Status: checked against official sources; automated independent review
Part of Capital One Miles hub · Capital One Venture Card hub · Capital One Venture X hub
PROGRAMME PROFILE
Capital One Venture X: Published Terms
Capital One Venture X is a Capital One travel rewards credit card that charges a $395 annual fee and earns 2X miles on every purchase, with higher rates on bookings made through Capital One Travel. [1] [7]
Facts checked: 18 October 2026
Key takeaways
- Capital One Venture X carries a $395 annual fee and, as of 18 October 2026, earns 2X miles on all purchases plus higher rates on Capital One Travel bookings. [1] [7]
- Miles do not expire for the life of the account, and Capital One lists no blackout dates. [1]
- Primary cardholders can use Capital One Lounges, Landing locations and 1,300+ participating Priority Pass lounges; Priority Pass entry requires enrolment and access depends on space. [1]
- A $300 Capital One Travel credit is issued each year and expires on the next account open date anniversary. [7]
- 10,000 bonus miles post after each anniversary, starting with the first. [7]
What does the Venture X cost, and how does it earn miles?
The published annual fee is $395, and the listed purchase rate is 19.74%–28.74% variable APR. [1] [7] Capital One shows the card under an "Excellent" credit level. [1]
Earning is tiered by where the purchase is made, as of 18 October 2026: [1]
| Where the purchase is made | Miles per dollar |
|---|---|
| Hotels and rental cars booked through Capital One Travel | 10X [1] |
| Flights and vacation rentals booked through Capital One Travel | 5X [1] |
| Capital One Entertainment purchases | 5X [1] |
| All other purchases | 2X [1] |
The 10X and 5X travel rates are tied to bookings made through Capital One Travel. [1] The 5X entertainment rate covers tickets bought on the Capital One Entertainment ticketing platform only; tickets bought through cardholder pre-sales, or directly through the Capital One Hall or Capital One Arena ticketing services, are excluded. [1]
The other Venture cards use the same 2X everyday rate (Venture) or a lower 1.25X rate (VentureOne), but a flatter travel tier: 5X on hotels, vacation rentals and rental cars booked through Capital One Travel. [5] [6]
| Card | Annual fee | Everyday earning | Earning on Capital One Travel bookings |
|---|---|---|---|
| Venture X | $395 [1] | 2X [1] | 10X hotels and rental cars; 5X flights and vacation rentals [1] |
| Venture | $95 [5] | 2X [5] | 5X hotels, vacation rentals and rental cars [5] |
| VentureOne | $0 [6] | 1.25X [6] | 5X hotels, vacation rentals and rental cars [6] |
How does the $300 annual Capital One Travel credit work?
Each year, eligible Venture X primary account holders receive a $300 credit to use on purchases made through Capital One Travel. [7] An annual credit expires on the next account open date anniversary, and it can be spent in one go or in parts across several bookings. [7] No rewards are earned on the credit, and the account must be open and in good standing to receive or use it. [7] If a booking paid with the credit is cancelled, the credit is restored provided it has not expired; an expired credit is not restored. [7]
New cardholders can also earn 75,000 bonus miles after spending $4,000 on purchases within the first three months from account opening. [7] The bonus is one-time, is offered to applications made through the page that carries it, and is not available to anyone who has received a new cardmember bonus for the Venture X card in the past 48 months. [7]
Which lounges can Venture X cardholders use?
Lounge access belongs to the primary cardholder, who can enter Capital One Lounge and Landing locations and 1,300+ participating Priority Pass lounges worldwide. [1] Entry to a Capital One Lounge requires the physical Venture X card or the digital lounge pass in the Capital One Mobile app, while Priority Pass lounges require the cardholder to enrol first. [1] Access is not guaranteed and depends on space being available. [1]
Priority Pass describes its own network as 1,900+ airport lounges and experiences in more than 600 cities and 143 countries. [8] The 1,300+ figure is the number of participating lounges Capital One publishes for this card benefit. [1]
How do Capital One Miles work on the Venture X?
Miles earned on the card do not expire for the life of the account, and Capital One states that there are no blackout dates. [1] Miles can be transferred to a choice of 15+ travel loyalty programmes; once a transfer is final, the receiving programme's terms apply, including its rules on expiry and value. [1] [5] For the vocabulary of transfers and redemptions, see the points and miles glossary.
The account also earns 10,000 bonus miles after each anniversary, starting with the first, and charges no foreign transaction fee on purchases made outside the United States. [7] [1] Paying a mobile phone bill with the card brings cell phone protection of up to $800 if the phone is stolen or damaged, subject to terms, conditions and exclusions. [1]
Additional cardholders can be added and earn rewards on their spending, but the primary account holder is responsible for every charge, some benefits require enrolment, and benefits may differ by card role type or carry additional fees. [1] Eligible cardholders enrol for a Hertz Gold+ Rewards status upgrade through the Benefits Tab link in the Capital One website or mobile app, and that offer is subject to change. [1]
Exceptions and limits
- Lounge access is conditional. The published benefit is for primary cardholders, Priority Pass lounges require enrolment, and entry depends on space being available at the lounge. [1]
- The travel credit is annual and use-it-or-lose-it. It expires on the account open date anniversary, and a credit that has already expired is not restored if the booking is cancelled. [7]
- The welcome bonus has a 48-month lookback. Applicants who received a new cardmember bonus for the Venture X card within the previous 48 months are not eligible. [7]
- Transferred miles leave Capital One's rules behind. After a transfer, the receiving loyalty programme's terms govern the miles. [1] [5]
- Entertainment earning is narrow. Only tickets bought on the Capital One Entertainment ticketing platform earn 5X; pre-sale tickets and tickets bought directly from the Capital One Hall or Capital One Arena ticketing services do not. [1]
Frequently asked questions
How much is the Capital One Venture X annual fee?
$395 a year, as published on 18 October 2026. [1] [7]
Do Venture X miles expire?
No. Capital One says miles will not expire for the life of the account, and lists no blackout dates. [1]
What can the $300 Capital One Travel credit be spent on?
Purchases made through Capital One Travel, used in full or in part, and the credit expires on the next account open date anniversary. [7]
Who can get into the lounges with a Venture X card?
Primary cardholders, at Capital One Lounges, Landing locations and 1,300+ participating Priority Pass lounges, with enrolment needed for Priority Pass and entry subject to space. [1]
How many miles does the Venture X earn per dollar?
2X on all purchases, 5X on flights and vacation rentals booked through Capital One Travel, 5X on Capital One Entertainment purchases and 10X on hotels and rental cars booked through Capital One Travel. [1]
Sources
Sources checked on 18 October 2026. The Capital One Venture Rewards, VentureOne Rewards and Venture X Business cards, Capital One's cash back cards and other issuers' travel cards are not covered here beyond the comparison table.
- Capital One Venture X Rewards card page, checked 18 October 2026
- Capital One Venture Rewards card page, checked 18 October 2026
- Capital One VentureOne Rewards card page, checked 18 October 2026
- Capital One credit card list with rate and fee information, checked 18 October 2026
- Priority Pass airport lounge network, checked 18 October 2026