Nerd Wallet Capital One Venture X Card Review

The Capital One Venture X Card is a travel rewards powerhouse, offering a generous sign-up bonus and ongoing rewards that can be redeemed for travel purchases with no blackout dates or restrictions.

With a $395 annual fee, this card is geared towards frequent travelers who can maximize its benefits.

The card offers 75,000 miles as a sign-up bonus, which is a great starting point for building your rewards balance.

You can earn 10X miles on hotels and car rentals booked through Capital One Travel, and 5X miles on flights booked through the same platform.

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The welcome bonus on the Capital One Venture X Rewards Credit Card is a great perk that can give you a head start on earning rewards. You can earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening.

This bonus is worth at least $1,050 by NerdWallet's metrics, considering they value Capital One Miles at 1.2 cents each.

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The Capital One Venture X Rewards Credit Card is a game-changer for frequent travelers, and one of its standout features is the ability to speed through security lines at the airport. You can get reimbursed for Global Entry or TSA PreCheck membership as a statement credit.

This means you'll get to skip the long lines at security and breeze through to your gate. Global Entry includes TSA PreCheck, but not the other way around, so it's worth applying for Global Entry to get both services.

Both Global Entry and TSA PreCheck are valid for five years after enrollment, and members become eligible to renew their membership one year before program expiration. The Capital One Venture X Rewards Credit Card will grant you this statement credit once every four years.

Having access to these services will make a huge difference in your travel experience, especially during peak travel seasons. It's a small perk that can save you a lot of time and stress.

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The Capital One Venture X Rewards Credit Card earns Capital One Miles, which can be used to great effect due to its robust lineup of transfer partners. This means you can redeem your miles for travel purchases, including flights, hotels, and rental cars, making it a versatile rewards program.

The key to maximizing your miles strategy is to be smart about how you earn and redeem your points. By doing so, you can get the most value out of your rewards.

One way to do this is to take advantage of the card's transfer partners, which include popular airlines and hotels. This allows you to redeem your miles for travel purchases, giving you more flexibility in how you use your rewards.

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The Capital One Venture X Business card offers a $120 statement credit on TSA PreCheck or Global Entry, which can be a huge perk for frequent travelers. This credit can be applied directly to the application fee, making it easier to get started with these trusted traveler programs.

The card also comes with a $300 annual travel credit for bookings made through Capital One Travel, which can be used to offset the cost of flights, hotels, and other travel expenses. This credit can add up quickly, especially for business owners who travel frequently.

Here are the key features of the Capital One Venture X Business card at a glance:

The Capital One Venture X Rewards Credit Card is a powerful tool for business owners and travelers alike.

One of the standout features of this card is the welcome bonus, which can be worth up to $1,050 in travel. This is earned by spending $4,000 on purchases in the first 3 months from account opening.

To make the most of this card, you'll also want to take advantage of the $300 annual travel credit. This can be used to book flights, hotels, and rental cars through Capital One's Travel portal.

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Here are some of the key features of the Capital One Venture X Rewards Credit Card:

This card's features make it a great option for business owners who travel frequently.

The Capital One Venture X Business card and The Business Platinum Card from American Express are two of the top business credit cards on the market. The Capital One Venture X Business card has an annual fee of $395, which is significantly lower than the $695 annual fee of The Business Platinum Card.

If you're looking to earn rewards, the Capital One Venture X Business card offers a welcome offer of 150,000 bonus miles after spending $30,000 in the first 3 months from account opening. The Business Platinum Card from American Express offers a similar welcome offer of 150,000 Membership Rewards points after spending $20,000 in eligible purchases within the first 3 months.

One of the benefits of the Capital One Venture X Business card is that it offers up to $120 statement credit toward the application fee for TSA Precheck or Global Entry. This is a great perk for business owners who frequently travel.

Explore further: Capital One Venture X Rewards Card News

Here are the key features of these two business credit cards:

Overall, the Capital One Venture X Business card and The Business Platinum Card from American Express are both great options for business owners who want to earn rewards and build their credit.

I'm really impressed with the user-friendly interface of this software, it's so intuitive and easy to navigate.

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One feature I particularly like is the customizable dashboard, which allows me to personalize my workspace to suit my needs.

The software's collaboration tools are also top-notch, enabling seamless communication and real-time feedback with team members.

I've found that the software's automation features save me a significant amount of time and effort, allowing me to focus on high-priority tasks.

The reporting and analytics capabilities are incredibly detailed, providing valuable insights into project performance and progress.

The Capital One Venture X Rewards Credit Card offers a range of travel and rewards benefits that can make it a valuable addition to your wallet.

You can earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel, making it one of the largest welcome offers on the market.

The card also comes with a $300 annual credit for bookings through Capital One Travel, which can help offset the $395 annual fee. However, you have to book the travel through the Capital One Travel portal, which may not include all the travel options you'd like.

To redeem the travel credit, you can book your travel through Capital One's travel portal, pay for it with your Capital One Venture X Rewards Credit Card, and receive a statement credit up to $300. You can also earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals booked through Capital One Travel.

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Here's a breakdown of the travel and rewards benefits:

Overall, the Capital One Venture X Rewards Credit Card offers a range of travel and rewards benefits that can make it a valuable addition to your wallet.

