Capital One Venture X Rewards
A Capital One Visa card with a $395 annual fee. Here's what it pays back after that fee for three spending profiles, simulated month by month. Terms verified Oct 5, 2026.
What it's worth
5 years, the welcome offer counted when the profile's own spending reaches it, points valued for travel. Merchant credits like Uber or DoorDash aren't counted for typed profiles.
| Profile | Year 1 | Then yearly | 5 years |
|---|---|---|---|
| Everyday spender About $2,000 a month, mostly groceries and errands, one trip a year. | $1,750 | $775 | $4,850 |
| Balanced About $3,500 a month with a few trips a year and regular dining out. | $2,290 | $1,315 | $7,550 |
| Frequent traveler About $5,000 a month, heavy on flights, hotels and restaurants, some trips abroad. | $2,830 | $1,855 | $10,250 |
Your spending isn't one of our profiles. Drop in a year of statements and see where the Venture X ranks against every card we track. They're read on this device and never uploaded.
Terms
| Term | Venture X |
|---|---|
| Issuer and network | Capital One, Visa |
| Annual fee | $395 |
| Requires | Nothing extra |
| Welcome offer | 75,000 points after $4,000 in 3 months |
| Earning | 10X miles on hotels and rental cars booked through Capital One Travel · 5X miles on flights and vacation rentals booked through Capital One Travel · 5X miles on Capital One Entertainment ticket purchases · 2x on everything else |
| Rewards currency | Capital One miles |
| Statement credits | $300 annual Capital One Travel credit |
| Lounges | Capital One Lounge / Capital One Landing, Priority Pass member lounge (lounges only; restaurants, spas, sleep pods, gaming excluded) |
| Foreign transaction fee | None |
| Authorized users | No fee |
| Availability | Open to new applicants |
| Verified | Oct 5, 2026 |
Checked against the issuer's page. Dates and sources for each part.
Fine print
- Capital One miles: 'Cover your travel purchases' (statement credit against travel charges posted in the last 90 days) and bookings on Capital One Travel redeem at 1 cent per mile (issuer terms: multiply the travel cost by 100 to get miles needed). Cash/statement credit or check not tied to travel is 0.5 cent per mile per TPG and other secondary sources; Capital One's own terms only say rates 'vary'.
- Authorized users themselves are free (lounge terms: 'Primary cardholders can still keep or add additional cardholders to their account without lounge access for no fee'). The optional AU lounge add-on is $125 per AU per year (up to 4 AUs) and includes Capital One Lounges/Landings and Priority Pass.
- Venture X Business (not this card) keeps 2 free Priority Pass guests; the personal Venture X does not.
- Balance transfers: no fee at the regular Transfer APR; 4% fee on any balance transferred at a promotional APR Capital One may offer later. No intro APR.
- Purchase APR is 19.74%, 24.74% or 28.74% variable depending on creditworthiness (rates & disclosures, campaign 2026-09-30).
- Global Entry/TSA PreCheck credit up to $120 once every 4 years (issuer terms).
Already have it? Is the Venture X still worth $395 a year?