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Capital One Venture X

What Are the Fees Associated With Capital One Venture X Rewards Credit Card?

  • Annual fee: The annual fee is $395.
  • Foreign transaction fee: There is no foreign transaction fee.
  • Balance transfer fee: There is no balance transfer fee at the transfer APR (16.99%, 20.99% or 23.99% variable, depending on your creditworthiness).
  • Cash advance fee: 3% of the advance, or at least $10.
  • Late payment fee: The fee for late payments can be up to $40.

How to Maximize Rewards With Capital One Venture X Rewards Credit Card

You’ll want to book your hotels, rental cars and flights through Capital One Travel to get the most out of the Capital One Venture X Rewards Credit Card. Hotels and rental cars earn 10 miles per dollar, while flights earn 5 miles per dollar. All other purchases earn 2 miles per dollar.

You should also consider whether your normal spending will allow you to unlock the sign-up bonus: 100,000 bonus miles for customers who spend at least $10,000 in their first six months with an account. The card’s rewards also include up to $300 in statement credits each year to cover travel booked with Capital One Travel and 10,000 bonus miles annually following the account anniversary.

You can use your rewards to book travel through Capital One Travel, where one point is worth 1 cent. You can also use rewards to cover travel booked elsewhere with your Capital One Venture X Rewards Credit Card. Other options for rewards redemption include account credits and gift cards, and cardholders may be able to transfer their points to eligible travel loyalty programs.

Comparisons With Other Credit Cards

Annual fee: The Capital One Venture X Rewards Credit Card charges a $395 annual fee, while the Chase Sapphire Reserve card charges a $550 annual fee, plus a $75 annual fee per authorized user.

Rewards: The Capital One Venture X Rewards Credit Card earns 10 miles per dollar on hotels and rental cars booked with Capital One Travel, 5 miles per dollar on flights booked with Capital One Travel, and 2 miles per dollar on all other purchases. Earning rewards with the Chase Sapphire Reserve card is a bit more complicated, but the card also has more rewards categories.

You can earn extra points on travel spending through Chase Ultimate Rewards after your first $300 in travel purchase each year: 10 points per dollar on hotels and car rentals and five points per dollar on flights. You’ll also earn 10 points per dollar on Chase Dining purchases through Ultimate Rewards and three points per dollar on other eligible dining spending. Eligible travel purchases outside of Ultimate Rewards earn three points per dollar after the first $300 in travel purchases each year. All other purchases earn one point per dollar.

Sign-up bonus: With the Capital One Venture X Rewards Credit Card, you can earn 100,000 bonus miles when you spend $10,000 on purchases in the first 6 months from account opening, equal to $1,000 in travel. Those bonus miles are worth $1,000 for travel booked through Capital One Travel. The Chase Sapphire Reserve card comes with 50,000 bonus points for customers who spend at least after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 toward travel when you redeem through Chase Ultimate Rewards®, worth $750 for travel booked through Chase Ultimate Rewards.

Benefits: Both cards offer travel benefits including access to airport lounges, a credit to cover the application fee for Global Entry or TSA PreCheck, and no foreign transaction fee. Also, both cards allow users to transfer their rewards to some other travel rewards programs. TheChase Sapphire Reserve card also comes with benefits from Lyft, DoorDash and Peloton. The Capital One Venture X Rewards Credit Card offers a $200 statement credit to cover eligible vacation rentals in cardholders’ first year with the card.

Annual fee: The Capital One Venture X Rewards Credit Card charges a $395 annual fee, while the Capital One Venture X Rewards Credit Card charges a $95 annual fee.

Rewards: The Capital One Venture X Rewards Credit Card earns 10 miles per dollar on hotels and rental cars booked on Capital One Travel, 5 miles per dollar on flights booked on Capital One Travel, and 2 miles per dollar on all other eligible purchases. The Capital One Venture Rewards Credit Card earns 5 miles per dollar on hotels and rental cars booked through Capital One Travel and 2 miles per dollar on other purchases.

Sign-up bonus: The Capital One Venture X Rewards Credit Card offers 100,000 bonus miles to cardholders when you spend $10,000 on purchases in the first 6 months from account opening, equal to $1,000 in travel. The Capital One Venture Rewards Credit Card comes with 60,000 bonus miles for cardholders once you spend $3,000 on purchases within 3 months from account opening, equal to $600 in travel.

Benefits: Both cards come with a fee credit for Global Entry or TSA PreCheck, no foreign transaction fee, and the option to transfer miles to eligible travel loyalty programs. The Capital One Venture X Rewards Credit Card also comes with unlimited access to Capital One Lounges and Priority Pass lounges.

Should You Get Capital One Venture X Rewards Credit Card?

  • Can earn enough in rewards to make up for the card’s $395 annual fee.
  • Frequently spend in the card’s bonus categories.
  • Don’t want to pay a foreign transaction fee.

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