −$155 |
| Typical spender | $205 | $205 |
| Heavy spender | $925 | $925 |
The spending each assumes, a month
- Light spender: groceries $300, dining $100, gas $100, everything else $500
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500
Assumed: points valued at an assumed 1¢; not counted: 5x Vacation rentals booked through Capital One Travel; not counted: 10x Hotels booked through Capital One Travel; not counted: 5x Flights booked through Capital One Travel.
Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards
How it compares
- Worth more to a typical spender than about 65% of the 650 cards we track.
- Lower top APR than about 30% of the 577 cards we track.
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
How you earn · Capital One Rewards
- 10× milesHotels booked through Capital One Travel
- 10× milesRental cars booked through Capital One Travel
- 5× milesFlights booked through Capital One Travel
- 5× milesVacation rentals booked through Capital One Travel
- 5× milesCapital One Entertainment purchases
- 2× milesEverything else
Rates and fees
| Annual fee | Issuer's pagecapitalone.com “$395” |
|---|---|
| Purchase APR | Issuer's pagecapitalone.com “19.49% - 28.49% variable APR” |
| Foreign transactions | Issuer's pagecapitalone.com The source states this figure; we have no exact sentence on file yet. |
Carrying a balance? See how long it takes to pay off
Benefits
- Premier Collection hotel experience credit: $100 other
- Lifestyle Collection hotel experience credit: $50 other
- Premier Collection vacation rental experience credit: $100 other
- Lifestyle Collection vacation rental experience credit: $50 other
- Access to Capital One Lounge and Landing locations for primary cardholders
- Access to 1,300+ participating Priority Pass lounges worldwide for primary cardholders; enrollment is required
- Lounge access is subject to space availability and is not guaranteed
- Hertz Gold+ Rewards status upgrade; eligible cardholders must enroll through the Benefits Tab link on the Capital One website or mobile app
- 50% off The Cultivist Enthusiast membership for up to 2 years; enrollment required and membership auto-renews annually unless canceled before renewal
- Capital One Entertainment offers exclusive access to music, sports and dining event pre-sales, tickets and more
- 10,000 bonus miles after each anniversary, starting with the first anniversary
- Premier Collection hotel bookings include daily breakfast for two, complimentary Wi-Fi, and when available, room upgrades, early check-in and late checkout; benefits apply per room, per stay
- Lifestyle Collection hotel bookings include complimentary Wi-Fi and when available, room upgrades, early check-in and late checkout; benefits apply per room, per stay
- Premier Collection vacation rental bookings include complimentary Wi-Fi and when available, early check-in and late checkout
- Lifestyle Collection vacation rental bookings include complimentary Wi-Fi and when available, early check-in and late checkout
- No foreign transaction fees
- Additional cardholders may be added, and rewards are earned on their purchases
- Miles can be used to cover travel expenses including flights, hotels, vacation rentals and rental cars
- No blackout dates
- Referral bonus of up to 100,000 bonus miles when friends or family are approved for a Venture X card
- Benefits for eligible hotel and vacation rental bookings require booking through Capital One Travel in the eligible cardholder’s name, with the cardholder as a member of the traveling party
- Cell phone: Up to $800
Questions
- What is the annual fee?
- $395 capitalone.com, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- No. capitalone.com, since Oct 2, 2026
- What is the purchase APR?
- 19.49–28.49% APR capitalone.com, since Sep 29, 2026
- What credit do you need?
- Excellent capitalone.com, since Sep 29, 2026
Other miles cards with fees over $300
- Capital One Venture X BusinessCapital One · $395 a year+$55 a year
- Delta SkyMiles PlatinumAmerican Express · $350 a year−$145 a year
- United QuestChase · $350 a year−$200 a year
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).