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15 Capital One Venture X Rewards Credit Card Benefits You Need to Know About

Capital One Venture X benefits include a $300 annual travel credit, 10,000 anniversary miles, airport lounge access, and Hertz President’s Circle elite status.

By Ben Walker, CEPF, CFEI®

Edited by Melinda Sineriz, ABFP™

Updated Dec. 19, 2024

The Capital One Venture X Rewards Credit Card is a premium travel credit card from Capital One. It has a $395 annual fee, but major benefits such as a $300 annual travel credit and 10,000 anniversary miles (worth $100 toward travel) could help you easily offset the annual cost each year.

Other valuable Capital One Venture X benefits include airport lounge access, Hertz President’s Circle elite status¹ Upon enrollment, accessible through the Capital One website or mobile app, eligible cardholders will remain at that status level through the duration of the offer. Please note, enrolling through the normal Hertz Gold Plus Rewards enrollment process (e.g. at Hertz.com) will not automatically detect a cardholder as being eligible for the program and cardholders will not be automatically upgraded to the applicable status tier. Additional terms apply , travel insurance² For Capital One products listed on this page, some of the above benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply. , and much more. Check out the complete list of Capital One Venture X benefits to better understand the value this card offers.

In this article

15 valuable Capital One Venture X benefits
How does Capital One Venture X compare to other credit cards?
FAQs
Bottom line

15 valuable Capital One Venture X benefits

1. Early spend bonus

The Capital One Venture X offers 75,000 miles after spending $4,000 in the first 3 months. That's equal to $750 toward travel.

2. Annual travel credit

Receive a $300 annual travel credit that can be used for bookings through the Capital One Travel portal. Capital One Travel is Capital One’s online platform for booking flights, hotel stays, and rental cars.

3. Anniversary bonus

Receive 10,000 bonus miles after each cardmember anniversary. That’s equal to $100 toward travel. Combine this automatic bonus with the $300 annual travel credit benefit, and you’ve effectively offset the $395 annual fee each year.

4. Rewards rate

The Capital One Venture X offers 2 miles per dollar on every purchase, every day; 10 miles per dollar on hotels and rental cars booked through Capital One Travel, 5 miles per dollar on flights and vacation rentals booked through Capital One Travel, and 5 miles per dollar on Capital One Entertainment purchases through 12/31/25.

5. TSA PreCheck or Global Entry credit

Receive up to $120 in TSA PreCheck or Global Entry application fee credit once every four years.

The Capital One Venture X Global Entry benefit is better than the TSA PreCheck benefit for some people because Global Entry memberships include TSA PreCheck. Though, you might not need Global Entry if you don’t plan on traveling internationally.

6. Airport lounge access

The Capital One Venture X provides these airport lounge travel benefits:

Priority Pass: Receive unlimited access to the Priority Pass lounge network, including over 1,300 airport lounges.
Capital One Lounge: Receive access to the Capital One Lounge network. This network is still growing but currently includes lounges at Dallas/Fort Worth International Airport (DFW), Denver Airport (DIA), and Dulles International Airport (IAD) in the Washington, D.C., area.

7. Hertz President's Circle elite status

Capital One Venture X Hertz benefits include receiving President’s Circle elite status, which offers these perks:¹ Upon enrollment, accessible through the Capital One website or mobile app, eligible cardholders will remain at that status level through the duration of the offer. Please note, enrolling through the normal Hertz Gold Plus Rewards enrollment process (e.g. at Hertz.com) will not automatically detect a cardholder as being eligible for the program and cardholders will not be automatically upgraded to the applicable status tier. Additional terms apply

Free additional driver for a spouse or civil partner in participating locations
Guaranteed car upgrades
50% bonus points
Special discounts and offers
Widest selection of Ultimate Choice vehicles
Skip the counter

8. Redemption options

Capital One Venture X redemption options include:

Past travel purchases: Redeem miles toward past travel purchases such as flights, hotel stays, and more.
Capital One Travel: Use your miles to make travel bookings through Capital One Travel.
Transfer partners: Transfer miles to over a dozen loyalty programs of major airlines and hotels. This includes travel partners such as British Airways Executive Club, Emirates Skywards, and Virgin Red.
Cash back: Redeem miles for a check or statement credit.
Gift cards: Redeem miles for gift cards.

