Who it's for
Premium travelAirport loungesTravel credits & perksLounge access
Capital One Venture X
Fee unchanged at $395 since 2021 — best value premium card. $300 portal credit + 10k anniversary miles effectively cuts the fee to under $100. Feb 2026 lounge changes reduced guest benefit significantly. No dining or restaurant bonus category.
$1,817/yrest. value at typical spending
$395annual fee
$300yearly credits
$95fee after credits
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| Category | Rate | Typical spend |
|---|---|---|
| Dining | 2x | $400/mo |
| Groceries | 2x | $600/mo |
| Flights & hotels | 5.2x | $300/mo |
| Rent | 2x | $2,500/mo |
| Gas & transit | 2x | $150/mo |
| Streaming | 2x | $80/mo |
| Online shopping | 2x | $200/mo |
| Everything else | 2x | $600/mo |
Rates are what our model counts per dollar. Brand-specific bonuses (like a hotel card at its own hotels) are blended, since most people don't put all category spending with one brand. Typical spending here means our quiz defaults: $4,830 a month, including $2,500 rent or mortgage. Points are valued at 1.5¢ each (travel portal redemption); transferring to airline or hotel partners can be worth more.
Rewards and perks
Points, 13 transfer partners · Airport lounge access
- 10x on hotels and rental cars booked via Capital One Travel
- 5x on flights booked via Capital One Travel
- 2x miles on every other purchase (no caps)
- $300 annual Capital One Travel credit (auto-applied to portal bookings)
- 10,000 bonus miles each cardmember anniversary (worth ~$100 toward travel)
- Unlimited Priority Pass and Capital One Lounge access for primary cardholder
- Feb 2026: guests no longer free — $45/visit at Cap One Lounges, $35/visit at Priority Pass (waived with $75k annual spend)
- Global Entry/TSA PreCheck credit ($120 every 4 yrs)
- $100 Premier Collection experience credit per hotel stay (when booked via Capital One Travel)
- No foreign transaction fees
Transfer partners
Turkish Miles&SmilesSingapore KrisFlyerAir Canada AeroplanAir France-KLM Flying BlueAvianca LifeMilesTAP Air PortugalCathay Pacific AsiaMilesEmirates SkywardsEtihad GuestEVA AirFinnair PlusQantas Frequent FlyerBritish Airways Avios
Head-to-head
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