Best Rewards Credit Cards

Capital One Venture X Rewards Credit Card Review: Luxurious Travel Benefits with High Earning Potential

Venture X Card: $300 travel credit, 10X miles on hotels/rentals, lounge access.

Rickie C. Keys, Ph.D., MPH

19 Apr 2024 — 1 min read

Features

Reward Rates: Earn 10X miles on hotels and rental cars, 5X miles on flights booked through Capital One Travel, and 2X miles on all other purchases.
Annual Fee: $395, justified by premium travel benefits.
Welcome Bonus: Earn 75,000 bonus miles after spending $4,000 within the first 3 months, equivalent to $750 in travel.

Benefits

Annual Travel Credit: Receive a $300 credit each year for bookings made through Capital One Travel.
Anniversary Bonus: Get 10,000 bonus miles annually, starting from your first anniversary.
Lounge Access: Unlimited access for you and two guests to over 1,300 lounges worldwide, including Capital One and partner lounges.
Global Entry/TSA PreCheck Credit: Up to $100 credit for Global Entry or TSA PreCheck fees.
Transferable Miles: Flexibility to transfer miles to over 15 travel loyalty programs.

Drawbacks

High Annual Fee: At $395, it’s a significant investment unless fully utilizing all the card's benefits.
High APR: Variable APR ranging from 19.99% to 29.99% could be costly if carrying a balance.

Product Summary

The Capital One Venture X Rewards Credit Card is designed for avid travelers seeking premium perks. The card offers substantial rewards on travel-related purchases and a robust set of benefits that enhance travel experiences, such as lounge access and annual travel credits. The welcome bonus and the ability to earn high rates on travel expenditures make it particularly appealing. However, the high annual fee and APR mean that it's best suited for those who travel frequently and can take full advantage of the card's offerings to offset the cost.

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