What is the average credit score needed to get approved for Capital One X Card?

For the Capital One X card, you need an excellent credit score.

Does Capital One Venture X report to all three credit bureaus?

Yes, it reports to all three credit bureaus.

Is the Capital One Venture X application process lengthy? Can you prequalify?

No, you cannot pre-qualify for the Capital One Venture X card but it takes only a few minutes to complete your application. Capital One usually tries to provide its decision about your application within 60 seconds, however, in certain instances, it may take up to 7-10 working days. You will receive regular updates via email.

What information is needed to apply for Capital One Venture X?

Applicants must provide name, date of birth, social security number, citizenship details and contact details, including residential address, phone number and email address. You also need to provide financial information, such as annual income, monthly rent amount and mortgage details, if any.

Does Capital One Venture X have good customer service or satisfaction?

As a credit card provider, Capital One is highly rated for its customer service.

Does Capital One Venture X have a mobile app or the option to pay or manage your account online?

You can use the Capital One Travel website or mobile app to book hotels, flights, make other purchases and earn rewards. You can check and manage your account using their mobile app.

Does Capital One Venture X offer the options to freeze your credit/account or have other security features?

There is a Card Lock feature that you can use with the Capital One Mobile App if your card is misplaced, stolen or lost.

Does Capital One offer other credit cards besides Capital One Venture X Card?

Yes, Capital One offers other credit cards which include the Secured Mastercard, the Platinum Mastercard, the Venture Rewards Card and the QuicksilverOne Rewards Card.

MoneyGeek's Take

Capital One Venture X Rewards Credit Card Review

If you are a frequent traveler and want to elevate your traveling experience but keep your expenses within a limit, then Capital One Venture X Rewards can be helpful. This premium reward card offers 75,000 bonus miles, 10x miles on hotels and rental cars and many such benefits against an annual fee of only $395.

Advertising & Editorial DisclosureLast Updated: 1/17/2023

Reviewed By

Capital One Venture X Rewards Credit Card

The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.

The Capital One Venture X Rewards card is a premium rewards card and great for cardholders who like to travel. You can earn exceptional rewards and use them toward travel and other perks. With Venture X, you can earn $300 in travel credit annually and unlimited 10x miles on car rentals and hotels. If you spend $4,000 within the first three months of opening the account, you can earn up to 75,000 bonus miles. Moreover, there are no foreign transaction fees associated with this card, allowing travelers more freedom.

Card Details to Know Up Front

Bonus, Fee or Feature
Has or Not
Has Annual Fee
Has Balance Transfer Offer
Has APR Offer
Cash Back Rewards
Travel Rewards
Hotel Benefits
Airline Benefits
Has Rewarding Welcome Offer
Has Foreign Transaction Fee
Recommended Credit
Excellent

Click to see this card’s rates, fees and how they compare to other cards in our dataset.

OUR REVIEW AT A GLANCE

Credit Card Details at a Glance
Pros & Cons Explained
Bonuses & Rewards Explained
Our Verdict: Is This Card for You?

Capital One Venture X Rewards Credit Card at a Glance

For travelers, the Capital One Venture X Rewards is an exceptional option. The rewards associated with this card can help cut down the exorbitant fees of premium travel. Every anniversary, cardholders are eligible for 10,000 bonus miles. Additional perks include new member offers, annual travel credit and unlimited rewards, which can help you level up your traveling experiences without paying hefty charges.

Capital One Venture X Rewards Credit Card
A good travel rewards card with airport benefits
- ExcellentRecommended Credit
- $395Annual Fee
- 21.24% – 28.24% variableAPR
- 2–10 MilesRewards Rate
Pros
Access to Capital One and Priority Pass airport lounges
Global entry or TSA PreCheck fee credit
No foreign transaction fees
Transfer miles to 15+ travel loyalty programs

Cons
Only a few domestic airline and hotel travel partners
Capital One lounge network is just starting up
High APR on cash advances
$395 annual fee
No foreign transaction fees
High reward rates for bookings made through Capital One Travel
Early spend bonus of 75,000 miles if you spend $4,000 on purchases in the first three months
Annual travel credit up to $300
Anniversary miles bonus of 10,000 miles
Disclaimer: Credit card offers are constantly changing. We work hard to stay updated with the latest information, but the offers listed on our site may no longer be available.
Terms, rates and fees apply
Compare this credit card with other top-rated credit cards.

Pros & Cons Explained

It is important to consider the benefits and drawbacks of every credit card. We will discuss the pros and cons of the Venture X card to help you make a comprehensive decision.