Travel is a great way to explore new places and experiences, and it's even better when you can earn rewards on your purchases. You can use your travel credit to book flights, hotels, and rental cars through Capital One's Travel portal.

The Capital One Venture X Rewards Credit Card offers a $300 annual travel credit, which can make a significant dent in the card's $395 annual fee. This credit can be used to reimburse you for travel expenses booked through the portal.

To use the travel credit, you'll need to book your travel through Capital One's travel portal at capitalonetravel.com and pay for it with your Capital One Venture X Rewards Credit Card. You can make multiple purchases throughout the year and receive multiple statement credits until the total reaches $300.

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To be eligible for the travel credit, your Capital One Venture X Rewards Credit Card account must be open and in good standing. This means you won't receive the credit if your account is closed or delinquent.

Here are the steps to use the Capital One Venture X Rewards Credit Card travel credit:

The travel credit can be used for a variety of travel expenses, including flights, hotels, and rental cars. You can even make multiple purchases throughout the year and receive multiple statement credits until the total reaches $300.

The Capital One Venture X Rewards Credit Card offers a generous rewards program that can help you save money on your travels. You can earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel.

The card earns unlimited 10X miles on hotels and rental cars booked through Capital One Travel, and 5X miles on flights and vacation rentals booked through the same portal. You'll also earn unlimited 2X miles on all other purchases.

One of the standout features of this card is the $300 annual travel credit, which can be used to book travel through the Capital One Travel portal. This credit can be redeemed as a statement credit for travel expenses, making it a great way to offset the card's $395 annual fee.

Here are some of the ways you can redeem your Capital One miles:

It's worth noting that some transfer partners offer better redemption options than others. For example, you can redeem 7,500 points for flights to Hawaii through Turkish Airlines.

The Capital One Venture X Rewards Credit Card is a great option for travelers, offering a competitively low annual fee and a suite of benefits. To maximize your value with this card, be sure to earn the sign-up bonus and enroll in its perks.

The card's miles can be transferred to top partners, but it's essential to note that enrolling in Hertz President's Club status requires a separate process through the Capital One website or mobile app. This ensures you remain at that status level through the duration of the offer.

If you're looking for flexibility in your travel credit card, the Chase Sapphire Preferred Card is a great option, offering a large bonus and point transfers.

Here's a comparison of the Capital One Venture X Rewards Credit Card with popular alternatives:

By taking full advantage of the $300 annual travel credit that comes with the Capital One Venture X Rewards Credit Card, cardholders can recoup much of the card's $395 annual fee. To use this credit, you need to book your travel through Capital One Travel and pay for it using your rewards card.

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The Capital One Venture X Rewards Credit Card has its perks, but it's essential to consider the pros and cons.

The card offers a 75,000-mile initial bonus, which is a significant incentive for signing up.

You can earn 2-10 miles per $1 spent on purchases, making it a rewarding option for frequent travelers.

Airport lounge access is another benefit, but it's not explicitly stated what lounges are included.

The annual fee is $395, which is a significant cost to consider.

Booking travel through the Capital One Travel portal can be a hassle if you need to change or cancel a reservation.

The Capital One Venture X Rewards Credit Card has some winning features that make it a great choice for travelers. It offers $300 in annual credits, which can be a game-changer for those who book travel frequently.

If you're willing to book your travel through the Capital One Travel portal, you can earn 5 miles per dollar on hotel and rental car bookings, which is a great perk. However, this is only available through the portal, and you may not be able to earn points or enjoy elite status perks if you book directly.

The Capital One Venture X Balance Transfer feature has a relatively high APR of 19.99% - 29.24%, which is a drawback. However, the balance transfer fee is a one-time 4% of each transferred balance, which is a reasonable cost.

The Venture X Rewards Credit Card requires excellent credit, so it's not for everyone. But if you have good credit and want to take advantage of its benefits, it's definitely worth considering.

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The Capital One Venture X has some downsides that are worth considering. The annual fee is a whopping $395, making it the most expensive Capital One credit card you can own. This means you need to use the card frequently to ensure you're getting enough value from the rewards and benefits to justify the cost.

Interest rates are another concern. If you don't pay the bill in full every month, interest will accrue at a rate of 19.99% to 29.24% (Variable). This is higher than the average credit card APR for people with excellent credit, which is 17.9%. If you need to transfer a balance or make big-ticket purchases, consider using a 0% APR credit card instead.

The Capital One Venture X requires excellent credit to approve, so you'll need a credit score of 750 or better. You can check your credit score for free on WalletHub.

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The Capital One Venture X Rewards Credit Card has its perks, but it also has some downsides to consider. The annual fee is a whopping $395, making it the most expensive Capital One credit card you can own.

You'll earn a 75,000-mile initial bonus, which is a great incentive to sign up. The card also offers 2-10 miles per $1 spent on purchases, depending on the category.

One of the standout benefits of the Capital One Venture X is the airport lounge access. However, you'll need to use the card a lot to make sure you're getting enough value from the rewards and other benefits to cover the investment in the annual fee.

The card also offers annual statement credit and bonus opportunities, but you'll need to book travel through the Capital One Travel portal to take advantage of these benefits.

Here are some key pros and cons of the Capital One Venture X Rewards Credit Card:

However, the card also has some drawbacks to consider. If you don't pay the bill in full every month, interest will accrue at a rate of 19.99% to 29.24% (V), depending on your credit standing.