Capital One
Venture X
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Card review
Venture X
Capital One
Last updated September 21, 2026· Rates, fees, and credits from WalletFlo's OneCard catalog (refreshed hourly). Verify current terms on the issuer site.
Annual fee
$395
Welcome bonus
75,000 pts welcome offer
Est. net value
Run calculator
Credit score
Good
Top earn rate
10% travel
Overview
How this card fits in your wallet — fees, value, and who it's built for.
The Venture X from Capital One carries a $395 annual fee. Use the calculators below to model rewards, credits, and net value on your own spending.
How the points work
10x hotels/cars via Capital One Travel, 5x flights, 2x else
Earning rates
Category bonuses from our catalog — verify current offers on the issuer site.
| Category | Rate |
|---|---|
| TravelHotels | 10% |
| TravelFlights | 5% |
| DiningDining | 2% |
| TravelTravel | 2% |
| GroceriesGroceries | 2% |
| GasGas & Transit | 2% |
| EntertainmentStreaming | 2% |
| Everything elseShopping | 2% |
| Everything elseOther | 2% |
Welcome offer
75,000 points
- Spend $4,000 in 90 days
- Est. value: $750 (WalletFlo catalog)
Credits & benefits
Statement credits and perks we model in net-value calculations.
Credits
- Annual Travel Credit$300/yr
$300 toward bookings via Capital One Travel
Benefits & perks
- Lounge Access$469/yr
Access to Capital One Lounges and Priority Pass lounge network worldwide.
Included, not priced
- Anniversary Bonus Miles
10,000 bonus miles credited each year on your card anniversary.
Insurance cover and point awards. The issuer publishes a figure for each, but those are claim limits and points balances, not dollars a year, so we leave them out of the totals above.
Transfer partners
Where this card's points can go, and at what ratio. 4 partners.
- Air Canada Aeroplan1:1
- Turkish Miles&Smiles1:1
- Wyndham Rewards1:1
- Singapore KrisFlyer1:1
Work out what a transfer is worth in the transfer calculator.
Is the annual fee worth it?
Quick breakeven from stated credits and perks — open the full tool to dig deeper.
Annual fee analysis
We couldn't load the OneCard breakeven engine right now. Open the full tool to model credits and perks against $395/yr.
WalletFlo calculator tools
Micro-tools for this card — each opens a dedicated calculator with your context pre-filled where possible.
Reward Calculator
Estimate annual rewards and net value on your spend.
Side by Side Compare
Compare against another card with the same spend profile.
Is the Annual Fee Worth it?
See if credits and perks offset the annual fee.
Points & Miles → $ Converter
Convert points and miles to estimated cash value.
Awards vs Cash Calculator
Compare redeeming points for travel vs cash back.
Transfer Partner Calculator
Explore transfer partner conversions across programs.
Reward calculator
Model this card on your spend — adjust categories and compare with others.
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Frequently asked questions
- What credit score do I need?
- We flag 720+ as a typical starting point — issuer approval depends on your full profile.
- Is the annual fee worth it?
- See the annual fee analysis above, or open the full calculator to model credits and perks against $395 per year.