Redemption rates are typically one cent per mile (i.e., 10,000 Venture miles equals $100) for travel-related redemptions. Your redemption rate can vary with transfer partners, cash back, and gift cards.

9. Capital One Travel

Receive access to Capital One Travel, the online travel platform from Capital One. Capital One Travel allows eligible cardholders to book travel like flights, hotel stays, and rental cars with their applicable Capital One credit cards or rewards.

Capital One Travel offers benefits such as competitive pricing, free price drop protection, and price matching.

You also receive access to booking Premier Collection hotels through Capital One Travel. The Premier Collection is a luxury hotel program that's only available to Capital One Venture X cardholders. The benefits of booking a hotel through the Premier Collection include daily breakfast for two, a $100 experience credit, and complimentary Wi-Fi. You can also receive additional benefits depending on availability, including room upgrades, early check-in, and late checkout.

10. Capital One Entertainment

Receive access to the Capital One Entertainment booking platform. Capital One Entertainment is available to eligible Capital One cardmembers and offers these benefits:

Exclusive online booking access to events and experiences which could include concerts, sports events, dining events, and more
Exclusive access to pre-sale events
Option to use eligible cashback or travel rewards to book tickets

11. Capital One Dining

Reserve tables at top restaurants and exclusive dining events through Capital One Dining. This booking platform is only available to eligible Capital One cardholders.

12. Travel protections and services

Capital One Venture X travel insurance benefits and services include:² For Capital One products listed on this page, some of the above benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

Visa Infinite concierge: 24/7 access to a concierge service for help with any of your travel needs, including making dinner reservations or finding a gift for a loved one.
Auto rental collision damage waiver: Primary rental car insurance against damage or theft of an eligible rental vehicle.
Travel and emergency assistance services: Access to emergency services that can help coordinate help you need while traveling. This includes referring you to specific medical, legal, or translation services (that you cover at your own cost).
Trip cancellation and interruption insurance: Travel insurance for covered trip cancellations or interruptions.
Trip delay reimbursement: Reimburses a maximum of $500 per covered ticket if a trip is delayed more than six hours or requires an overnight stay.
Travel accident insurance: Up to $1 million in travel accident insurance for covered reasons.
Lost luggage reimbursement: Up to $3,000 for lost or stolen luggage.

13. Shopping protections and services

Capital One Venture X shopping protections and services include:

Cell phone protection: Up to $800 per claim (minus a $50 deductible) for damage or theft of covered phones.
Purchase protection: Up to $10,000 per claim and $50,000 per cardholder for damage or theft of eligible new purchases.
Extended warranty protection: Extend the manufacturer’s warranty by up to one additional year on eligible new purchases.
Return protection: Up to $300 per eligible return and $1,000 per year for eligible new purchases that retailers won’t accept as returns.

14. Free authorized users

Add up to four authorized users for free to your Capital One Venture X card account. These authorized users receive many of your major card benefits, including:

Airport lounge access
Hertz President’s Circle elite status
Purchase and travel protections

Authorized users don’t receive their own $300 travel credit, 10,000 anniversary Capital One miles, or up to $120 of TSA PreCheck or Global Entry credit.

15. No foreign transaction fees

Avoid all foreign transaction fees with your Capital One Venture X. This is especially handy if you frequently travel to other countries and make purchases with your credit card.

How does Capital One Venture X compare to other credit cards?

The Capital One Venture X isn’t the only premium travel credit card around. Use this table to see how the Venture X compares to the high-value, premium travel rewards cards from Chase and American Express.

