Status: checked against official sources; automated independent review
PROGRAMME PROFILE
Capital One Venture X: travel card profile
Capital One Venture X is a premium travel rewards credit card issued by Capital One with a $395 annual fee, at least 2 miles per dollar on every purchase, airport lounge access and transfers to more than 15 travel loyalty programmes. [1] Its highest rate, 10X miles, applies to hotels and rental cars booked through Capital One Travel, and its miles do not expire for the life of the account. [1]
Facts checked: 18 October 2026
Key takeaways
- The card costs $395 a year and earns 2X miles on everyday purchases, rising to 5X on flights and vacation rentals and 10X on hotels and rental cars booked through Capital One Travel. [1]
- Miles do not expire for the life of the account, and Capital One states that there are no blackout dates. [1]
- Primary cardholders can use Capital One Lounges and Landing locations, plus more than 1,300 Priority Pass lounges worldwide; access depends on space and, for Priority Pass, on enrolment. [1]
- Miles can be transferred to a choice of 15 or more travel loyalty programmes, and a completed transfer is final. [1]
How do you earn miles with the Venture X?
Capital One publishes four earning rates for the card. [1]
| Where the spending happens | Miles per dollar |
|---|---|
| Hotels and rental cars booked through Capital One Travel | 10X |
| Flights and vacation rentals booked through Capital One Travel | 5X |
| Capital One Entertainment purchases | 5X |
| All other purchases | 2X |
The 10X and 5X travel tiers are tied to bookings made through Capital One Travel; everything else earns the base 2X rate. [1] The 5X rate on Capital One Entertainment applies only to tickets bought on the Capital One Entertainment ticketing platform with an eligible card — tickets bought through cardholder-only pre-sales, or directly through the Capital One Hall or Capital One Arena ticketing services, do not qualify. [1] The account must be open and in good standing, miles post within one to two billing cycles, and miles earned on a purchase are reclaimed if it is cancelled or returned; the offer is for consumer, non-commercial use. [1]
For cost context, Capital One lists a purchase rate of 19.74%–28.74% variable APR and an “Excellent” credit level for applicants. [1]
Which hotel credits and cardholder benefits does it include?
Bookings made through Capital One Travel in the Premier Collection or Lifestyle Collection carry an experience credit applied to qualifying charges, plus a small set of on-property benefits. [1]
| Booking type | What is included |
|---|---|
| Premier Collection hotel stay | Experience credit up to $100 USD applied at checkout by the hotel; daily breakfast for two; complimentary Wi-Fi; room upgrade, early check-in and late checkout when available |
| Lifestyle Collection hotel stay | Experience credit up to $50 USD applied at checkout by the hotel; complimentary Wi-Fi; room upgrade, early check-in and late checkout when available |
| Premier Collection vacation rental | Experience credit up to $100 USD applied at booking by the host provider; complimentary Wi-Fi; early check-in and late checkout when available |
| Lifestyle Collection vacation rental | Experience credit up to $50 USD applied at booking by the host provider; complimentary Wi-Fi; early check-in and late checkout when available |
These benefits require the booking to be made through Capital One Travel in the eligible cardholder’s name, with the cardholder travelling as part of the party. [1] They apply per room, per stay, cannot be exchanged for cash or combined with other offers unless stated, and two bookings of the same property within 24 hours count as a single reservation, so the benefits are not doubled. [1] Qualifying charges vary by location and must be charged to the room during the stay; hotels may set a minimum number of nights, and for some properties the vacation rental credit arrives as a gift card. [1]
Other cardholder benefits listed for the card include:
- No foreign transaction fee on purchases made outside the United States. [1]
- Cell phone protection of up to $800 when the mobile bill is paid with the card, subject to terms, conditions and exclusions. [1]
- Additional cardholders can be added, and the primary cardholder earns rewards on what they spend; some benefits differ by card role and may need enrolment or extra fees. [1]
- A Hertz Gold+ Rewards status upgrade, activated through a dedicated link in the Capital One website or app after signing in. [1]
- 50% off the Enthusiast membership of The Cultivist for up to two years, with enrolment required and automatic annual renewal. [1]
- Up to 100,000 bonus miles for referrals when the referred applicant is approved, under the referral terms. [1]
Which airport lounges can Venture X cardholders use?
Lounge access on this card is described for primary cardholders: Capital One Lounges and Landing locations, and more than 1,300 participating Priority Pass lounges worldwide. [1] Entering a Capital One Lounge requires the physical Venture X card or a digital lounge pass held in the Capital One mobile app. [1] Priority Pass lounge access requires the cardholder to enrol first. [1] Entry is not guaranteed and is subject to space availability at the lounge. [1] Capital One also notes that some benefits may differ by card role type. [1]
Can miles be transferred to travel loyalty programmes?
Miles can be used to cover travel expenses such as flights, hotels, vacation rentals and rental cars, or transferred to a choice of 15 or more travel loyalty programmes. [1] Once a transfer is complete it cannot be reversed, and the receiving programme’s terms then govern the transferred miles. [1] Because miles do not expire for the life of the account and there are no blackout dates, the balance stays usable while the account remains open. [1] For the vocabulary behind these mechanics, see the frequent flyer glossary.
Exceptions and limits
- Top earning rates are channel-specific: 10X and 5X apply only to travel reserved through Capital One Travel, and the 5X entertainment rate only to tickets bought on the Capital One Entertainment platform. [1]
- Hotel and vacation rental credits are conditional on booking through Capital One Travel in the cardholder’s name with the cardholder travelling, are capped at $100 USD or $50 USD depending on the collection, and are void on cash-equivalent or combined offers. [1]
- Two stays or rentals of the same property within 24 hours are treated as one reservation and do not earn double benefits. [1]
- Lounge entry is subject to availability, and Priority Pass access additionally requires enrolment; the physical card or a digital pass is needed at Capital One Lounges. [1]
- Cell phone protection is capped at $800 per claim scenario, and exclusions apply. [1]
- Benefits may need enrolment, may differ by card role, may carry additional fees, and prices and benefits are subject to change. [1]
- Referral bonuses depend on the referred person being approved. [1]
Frequently asked questions
How much is the Capital One Venture X annual fee?
$395 a year, as listed by Capital One on the card page. [1]
Do Venture X miles expire?
No — the miles do not expire for the life of the account, and Capital One also states that there are no blackout dates. [1]
What is the maximum miles rate on the Venture X?
10X miles, earned on hotels and rental cars booked through Capital One Travel; flights and vacation rentals booked there earn 5X, Capital One Entertainment purchases earn 5X, and everything else earns 2X. [1]
Can Venture X miles be transferred to other loyalty programmes?
Yes, miles can be transferred to a choice of 15 or more travel loyalty programmes, and transfers are final once completed. [1]
Which lounges does the Venture X include?
Primary cardholders get access to Capital One Lounges and Landing locations and to more than 1,300 Priority Pass lounges, subject to space availability and, for Priority Pass, prior enrolment. [1]
Sources
Sources accessed on 18 October 2026. It covers the consumer Venture X Rewards card only; the Venture card, the Venture X Business card and the airline and hotel loyalty programmes named in transfer terms are separate products and are not covered here.
- Capital One Venture X Rewards card page, checked 18 October 2026