Capital One Venture X Rewards Credit Card Benefits Guide [2026]

If you can talk yourself into paying the premium annual fee, the Capital One Venture X Rewards Credit Card can be a great card to carry. The good news is, you shouldn't need too much convincing. With an impressive list of perks, the Venture X offers more than enough value to outweigh its price tag.

In fact, taking advantage of just two of its cardholder benefits — a $300 annual travel credit and 10,000 anniversary miles (worth $100 toward travel) — could help you easily offset the annual cost each year.

But if that's not convincing enough, the card also comes with the Holy Grail of premium travel card perks: airport lounge access. That's not to mention the Hertz President's Circle elite status¹ <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> , travel insurance² <p class="">For Capital One products listed on this page, some of the 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.<br></p> , and much, much more.

15 valuable Capital One Venture X benefits

1. Early spend bonus

With the Capital One Venture X, you can earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening. That's equal to $750 toward travel.

If you can responsibly hit that spend, you could get nearly double the card's annual fee in value from the welcome offer alone.

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. Airport lounge access

The Capital One Venture X provides access to two airport lounge networks, giving you plenty of options whether you're flying domestically or abroad.

Capital One Lounges and Landings

Receive unlimited access to Capital One Lounge and Landing locations. There are five Capital One Lounges open as of this writing: at Dallas-Fort Worth (DFW), Denver (DEN), Las Vegas (LAS), New York City (JFK), and Washington, D.C. (IAD). There are also two Capital One Landing locations, in Washington, D.C. (DCA) and Laguardia Airport (LGA) in New York, that cardholders can access as well.

The lounges are stocked with amenities including grab-and-go food, dining stations, bars, high-speed Wi-Fi, work areas, relaxation rooms, shower suites, and even Peloton cycling and yoga rooms.

The Landing locations are a bit smaller and focused on dining over lounge amenities, featuring a menu of tapas and drinks curated by the José Andrés Group.

Priority Pass

Venture X cardholders also receive unlimited access to over 1,300 participating Priority Pass lounges worldwide after enrollment Note that this benefit does not include dining credit at Priority Pass restaurants.

Venture X lounge guest policy

Cardholders can bring up to two complimentary guests per visit to Capital One Lounges (or one to Capital One Landings) after spending at least $75,000 in a calendar year. Priority Pass guest visits are available for a $35 fee per guest, per visit. Additional cardholders can also pay a $125 annual lounge access fee to receive the same lounge benefits as the primary cardholder.

5. 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.

6. 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.

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 <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>

• 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

The Capital One Venture X offers a robust suite of travel insurance benefits and services that could protect you on your next trip.² <p class="">For Capital One products listed on this page, some of the 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.<br></p>

• 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 — coverage goes up to $75,000 and applies for rentals up to 15 consecutive days within your country of residence or up to 31 days abroad. To qualify, you must pay for the entire rental with your card and decline the rental company's collision damage waiver. Note that this benefit is not available in Israel, Jamaica, the Republic of Ireland, or Northern Ireland.
• Trip cancellation and interruption insurance: Covers up to $2,000 per insured person for nonrefundable common carrier tickets if a trip is canceled or interrupted due to a covered reason, such as illness, injury, or a carrier's financial insolvency. The full trip cost must be charged to your card.
• Trip delay reimbursement: Reimburses up to $500 per covered ticket for reasonable expenses — such as meals, lodging, and clothing — if your trip is delayed more than six hours or requires an overnight stay.
• Travel accident insurance: Up to $1,000,000 in travel accident coverage for accidental loss of life, limb, sight, speech, or hearing while traveling as a passenger on a licensed common carrier, provided you paid your fare with your card.
• Lost luggage reimbursement: Up to $3,000 per person for checked or carry-on luggage lost due to theft or misdirection by an airline, as long as you paid for your fare with your card.
• Travel and emergency assistance services: 24/7 access to assistance that can help coordinate the resources you need while traveling — including medical, legal, translation, and emergency transportation referrals. Keep in mind that this is a referral service; any costs you incur from using local resources are your responsibility.

13. Shopping protections and services

Capital One Venture X also covers your everyday purchases with a strong set of shopping protections.

• Cell phone protection: Up to $800 per claim (with a maximum of two claims and $1,600 per 12-month period) for damage, theft, or loss of a covered phone on your monthly bill paid with your card. A $50 deductible applies.
• Purchase protection: Up to $10,000 per claim and $50,000 per cardholder for damage or theft of eligible new purchases within 90 days of purchase.
• Extended warranty protection: Extends an eligible manufacturer's warranty of three years or less by one additional year on purchases made with your card.
• Return protection: Up to $300 per eligible item and $1,000 per year when a retailer won't accept a return within 90 days of purchase.

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:

• 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.

FAQs

Bottom line

The Capital One Venture X is an amazing credit card for travelers. Offsetting the $395 annual fee in the first year is a breeze if you can earn the welcome offer (and there's not really any point in applying if you can't).

Then, every year after that, you can justify the fee by cashing in on just two of the card's many benefits: the $300 annual travel credit and 10,000 anniversary miles. After that, it's all icing on the cake.

To decide for certain whether or not the card's right for you, check out our Capital One Venture X review.

Easy-to-Earn Unlimited Rewards

Bank of America^® Travel Rewards credit card

Benefits Card Details

• $0 annual fee
• Simple, flat-rate rewards
• Flexible redemption options
• Up to 75% Bank of America Preferred Rewards® bonus potential
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• 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.
• Earn unlimited 1.5 points per $1 spent on everyday purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.
• Earn 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center.
• 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 17.49% - 27.49% 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 5%. Balance transfers may not be used to pay any account provided by Bank of America.
• This offer may not be available elsewhere if you leave this page. 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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Why we like it

• Enjoy 0% intro APR for 15 billing cycles for purchases and 0% intro APR for 15 billing cycles for any balance transfers made in the first 60 days (then 17.49% - 27.49% Variable APR)

• 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

• No annual fee, plus earn 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center and 1.5 points per $1 spent on everyday purchases

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