	Capital One Venture X Rewards Credit Card	Chase Sapphire Reserve^®	The Platinum Card^® from American Express
Annual fee	$395	$550	$695 (Terms apply)
Welcome offer	Earn 75,000 miles when you spend $4,000 on purchases in the first 3 months from account opening	Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening	Earn 80,000 Membership Rewards points after spending $8,000 on eligible purchases on your new card in the first 6 months
Rewards rate	2 miles per dollar on every purchase, every day; 10 miles per dollar on hotels and rental cars booked through Capital One Travel, 5 miles per dollar on flights and vacation rentals booked through Capital One Travel, and 5 miles per dollar on Capital One Entertainment purchases through 12/31/25	5X points on flights and 10X points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually; 3X points on other travel and dining & 1X points per dollar on all other purchases	5X points per dollar spent on eligible airfare (on up to $500,000 per calendar year, after that 1X) and eligible hotel purchases, and 1X points per dollar on all other eligible purchases
Lounge access	Priority Pass (not including restaurants) Capital One Lounge	Priority Pass (including restaurants)	Priority Pass (not including restaurants) Centurion Lounge Escape Lounges Delta Sky Club Plaza Premium Air Space Select benefits require enrollment
Credits and bonuses	$300 annual travel credit through Capital One Travel 10,000 anniversary miles Complimentary 6 months of The Cultivist TSA PreCheck or Global Entry credit	$300 annual travel credit $5 monthly DoorDash credit $10 monthly GoPuff credit TSA PreCheck or Global Entry credit	Up to $200 annual hotel credit (requires a minimum two-night stay) Up to $240 annual digital entertainment credit Up to $155 Walmart+ credit Up to $200 annual Uber Cash (terms apply) Up to $200 annual airline fee credit Up to $300 annual Equinox credit Up to $100 annual Saks credit Up to $199 CLEAR Plus credit TSA PreCheck or Global Entry fee credit Select benefits require enrollment
Transfer partners	12+	12+	12+
Elite status	Hertz President’s Circle¹ <p class="">Upon enrollment, accessible through the Capital One website or mobile app, eligible cardholders will remain at that status level through the duration of the offer. Please note, enrolling through the normal Hertz Gold Plus Rewards enrollment process (e.g. at Hertz.com) will not automatically detect a cardholder as being eligible for the program and cardholders will not be automatically upgraded to the applicable status tier. Additional terms apply<br></p>	National Emerald Club Executive	National Emerald Club Executive Hertz Gold Avis Preferred Plus Marriott Bonvoy Gold Elite Hilton Honors Gold Select benefits require enrollment
Shopping protections	Purchase protection Extended warranty Return protection Cell phone protection	Purchase protection Extended warranty Return protection	Purchase protection³ <p class="">Purchase Protection is an embedded benefit of your Card Membership and requires no enrollment. It can help protect Covered Purchases made on your Eligible Card when they’re accidentally damaged, stolen, or lost, for up to 90 days from the Covered Purchase date. The coverage is limited up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. Coverage Limits Apply. <br></p><p></p><ul><li>Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. </li><li>Please visit americanexpress.com/benefitsguide for more details.</li><li>Underwritten by AMEX Assurance Company.</li></ul><p></p> Extended warranty⁴ <p>When an American Express® Card Member charges a Covered Purchase to an Eligible Card, Extended Warranty§ can provide up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year.</p><p></p><ul><li>Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. </li><li>Please visit americanexpress.com/benefitsguide for more details. </li><li>Underwritten by AMEX Assurance Company.</li></ul><p></p> Return protection⁵ <p>With Return Protection, you may return eligible purchases to American Express if the seller won't take them back up to 90 days from the date of purchase. American Express may refund the full purchase price excluding shipping and handling, up to $300 per item, up to a maximum of $1,000 per calendar year per Card account, if you purchased it entirely with your eligible American Express® Card. Purchases must be made in the U.S. or its territories.</p><p></p><ul><li>Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. </li><li>Please visit americanexpress.com/benefitsguide for more details.</li></ul><p></p> Cell phone protection⁶ <p>Coverage for a Stolen or damaged Eligible Cellular Wireless Telephone is subject to the terms, conditions, exclusions and limits of liability of this benefit. The maximum liability is $800, per claim, per Eligible Card Account. Each claim is subject to a $50 deductible. Coverage is limited to two (2) claims per Eligible Card Account per 12 month period.</p><p></p><ul><li>Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. </li><li>Please visit americanexpress.com/benefitsguide for more details. </li><li>Underwritten by New Hampshire Insurance Company, an AIG Company.</li></ul><p></p>
Travel insurance	Auto rental collision damage waiver (primary) Trip cancellation and interruption Trip delay reimbursement Lost luggage reimbursement Travel accident insurance	Auto rental collision damage waiver (primary) Trip cancellation and interruption Trip delay reimbursement Lost luggage reimbursement Travel accident insurance	Auto rental collision damage waiver (secondary)⁷ <p>Car Rental Loss and Damage Insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. </p><p></p><ul><li>Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. </li><li>Please visit americanexpress.com/benefitsguide for more details. </li><li>Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.</li></ul><p></p> Trip cancellation and interruption⁸ <p>The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period.</p><p></p><ul><li>Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. </li><li>Please visit americanexpress.com/benefitsguide for more details. </li><li>Underwritten by New Hampshire Insurance Company, an AIG Company.</li></ul><p></p> Trip delay reimbursement⁹ <p>Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period. </p><p></p><ul><li>Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. </li><li>Please visit americanexpress.com/benefitsguide for more details. </li><li>Underwritten by New Hampshire Insurance Company, an AIG Company.</li></ul><p></p> Lost luggage reimbursement¹⁰ <p>Baggage Insurance Plan coverage can be in effect for Covered Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier Vehicle (e.g. plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one-way or round-trip) is charged to an Eligible Card. Coverage can be provided for up to $2,000 for checked Baggage and up to a combined maximum of $3,000 for checked and carry-on Baggage, in excess of coverage provided by the Common Carrier. The coverage is also subject to a $3,000 aggregate limit per Covered Trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each Covered Person with a $10,000 aggregate maximum for all Covered Persons per Covered Trip.</p><p></p><ul><li>Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. </li><li>Please visit americanexpress.com/benefitsguide for more details. </li><li>Underwritten by AMEX Assurance Company.</li></ul><p></p>

