Capital One Venture X Data Points: A Comprehensive Review

The Capital One Venture X is a popular credit card that offers a wide range of benefits and rewards. It has a sign-up bonus of 75,000 miles, which is a great incentive for new cardholders.

The card also comes with a generous miles earning rate, with 5 miles earned per dollar spent on hotels and car rentals, and 2 miles earned per dollar spent on all other purchases. This makes it a great option for travelers.

One of the standout features of the Capital One Venture X is its ability to redeem miles for travel purchases with no blackout dates or restrictions. This means that cardholders can use their miles to book flights, hotels, and other travel expenses without worrying about availability.

The card also offers a $100 credit towards Global Entry or TSA PreCheck, which can save cardholders time and hassle when traveling.

The Capital One Venture X card offers a rewards structure that's hard to beat. You can earn 10 miles per dollar on hotels and rental cars booked through Capital One Travel.

The card also earns 5 miles per dollar on flights and vacation rentals booked through Capital One Travel. This is a great perk for frequent travelers.

For every other purchase, you'll earn 2 miles per dollar, every day. This may not sound like a lot, but it can add up quickly.

Here's a breakdown of the earning rates:

This earning structure can be redeemed for travel purchases at a rate of 1 cent per point of value. That's effectively a minimum of 2% cash back on all purchases.

Additionally, the card offers increased earning rates on bespoke partners, such as 5X on UberEats.

The Capital One Venture X card offers a terrific mix of bonus categories and valuable rewards. You'll earn 5X miles on airfare and vacation rentals, and 10X miles on hotels and rental cars booked through Capital One Travel.

The Venture X also offers a generous flat rewards rate of 2X miles on all other purchases. This is a great option for everyday spending, especially if you can convert your miles to airline miles with a variety of programs.

One of the best things about the Venture X is its flexible redemption options. You can redeem your miles through Capital One Travel, for a statement credit on recent travel purchases, or by transferring them to one of Capital One's travel partners.

According to Bankrate's latest mile valuations, each mile is worth roughly 1.7 cents when transferred to the right airline or hotel partner. This means you can get a higher redemption value by transferring your miles to the right partner.

Here's a breakdown of the Venture X's rewards categories and rates:

Overall, the Venture X's rewards structure is designed to help you earn miles quickly and redeem them for valuable travel experiences.

The Capital One Venture X is a fantastic card for travelers, offering a plethora of benefits that can help offset its $395 annual fee. You can earn 10,000 bonus miles each year on your account anniversary, worth $100.

One of the standout features of the Venture X is its travel credit. You'll receive a $300 annual travel credit for bookings made through Capital One Travel. This can be a huge help when planning your next trip.

The Venture X also offers a range of travel protections, including primary rental car collision waiver, trip delay coverage, and lost luggage protection. These features can provide peace of mind when traveling, especially in the event of unexpected delays or lost luggage.

Here are some of the key travel protections offered by the Venture X:

Additionally, the Venture X offers a range of other benefits, including free employee cards, up to a $120 credit towards TSA PreCheck or Global Entry, and Premier Collection bookings with premium benefits like room upgrades and daily breakfast for 2.

The Venture X card's annual fee is $395, which might be too steep for some, especially occasional travelers who don't earn enough rewards from card spending or can't use the anniversary bonus miles and annual credit.

If you don't plan on using those features, another card would likely be a better choice.

The balance transfer fee is either $5 or 5% of the amount of each transfer, whichever is greater.

The annual fee on some premium travel cards can be steep, and it's essential to consider whether it's worth the cost. The Venture's X card, for instance, has a $395 annual fee, which might be difficult to justify if you don't earn enough rewards from card spending.

If you don't plan on using the card's features, such as the anniversary bonus miles and annual credit, another card might be a better choice. This is a crucial factor to consider, especially if you're an occasional traveler.

Some premium travel cards, like the Chase Sapphire Reserve, offer a ton of statement credits, but they're also more expensive. This can make it challenging to recoup the annual fee.

Here's a comparison of the annual fees on some popular premium travel cards:

It's worth noting that the Venture X card offers a $300 Capital One Travel credit, which can help offset the annual fee. Additionally, the card provides a 10,000-mile annual bonus on each card's anniversary, worth $100 when redeemed through Capital One Travel.

The balance transfer fee is an important aspect of credit card fees to consider. It's a charge imposed on you when you transfer a balance from another credit card to this one.

The fee is $0 at the Transfer APR, but 4% of the amount of each transferred balance that posts to your account at a promotional APR. This means you'll pay a percentage of the transferred amount, rather than a flat fee.

The fee is higher at a promotional APR, which is 4% of the amount transferred. This is something to keep in mind if you're considering taking advantage of a promotional APR.

There's also a minimum fee of $5, whichever is greater, on each transfer. This means that even if the percentage-based fee is less than $5, you'll still be charged the minimum.

Here's a breakdown of the balance transfer fee:

The Capital One Venture X is a top-tier travel card that offers a terrific mix of bonus categories and valuable rewards. Its robust travel bonus category and generous flat rewards rate on all other purchases make it a great choice for frequent travelers.

With 5X miles on airfare and vacation rentals, and 10X miles on hotels and rental cars booked through Capital One Travel, you can earn rewards quickly. Plus, you can redeem miles for travel purchases made within the past 90 days, giving you more flexibility.

