Capital One® Venture X® Credit Card Review 2024

What’s cooler than being cool? Access to over 1,300 worldwide airport lounges.

With your Venture X®, you get free Priority Pass Select membership plus the brand-new Capital One Lounge with two free guest passes per year.

Currently, the only one open is in Dallas/Fort Worth International Airport (DFW), but two more are on the way—in Denver, Colorado and at Dulles International Airport outside of Washington, D.Ci.

This card is amazing when it comes to making sure your travels are protected. You get trip interruption and cancellation insurance, travel accident insurance, trip delay reimbursement, lost luggage reimbursement, and auto rental collision damage waiver coverage.

Bummer alert: The Venture X® doesn't offer baggage delay insurance, but it’s no biggie since it still hooks you up with tons of other coverage for your travels.

Plus, you'll love the extras like return protection and smartphone protection, as well as standard shopping protection like extended warranties.

As a one time perk, the Venture X offers up to $200 back in statement credits for vacation rentals that you charge to your credit card in the first year.

This includes rentals from Airbnb, which means you can save $200 on rental bookings.

When you make $4,000 in purchases with the Capital One Venture X Rewards Credit Card within the first three months of opening your account, you’ll get 75,000 extra miles.

This is equal to $750 that you can spend on other travel expenses.

You can also receive 10,000 bonus miles (equal to $100) every single year, starting on your first anniversary.

While the annual fee of $395 is less expensive than other travel credit cards similar to Capital One® Venture X®, it’s still more than what some cardholders are used to paying.

If you travel often and can take advantage of rewards, the fee can easily pay for itself. But if not, this may not be the best credit card for you.

If you’re the type to squeeze every penny out of rewards programs, the Venture X’s transfer partner list might interest you.

Keep in mind, though, that only a handful of airlines (none of them American) and a few hotels (Marriott, Hyatt, InterContinental) get in on the action—so unless you stick with just those, you might not get the most bang for your mileage transfers.

As with other higher-end cards, Capital One assigns this card’s recommended credit level for acceptance as “Excellent”.

This means you’ll need at least a 720+ credit score for credit approval odds. Anything less than that and you might end up with a dreaded denial for your application.

The American Express Platinum Card is quite like the Capital One Venture X because it carries premium perks and similar reward rates.

The Membership Rewards points with the Amex Platinum are more versatile than the Venture X—but it does come with a heftier $695 annual fee to get all those deluxe benefits.

Some of the awesome extras you’ll get include statement credits for Walmart+, Equinox, SoulCycle, and even digital entertainment subscriptions.

Plus, as an introductory offer, you’ll score 80,000 miles (5,000 more than in Venture X’s offer). The APR rates are fairly similar, though.

When it comes to travel credit cards, the Chase Sapphire Preferred® Card is one of the best options.

It provides both points and miles for reward-maximizing experts and novices alike.

It only has a $95 annual fee and offers: five points for every dollar spent on travel booked through Chase Ultimate Rewards®, three points for every dollar spent on dining, select streaming services, and online grocery shopping, two points for every dollar spent on other travel, and one point for every dollar spent on everything else.

However, it does have a fairly high APR rate which starts at 20.74%—and it doesn’t have an introductory offer like the other two cards.