Pros

Benefits
Description
Reimbursement on global entry fees or TSA PreCheck
You can get reimbursed up to $100 on the global entry application fee by using this card to complete the payment. You are also eligible for reimbursement regarding the TSA PreCheck $85 application fee. Your account will be credited with the amount paid within 1-2 billing cycles, according to the program you applied to first. You can get one statement credit per account every four years. Your account needs to be open and in good standing to be eligible.
Travel accident insurance
With a Venture X card, you get automatic insurance coverage for losses covered. You do not need to pay any extra charges for this insurance, provided you use your credit card to purchase the airfare.
Redeem rewards using PayPal
There are millions of websites where you can shop and redeem your rewards using PayPal.
No foreign transaction fee
If you use the Venture X card outside of the U.S., you do not have to pay foreign transaction fees. Most credit cards charge around 3% for transactions outside of the U.S.

Cons

Drawbacks
Description
High APR on cash advances
APR is high on cash advances. It is 28.24% and varies according to the market as per the prime rate.
Capital One lounge network is just starting up
Using Capital One Lounge is one of the prime rewards of this card. However, these lounges are actively launching.

ARE YOU LOOKING FOR THE BEST TRAVEL CREDIT CARDS FOR 2022?

The MoneyGeek team evaluates and analyzes the data of each credit card present in our database to select the top picks for all popular categories. You can check out our top choices for the best travel credit cards of 2022.

Bonuses & Rewards Explained

Here we have analyzed the bonuses and rewards that are offered by the Capital One Venture X Rewards Card.

Bonus structures

Yearly, you can earn 10,000 bonus miles, totaling close to $100 for travel. This bonus is eligible for receipt one year after account opening to those who consistently pay their annual membership fee (AMF).

Reward programs

Capital One Venture X card offers unlimited 10X miles on hotels and rental car bookings. You can also receive 5x miles on flight tickets and 2X on other travel purchases. Redeem using the Capital One Travel website or mobile app.

Welcome bonuses

If you make travel-related purchases totaling $4,000 within the first three months from opening the account, you will receive a bonus of 75,000 miles.

Annual travel credit

You will be eligible to receive a statement credit of $300 (maximum) in a year to be redeemed using the Capital One Travel website. Your account must be open and in good standing to redeem this benefit.

Other Features Explained

There are many other benefits that the Capital One Venture X card offers to cardholders. MoneyGeek has highlighted a few below for your consideration.

Card Feature
Description
24-hour travel assistance services
Suppose your credit card gets stolen. Don’t panic. Capital One provides 24-hours travel assistance services for their Venture X cardholders, including emergency card replacement and cash advances.
Miles transfer
With the Venture X card from Capital One, you can transfer your miles to any of the 15+ travel loyalty programs of Capital One, making the rewards and bonuses even more attainable.
Premier Culinary Experiences
You can use your rewards to experience great dining experiences at select venues with Capital One’s multiple collaborations.
$0 Fraud Liability
If your card is stolen, you will not be held responsible for any unauthorized transactions. Once you report that your card is stolen, Capital One will know to stop or pause the card and block all transactions going forward.
Virtual Card number with Eno
Capital One Venture X comes with a virtual card number in addition to your actual card number. You can use the virtual card number for purchases and keep the physical one private.
Card lock
Capital One offers a mobile app with which you can lock the card if it gets stolen, lost or misplaced. You can learn more about this feature using our glossary.
Avail credit report with CreditWise
You can get information about the changes in credit card reports from Experian or TransUnion using Capital One’s CreditWise services.

MONEYGEEK QUICK TIP

Make sure that your account is in good standing to receive the $300 annual travel credit. You can increase your chances of receiving the credits by maintaining good credit history.

Understanding the Fine Print

When evaluating whether the Capital One Venture X card is right for you, it’s important to read and understand the fine print. Take into consideration various fees, reward rates and other important details. This will help you understand the card and make a comprehensive decision.