The Venture X also offers a generous flat rewards rate of 2X miles on all purchases, making it easy to accumulate rewards. You can redeem miles for a statement credit or transfer them to any of Capital One's travel partners, who may offer even higher redemption values.

Here's a comparison of the Venture X's rewards structure with its competitors:

This table shows that the Venture X offers more rewards on hotels and rental cars, making it a great choice for travelers who book these types of reservations frequently.

The Venture X card's welcome offer has taken a hit, with a recent drop in value. It's now offering 75,000 bonus miles after spending $4,000 in the first three months, a 25,000-point decrease from its previous offer of 100,000 bonus miles after six months.

This new offer is still worth around $1,275, according to Bankrate's latest valuations, but that's a significant drop from the previous value of $1,700. The current bonus is still better than some competitors, like the Chase Sapphire Preferred Card, which offers 60,000 points for spending $4,000 in the first three months.

The annual fee for the Venture X card is $395, but its benefits more than justify the cost, especially for frequent travelers who want to feel like VIPs on their trips.

The Capital One Venture X card is a great option for travelers, but how does it stack up against other travel cards? Let's take a look at the value comparison.

The Venture X offers a robust travel bonus category, with 5X miles on airfare and vacation rentals, and 10X miles on hotels and rental cars booked through Capital One Travel. This is a great perk for frequent travelers.

The card's annual fee is $395, but the rewards and perks it offers make it well worth the cost. In the first year, the card's value is $1,627, thanks to the 75,000 bonus miles and estimated yearly rewards.

Here's a breakdown of the card's value in the first year and ongoing:

As you can see, the Venture X offers a lot of value, even without the welcome offer. The card's flat rewards rate of 2X miles on all purchases, combined with its generous travel bonus categories, make it a great choice for travelers.

The Venture X also offers a range of perks, including elite status at Hertz, which can save you money on car rentals. And with no blackout dates or expiration on rewards, you can use your miles whenever you want.

Overall, the Capital One Venture X is a great option for travelers who want a low-maintenance card with practical travel perks. Its value is well worth the $395 annual fee, and its rewards and perks make it a great choice for frequent travelers.

Our experts say the Capital One Venture X Rewards Credit Card's annual fee is easy to offset with its practical perks.

The card offers practical travel perks that can more than offset the annual fee on their own.

Bankrate credit cards editor Nouri Zarrugh loves the card's combination of practical perks, including expedited security screening credits and an annual travel credit.

The annual travel credit is a significant benefit that can help justify the card's annual fee.

Other premium travel cards may offer more perks, but they're mostly ones that experts like Nouri Zarrugh will never use.

The Capital One Venture X Rewards Credit Card has a lower annual fee than other high-end cards with similar features.

This makes it a more attractive option for those who want to enjoy the benefits without breaking the bank.

The card's benefits are easy to take advantage of, making it a great choice for those who want to get the most out of their credit card.

The Capital One Venture X has surprisingly good eligibility requirements, making it anecdotally easier to get approved for than some other Capital One cards.

To be eligible, you don't need a specific credit score, but it's recommended to have a credit score in the "good" to "excellent" category, ideally 740 or higher.

Some people with lower scores have been approved, and some with higher scores have been rejected, so it's not a hard and fast rule.

I've personally been approved for Capital One cards with excellent credit and no balance, and anecdotally, it seems that people with excellent credit are being approved at a higher rate than expected.

However, there's a rumor that Capital One denies people with excellent credit, allegedly wanting customers who carry a balance and finance charges, but this hasn't been proven.

If you have the Venture, you're eligible for the Venture X, including the welcome bonus, and you can even apply for it outright.

The Capital One Venture X has surprisingly good eligibility requirements, making it easier to get approved than some other Capital One cards.

To be eligible for the Venture X, you'll want to have a credit score in the "good" to "excellent" category, which is typically above 700. However, some people with lower scores have reported being approved, so it's not a hard and fast rule.

If you're planning to apply, it's a good idea to have a credit score of 740 or higher, as this will give you a stronger chance of approval. I personally wouldn't apply with a score under 700, but it's ultimately up to you to decide what you're comfortable with.

The approval process can take anywhere from instant to several days, depending on the complexity of your application. Some people have reported getting instant approvals, while others have had to wait for manual review.

You can have the Capital One Venture X even if you already have the Capital One Venture. Yep, you're eligible for the Capital One Venture X, including the welcome bonus, even if you have another version of the Capital One Venture.

Just apply for the card outright, and hopefully you'll be approved.

You might also be able to product change, but you wouldn't be eligible for the new cardmember bonus then.

It's not uncommon for people with excellent credit to be denied a Capital One card, despite rumors that they're looking for customers who carry a balance.

Some people have reported receiving instant approvals for the Venture X card, even if they had previously been rejected for other Capital One cards.

There are reports of people being denied due to having too many accounts open with balances, even if those balances are paid off every month.

I personally know someone who has 11 cards and was denied a Capital One card due to having too many accounts open with balances, despite having an 800+ credit rating.

People with excellent credit and no balance may be approved at a higher rate than expected, but it's not a guarantee.

It's possible that Capital One has specific criteria for approval, and some people may be blocked from getting a Capital One card due to their credit profile.