Who should (and shouldn’t) get the Capital One Venture X Card?

One of the most popular premium travel rewards credit cards on the market is the Capital One Venture X Rewards Credit Card.
While its $395 annual fee (see Rates & Fees) is considerable, the card offers a range of travel benefits – from $300 in annual points purchased through Capital One Travel to free lounge access for up to four authorized users Rights – These can easily offset the card’s full-year charges (see rates and fees).
The card is an upgrade from the Capital One Venture Rewards Credit Card, the tried-and-true Capital One product with a $95 annual fee (see rates and fees), but still offers the experience of its more expensive sibling .
Of course, Venture X isn’t for everyone. Let’s take a closer look at who should and shouldn’t apply for this card.
Learn more: Capital One Ventures X
Key Benefits of Capital One Venture X
Capital One Venture
These 75,000 miles are worth at least $750 when redeemed for travel directly through Capital One Travel or as statement points on other travel purchases. But thanks to a strong set of airline and hotel transfer partners, their value has risen to $1,388, according to TPG’s January 2025 valuation.
While this is attractive enough on its own, this card also offers many other valuable everyday benefits:
- income: Venture Get unlimited 2 miles
- Credit: Book with Capital One Travel and earn $300 in points per year
- Anniversary bonus: 10,000 bonus miles per account anniversary starting on first anniversary (valued at least $100 for travel)
- Lounge access: Complimentary access to more than 1,300 Priority Pass lounges worldwide for cardholders, authorized users and up to two guests per visit to a Capital One lounge and for up to two guests traveling with the cardholder or authorized user
- Authorized Users: Up to four authorized users can be added for free (see rates and fees), who also receive the same guest access to Capital One Lounges and Priority Passes as cardholders
- Global Entry or TSA Pre-Check: Up to $120 in bill points for TSA PreCheck or Global Entry
- Annual fee: $395 (see rates and fees)
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Who should get Venture X?
If you’re considering the Venture X, let’s narrow down why the card is right for you.
You want the simplicity of a premium card
The Venture X Credit Card is a premium card that’s easy to understand. Unlike some other products with dizzying claims of credits and third-party partners, Venture X’s perks are relatively simple.
In fact, Venture Venture
In addition, Venture X cardholders can earn 10,000 bonus miles on every account anniversary. These miles are worth $100 when redeemed through travel portals, and may be worth more if you transfer the miles to an airline or hotel partner.
Simple math will show that between annual travel points and bonus miles on each account anniversary, you’re already breaking even on the $395 annual fee (see Rates and Fees). And that’s not including a variety of other benefits.
Related: Capital One Ventures X Credit Card Review: Luxurious Benefits for a Reasonable Annual Fee
You want to use an airport lounge
While more and more travel credit cards seem to be offering airport lounge access these days, the Venture X still has a few features that make it stand out in this regard.
Venture )’s Capital One landing site). The lounge features modern design, a premium dining experience and extensive takeout options.
In addition, Venture X cardholders have access to more than 1,300 Priority Pass lounges around the world.
You want free authorized users
Venture X cardholders can add up to four new authorized users for free.
This is an excellent value proposition considering that authorized users have unlimited access to Capital One lounges and enjoy the same guest policies as cardholders.
In addition, authorized users can also obtain Hertz President Circle elite status. By signing up for your first capital account, your authorized users can enjoy the top status of Hertz car rentals.
After registering through the Capital One website or mobile app, eligible cardholders will maintain that status level for the duration of the offer. Please note that enrollment through the normal Hertz Gold Plus Rewards enrollment process (e.g., at Hertz.com) does not automatically detect cardholder eligibility for the program and cardholders will not be automatically upgraded to the applicable status level . Additional terms apply
You want some of the best travel protection benefits
The Visa Infinite card offers the industry’s most comprehensive travel and travel protection benefits.
These include trip cancellation and interruption coverage, trip delay compensation, lost baggage compensation, mobile phone protection, rental car protection, purchase protection, extended warranty protection and returns protection.
Who shouldn’t get Venture X?
While the Venture X is an impressive high-end card, it’s not for everyone. Let’s take a closer look.
You want a strong premium lounge network now
Venture X offers a wide range of travel benefits, but so far it has only opened three exclusive airport lounges and one food and beverage concept.
Indeed, while Capital One has grand ambitions for its own lounge network, American Express has a significant lead in Centurion lounges at more than 20 airports, as well as a global portfolio of lounges that includes Priority Pass and Delta Air Lines Sky Club (when traveling on the same day as Delta).
Therefore, some frequent lounge users may prefer a card like this American Express Platinum Card®.
You don’t travel much or plan to take advantage of transfer partners
To really get the most out of your Venture X card, you should consider taking advantage of Capital One’s transfer program.
Capital One has made several major developments in its mileage program over the past few years, including a shift from fixed-rate redemptions to adding airline and hotel transfer partners and increasing mileage transfer rates. If you don’t use a transfer partner, the best redemption rate is 1 cent per mile.
However, by leveraging a transfer partner, there are several optimal redemption opportunities that allow you to further maximize the value of your Venture X.
bottom line
The Capital One Venture X Rewards Credit Card is an excellent choice for those in the market for a great credit card with easy-to-understand offers. However, for those looking for a card with better lounge access or the flexibility of not needing airline and hotel transfer partners, there may be better options.
That said, we think this card is almost a no-brainer for everyone from luxury seekers to budget travelers.
Read our full review of Venture X to learn more.
learn more: Capital One Ventures X
For the Capital One products listed on this page, some of the above offers are provided by Visa® or Mastercard® and may vary by product. Please see the appropriate benefits guide for details as terms and exclusions apply.