Capital One Venture X Rewards Credit Card

The Capital One Venture X Rewards Credit Card is a premium travel-focused Visa credit card and is one of the best personal cards on the market.

The yearly credits and travel benefits that come with the Capital One Venture X Rewards card easily offset the annual fee, making this card one to keep in your wallet for a long time.

This card is best for travelers who’ll be able to make the most out of the benefits, such as the airport lounge access and the yearly travel credits.

Bonuses & Fees

The Capital One Venture X Rewards card currently has a welcome bonus of  75,000 Capital One miles, which are earned after spending $4,000 (all figures in USD) within the first three months of card membership†

Cardholders will also received a 10,000 bonus miles as an anniversary bonus every year, starting on your first anniversary†

The card has an annual fee of $395†, and you can also add up to four authorized users for no additional cost

Earning Rewards

The Capital One Venture X Rewards card comes with some very nice earning rates across the board, but the 10x earning rate through the Capital One travel portal is definitely worth highlighting.

When you make a booking through Capital One Travel using your Venture X Rewards card, you’ll earn a $300 travel credit, where you’ll get the best prices on thousands of options†

By using the Capital One Venture X Rewards card for eligible purchases, you can additionally earn Capital One miles at the following rates:

• Earn 10 Capital One miles per US dollar spent on hotels & rental cars booked through Capital One Travel‡
• Earn 5 Capital One miles per US dollar spent on flights booked through Capital One Travel‡
• Earn 2 Capital One miles per US dollar spent on all other eligible purchases‡

Redeeming Rewards

Capital One miles are a flexible currency. This means that your miles can be transferred to other loyalty programs or redeemed in a variety of additional ways.

Generally speaking, you’ll get the most value for your miles by transferring them to partner loyalty programs; however, you also have the option to redeem your miles for statement credits which can help offset the cost of both travel and non-travel expenditures.

Currently, Capital One miles can be transferred to 15 airline and three hotel transfer partners, giving you loads of options for all sorts of travel plans.

The following airline loyalty programs are transfer partners with Capital One miles:

• Aeromexico Rewards
• Air Canada Aeroplan
• Air France/KLM Flying Blue
• Cathay Pacific Asia Miles
• Avianca LifeMiles
• British Airways Executive Club
• Emirates Skywards
• Etihad Guest
• Eva Air Infinity MileageLands
• Finnair Plus
• Qantas Frequent Flyer
• Singapore Airlines KrisFlyer
• TAP Miles&Go
• Turkish Airlines Miles&Smiles
• Virgin Red

Additionally, Capital One miles can be transferred to the following hotel loyalty programs:

• Accor Live Limitless
• Choice Privileges
• Wyndham Rewards

Capital One miles are transferable to all the above loyalty programs at a rate of 1:1 with the exceptions of Eva Air Infinity MileageLands (1 Capital One miles = 0.75 Eva Air mile) and Accor Live Limitless (2 Capital One miles = 1 Accor point).

You can also redeem Capital One miles against travel purchases made through Capital One Travel or against other travel purchases made outside of the Capital One portal, at a rate of 1 cent per mile.

This means that the welcome bonus of 75,000 miles could be redeemed for up to $750 in statement credits on eligible travel expenses.

There are also additional redemption options with Capital One miles, but they won’t get you the same value as transferring your miles to a partner program or even the same value as redeeming your miles at 1 cent per mile against travel expenses.

Perks & Benefits

The Capital One Venture X Rewards card comes with a nice lineup of perks and benefits, most of which are geared towards travel.

The best perk offered by the Venture X Rewards card is the annual travel credit.

Each year of card membership, you’ll receive a $300 credit that can be used towards purchases made through Capital One Travel. This credit is valid for one year from the date of issue.

The Capital One Travel portal is powered by hopper, so you should find prices to be comparable with what you’d see through other online travel booking services.

In addition to the $300 annual travel credit, you’ll also receive 10,000 Capital One miles every year starting on your first anniversary.

As another perk, with the Capital One Venture X Rewards card, you’ll have access to over 130 Plaza Premium airport lounges and all three Capital One airport lounges for you and up to two guests per visit.

What’s more, you’ll receive a complimentary Priority Pass membership, granting you access to an additional 1,300 airport lounges worldwide for you and up to two guests.

For any upcoming hotel stays you have planned, it’s worth noting that Venture X Rewards cardholders also benefit from access to Capital One’s Premier Collection, a boutique hotel program.

When booking your hotel stays through Capital One’s Premier Collection, not only will you earn 10x Capital One miles per US dollar spent, but you’ll also enjoy a suite of benefits:

• $100 experience credit
• Daily breakfast for two
• Room upgrade (subject to availability)
• Early check-in and late check-out (subject to availability)

The benefits offered with the Premier Collection are similar to those you’d find through Amex Fine Hotels and Resorts, Virtuoso, or other preferred partner programs.

Additionally, for the avid traveler, the Venture X Rewards card also comes with the choice of a $120 Global Entry credit or TSA PreCheck credit to expedite your experience at US customs. These credits are available once every four years when you pay the program application fee with your Venture X Rewards credit card.

The Venture X Rewards card also provides you with status in Hertz’s highest loyalty tier, President’s Circle.

This benefit comes with additional points when booking a Hertz car rental, a guaranteed car upgrade, and no extra fees when you add an additional driver to the rental.

In addition to these diverse and helpful travel benefits, the Capital One Venture X Rewards card comes with complimentary subscriptions/memberships to PRIOR, The Cultivist, and Gravity Haus.

Most notable of these, the Cultivist partnership provides 6 months of complimentary Enthusiast level membership, which is an over $200 value.

At the Enthusiast level, you’ll receive free museum access for you and one guest at some pretty big-name museums across Europe and the US, including the Guggenheim and Metropolitan Museums in New York City, the Museum of Contemporary Art in Chicago, and over 20 museums in Europe.

Lastly, when using your Capital One Venture X Rewards card while travelling outside the United States, you won’t have to pay any foreign transaction fees – a benefit that can certainly amount to some significant savings over the course of your travels.

Insurance Coverage

Being a premium travel credit card, the Capital One Venture X Rewards card comes with fairly strong insurance coverage.

Cell Phone Protection: You’ll be covered for damage or theft up to a maximum of $800 per claim when you pay your wireless bill with your Capital One Venture X Rewards card, with a $50 deductible applied for each approved claim.

Auto Rental Collision Damage Waiver: You can decline the collision damage waiver (CDW) when you rent a car, and you’ll be covered for damage to or theft of the rental vehicle in a covered territory.

Return Protection: If you make an eligible purchase in the US or its territories, and the seller won’t take the item back, you can return the purchase to Capital One for the full purchase price, excluding shipping and handling, with a limit of $300 per item, and a maximum of $1,000 per calendar year.

Purchase Protection: You’re covered for up to $10,000 per occurrence, or $50,000 per calendar year, if your new purchase gets stolen or accidentally damaged within 90 days of your purchase date.

Trip Cancellation and Interruption Insurance: Up to $2,000 per insured person per trip.

Trip Delay Insurance: Up to $500 per trip if your trip is delayed by six hours or more.

Extended Warranty: Up to one additional year on top of the original manufacturer’s warranty on eligible warranties of three years or less.

Travel Accident Insurance: When you use your Capital One Venture X Rewards card to purchase your fare, you’ll receive coverage for accidental death or dismemberment, at no extra cost, up to $1,000,000.

Lost Luggage Insurance: If your bag is lost, damaged, or stolen, you can receive up to $3,000 per trip.

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