Venture X (read me page) | TOI AND BRANDON

Capital One Venture X Rewards Credit Card

CURRENT OFFER

The Capital One Venture X Rewards Card is what we call a true “keeper card.” We've had our for a few years now, and between the solid miles-earning potential and unbeatable travel perks, it easily pays for itself every year. The annual fee might make you pause, but once you start using the benefits—especially airport lounge access—you’ll see the value. We’ve spent countless hours relaxing in lounges thanks to this card, and honestly, it’s been a game-changer.

One of the best features? You can use Capital One miles to book new travel or retroactively cover past travel purchases (up to 90 days old) at a flat rate of 1 cent per mile. That means your welcome bonus alone can wipe out up to $750 in travel expenses. Even better, you can transfer Capital One Miles to airline partners at a 1:1 ratio, giving you even more flexibility and value.

Right now, the Venture X is offering 75,000 bonus miles after spending $4,000 in the first 3 months—that’s worth over $1,300 in travel. It’s not just one of our go-to cards—it’s a favorite in the travel hacking community for a reason.

75,000 Bonus Miles

Earn 75,000 bonus miles after spending $4,000 in the first 3 months.

Rewards Rate

2X - 10X Miles

Annual Fee

$396

Comparable Cards

The Platinum Card® from American Express

Annual Fee: $695

WELCOME OFFER

80,000

Bonus Points

Chase Sapphire Reserve®

Annual Fee: $550

WELCOME OFFER

60,000

Capital One Venture X Business

Annual Fee: $395

WELCOME OFFER

Up to 350,000

Each year, you’ll receive various travel perks and benefits that completely offset the annual fee

The Venture X covers $750 on travel, even retroactively

Capital One Miles can be transferred to various airline programs at a 1:1 ratio, offering great flexibility for booking reward flights

This card does come with a $395 annual fee

Pros & Cons

Rewards Summary

10x per $1 on hotels and cars booked through Capital One Travel
5x per $1 on flights and vacation rentals booked through Capital One Travel
2x per $1 on all other purchases

Additional Benefits

Unlimited access to Capital One Lounges
Complimentary access to 1,300+ airport lounges worldwide, including Capital One Lounge locations and the Partner Lounge Network
Receive up to a $120 credit for Global Entry or TSA PreCheck
Receive a $300 travel credit annually for bookings through Capital One Travel
Get 10,000 miles as your anniversary bonus
Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection

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And, your miles don't expire as long as your account is open.

How to make the most of your Capital One

Venture X Rewards Credit Card

When it comes to Capital One Miles, the best way to maximize your miles is to redeem them with travel. And to take it one step further (because ahem this is Daily Drop), the Venture X Card will let you pay for any type of travel with miles. Yeah, you heard me right — ANY type of travel.

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We don’t recommend: Turning your Capital One Miles into cash

With a Capital One rewards card, you earn cash back or miles on every dollar you spend. The amount you earn varies based on the card and how you use it. However, this method simply doesn’t provide the best value.

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We sometimes recommend: Booking through Capital One’s portal

Booking travel through Capital One lets you redeem miles at 1 cent each, but you won't earn extra rewards or elite perks. It's better to book directly and then use your miles to cover the cost.

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We always recommend: Redeeming your miles for travel

The bottom line is — if a flight or hotel room can be bought with cash, you can use your miles to book it. You can redeem your miles at 1 cent each for travel purchases made in the last 90 days on your Venture X Card. And, there's no minimum amount needed. This means you could redeem for airlines, hotels, rail lines, car rentals, limousines, buses, cruises, taxis, travel agents, and more — literally anything in your wildest dreams! Taking advantage of these $750 worth of credits is what makes the Venture X so jaw-dropping and magical. By redeeming your miles for travel, you’ll absolutely maximize their value.