The Venture X APR Card Review and Evaluation Guide is a must-read for anyone considering this credit card. It's designed to help you make an informed decision about whether the Venture X APR Card is right for you.
The Venture X APR Card has a 25.24% - 30.24% Variable APR, which is relatively high compared to other credit cards. This means that if you carry a balance, you'll be paying interest on your purchases.
The card's rewards program is where it really shines, offering 3X points on flights booked through the airline's website or through Chase's travel portal, and 2X points on travel and dining purchases. This can add up to big savings over time.
To get the most out of the Venture X APR Card, it's essential to understand its rewards structure and how to use it to your advantage.
Take a look at this: Capital One Venture X Rewards Card News
Credit Card Benefits
The Capital One Venture X Rewards Credit Card offers some amazing benefits that make it a great choice for travelers. 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 also comes with a rewards rate of 10 Miles per dollar on hotels and rental cars booked through Capital One Travel, 5 Miles per dollar on flights and vacation rentals booked through Capital One Travel, and 2 Miles per dollar on every purchase.
One of the best features of the card is the TSA PreCheck/Global Entry statement credit, which can be up to $120. This can be a huge time-saver and stress-reducer when traveling.
You can also take advantage of the card's 0% intro APR for balance transfers, but this only applies for 18 months. After that, the variable APR will be 19.99% - 29.24%.
Here are some key benefits of the Capital One Venture X Rewards Credit Card:
- TSA PreCheck/Global Entry statement credit up to $120
- 75,000 bonus miles after spending $4,000 in the first 3 months
- 10 Miles per dollar on hotels and rental cars booked through Capital One Travel
- 5 Miles per dollar on flights and vacation rentals booked through Capital One Travel
- 2 Miles per dollar on every purchase
Rewards Rate Varies by Spending Habits
The rewards rate on the Capital One Venture X Rewards Credit Card is indeed tied to your spending habits. You'll earn 2 points per $1 spent on every purchase, which is a decent rate.
A fresh viewpoint: Venture X Rewards News
If you book travel through Capital One Travel, however, you can earn even more miles. For example, you'll get 10x miles on hotels and rental cars, and 5x miles on flights.
Here's a breakdown of the rewards rate on the Venture X card:
Keep in mind that the rewards rate is just one aspect of the card's overall value.
Card Features
The Capital One Venture X Rewards Credit Card has some impressive features that make it a great option for travel enthusiasts. You can earn 10 Miles per dollar on hotels and rental cars booked through Capital One Travel, 5 Miles per dollar on flights and vacation rentals booked through Capital One Travel, and 2 Miles per dollar on every purchase.
The card also comes with a welcome bonus of 75,000 miles when you spend $4,000 on purchases in the first 3 months from account opening. This is equal to $750 in travel, which is a great way to offset the annual fee of $395.
Here are some key features of the Venture X:
- Current offer details
- Venture X pros and cons
- Reasons to get this card
- Reasons to skip this card
- Expert experience
- First-year vs. ongoing value
- Capital One Venture X vs. other luxury travel cards
- Best cards to pair with the Venture X
- Is this card worth getting?
Spark Travel Elite
The Spark Travel Elite card is getting a makeover. It's rebranding as the Capital One Venture X Business Card, with a new look and some exciting changes.
The Venture X Business Card will earn you unlimited 10X miles on hotels and rental cars booked through Capital One Travel, making it a great option for business travelers.
You'll also earn 5X miles on flights booked through Capital One Travel, and unlimited 2X miles on all other purchases.
New cardholders can earn 50,000 miles after spending $10,000 on purchases in the first three months and 200,000 miles after spending $50,000 on purchases in the first six months of card membership.
The annual fee is $395, but you'll get complimentary employee cards, and companies can set customized spending limits for employee cards.
You might enjoy: Venture X Cover Travel Purchases
Citi Double Cash Card
The Citi Double Cash Card is a great option for those who want a straightforward rewards structure without an annual fee. It offers a 0% intro APR for 18 months on balance transfers, making it a good choice for consolidating debt.
You can earn 2% on every purchase, with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, you must pay at least the minimum due on time.
One of the best features of this card is the $200 cash back bonus after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou Points, which can be redeemed for $200 cash back.
Here are the details of the balance transfer offer:
If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
Card Evaluation
The Capital One Venture X Rewards Credit Card has a high annual fee of $395, which may not be suitable for everyone. This is significantly higher than the Chase Sapphire Preferred Card's annual fee of $95.
Here's an interesting read: Is the Venture X Card Worth It
The Venture X Card has a regular APR of 19.99% - 29.24%, which is relatively high compared to other credit cards.
Here's a comparison of the annual fees for the three cards:
The Venture X Card also has a rewards rate of 2 - 10 miles / $1, which is higher than the Chase Sapphire Preferred Card's rewards rate of 1 - 5 points / $1.
Our Review
The Capital One Venture X Rewards Credit Card is a premium credit card with a myriad of benefits and a lower annual fee than other high-end cards with similar features.
Its annual fee is lower than other high-end cards with similar features, making it a more affordable option for those who want a premium credit card.
With a slew of benefits, this card is a great choice for frequent travelers.
It offers a high rewards rate on travel purchases, which can be redeemed for travel statement credits.
Redeeming rewards is easy and flexible, allowing cardholders to choose from a variety of redemption options.
A unique perspective: Venture X Travel Benefits
Frequently Asked Questions
What is the interest rate for venture X?
The interest rate for the Capital One Venture X Rewards Credit Card is 19.99% - 29.74% Variable APR. Paying off your balance in full each month can help you avoid interest charges.
Sources
- https://www.nerdwallet.com/article/travel/capital-one-venture-x-card-worth-annual-fee
- https://wallethub.com/d/capital-one-venture-x-3361c
- https://www.bankrate.com/credit-cards/reviews/capital-one-venture-x/
- https://www.cnbc.com/select/my-favorite-capital-one-venture-x-benefits/
- https://www.bestcards.com/credit-card-news/capital-one-launching-venture-x-business-card/
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