All three of these cards offer valuable rewards and benefits for travelers. But the Venture X has the lowest annual fee at $395, and its benefits stay competitive.

In fact, the Venture X offers cell phone protection, which isn’t offered by the Chase Sapphire Reserve card, and primary rental car insurance, which isn’t offered by the Amex Platinum. Of course, the Sapphire Reserve and Amex Platinum beat the Venture X with other benefits, but the Capital One Venture X is definitely competitive with these well-established premium travel cards.

If access to premium luxury travel benefits appeals to you, check out our list of the best travel credit cards.

FAQs

How hard is it to get the Capital One Venture X card?

It’s fairly hard to get the Capital One Venture X card since it typically requires an excellent credit score. That would be at least an 800 credit score according to the FICO scoring model. Though your credit score is only one factor that credit card issuers take into account, and having a certain credit score doesn’t guarantee approval.

Does Capital One Venture X have purchase protection?

Yes, the Capital One Venture X has purchase protection as part of its Visa Infinite benefits. Its purchase protection perk provides coverage of up to $10,000 per claim and up to $50,000 per account against damage or theft of eligible purchases.

Who is Venture X for?

The Capital One Venture X is for people who want a premium travel credit card that offers elevated benefits such as:

Airport lounge access with Priority Pass and Capital One Lounge
$300 annual travel credit through Capital One Travel
10,000 account anniversary miles
Complimentary Hertz President’s Circle status
TSA PreCheck or Global Entry application credit

Bottom line

The Capital One Venture X is an amazing credit card for travelers. You can immediately offset the $395 annual fee with benefits such as the $300 annual travel credit and 10,000 anniversary miles. Add on other benefits — including airport lounge access, free authorized users, and cell phone protection — and you could get some serious value from the Venture X.

The Capital One Venture X is also a decent option for earning rewards on your everyday purchases because of its 2 miles per dollar earning rate. But it could make sense to supplement your earning with other rewards credit cards that offer higher rewards rates. Use our dedicated page to compare credit cards and find the right credit card offer for you.

Benefits

Card Details

$0 annual fee
Simple, flat-rate rewards
Flexible redemption options
Up to 75% preferred Rewards bonus potential
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Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.
25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions.
Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.49% - 28.49% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases.
Contactless Cards - The security of a chip card, with the convenience of a tap.
This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

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Intro Offer

Earn 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases

Annual Fee

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