Card Feature
Amount or Rate
APR
21.24% – 28.24% variable
Annual Fee
$395
Cash Back Rewards
Rewards Rate
2–10 Miles
Airline Benefits
Rewards Rate on Groceries
2x
Rewards Rate on Gas
2x
Rewards Rate on Dining
2x
Rewards Rate on Entertainment
2x
Rewards Rate on Online Shopping
2x
Rewards Rate on TV, Phone, Internet Services
2x
Rewards Rate on Air Travel
5x
Rewards Rate at Hotels
10x
Balance Transfer Fee
3%
Balance Transfer APR
21.24% – 28.24% variable
Late Fees
Up to $40
Cash Advance Fee
$3 or 3%, whichever is greater
Cash Advance APR
28.24% Variable
Foreign Transaction Fee
None

APR for purchases, transfers and cash advances
With the Capital One Venture X Rewards card, the APR varies as per your creditworthiness. The variable annual percentage rate (APR) can be 21.24% – 28.24% on purchases and transfers. On cash advances, the applicable APR is 28.24%. These rates will vary as per market based on the prime rate published in The Wall Street Journal every quarter.
Annual fee
The annual fee is $395. Upon paying this membership fee every year, your card will remain active and you will be able to get all the rewards and bonuses.
Transaction fees
A 3% transaction fee on transfers is charged. This fee is charged on the amount of each transfer posted in your credit card account at a promotional APR that Capital One offers. However, nothing is charged if the transfer is done at regular APR. Cash advances are subject to a higher rate of $10 or 3% of the transaction amount, whichever is greater. However, there is no extra international transaction fee which is a great relief for cardholders traveling to foreign countries frequently.
Late payments fee
There is a late payment fee of up to $40, which will be levied if you fail to pay your credit card bill by the due date.

WHERE TO FIND THIS INFORMATION?

If you want to compare Venture X from Capital One with other travel credit cards, consider the APR, transaction fee and annual fee of each card. To compare this card to your existing cards, you can check your last credit card bill, the website of the issuer of your card or the mobile app. Moreover, you can also source information from the credit card agreement database provided by the Consumer Financial Protection Bureau (CFPB).

Who Should & Shouldn’t Consider Capital One Venture X Rewards Credit Card?

Other Considerations for Capital One Venture X Rewards Credit Card

Before you make your decision, consider the benefits and drawbacks of the Capital One Venture X card as well as your spending habits and other cards you use, if any.

Things to Consider if This Will Be Your First or Only Credit Card

If this is your first card, keep in mind that an excellent credit score is required for card eligibility. People who travel frequently can benefit from this card. Every dollar spent on booking hotels will earn you 5 miles and every dollar toward renting cars will earn you 10 miles.

Things to Consider if This Will Be an Additional Card in Your Wallet

If you pay hefty annual fees for other credit cards, make sure another annual fee of $395 is within your budget before adding the Capital One Venture X to your wallet. If your existing card has an international transaction fee attached to it, then adding Venture X can be beneficial as it has no foreign transaction fee. You can use this card while traveling out of the U.S. stress-free.

WHY TRUST OUR REVIEWS

At MoneyGeek, we follow a well-defined methodology and review process for reviewing every credit card. The process of reviewing credit cards includes a collection of data from the Consumer Finance Protection Bureau’s database, then analyzing and standardizing the data points so that you can compare them easily. We evaluate the average spend profiles, carry out a regular re-ranking process and determine the long-term value of each card.

How Capital One Venture X Rewards Credit Card Compares to Other Cards

Though Capital One Venture X Rewards card is one of the best travel credit cards which offers huge rewards and bonuses at an average annual fee and other charges, comparing it with other travel cards can help you choose wisely.

Quick Comparison of Capital One Venture X

*Capital One Venture X Rewards Credit Card

Annual Fee: $395
Purchase APR: 21.24% – 28.24% variable
Cash Advance APR: 28.24%
Balance Transfer Transaction Fee: 3%

Chase Sapphire Reserve® Card

Annual Fee:$550
Purchase APR: 21.24% – 28.24% variable
Cash Advance APR: 29.24%
Balance Transfer Transaction Fee: $5 or 5% (whichever is higher)

Other Helpful Decision-Making Q&As

Here are some of the most commonly asked questions that we have answered about the Capital One Venture X card for you to arrive at a decision easily.

Still not sure about this card? Consider these options.

If you're unsure about whether Capital One Venture X is the right fit for you, consider taking a look at what some of the other leading travel credit cards have to offer. If you're not looking for a travel credit card, you might be better off with a rewards card or a balance transfer card.

>>MORE: EVERYTHING YOU NEED TO KNOW ABOUT CAPITAL ONE BALANCE TRANSFERS

View All Credit Cards

Learn more about credit cards in general

sources

Capital One. "Capital One Venture X card." Accessed February 27, 2022.
Chase. "Chase Website." Accessed February 27, 2022.
Consumer Financial Protection Bureau (CFPB). "Credit card agreement database." Accessed February 27, 2022.

*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity. Learn more about our editorial policies and expert editorial team.
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