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Capital One Venture X Rewards Credit Card review: A strong alternative for luxury travel

 /  12 min
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Snapshot

5.0

Bankrate rating
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Rating: 5 stars out of 5

Bottom line

If you’re a frequent traveler, this card is a cost-effective choice. The annual bonuses help offset its cost, and Capital One offers flexible travel redemptions and solid reward rates for everyday spending.

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2025 Bankrate Awards Winner

Best for affordable travel perks

Recommended credit score:(740 - 850)
Apply nowLock

on Capital One's secure site

See Rates & Fees

Intro offer

Earn 75,000 miles

Rewards rate

2 Miles - 10 Miles

Annual fee

$395

Regular APR

19.99% - 29.24% (Variable)

4.5

Cardholder rating

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4.5 / 5

Extra perks

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4.2 / 5

Online tools

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4.5 / 5

Customer service

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4.6 / 5

Intro APR length

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4.3 / 5

5.0

Bankrate score

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5.0 / 5

Rewards value

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5.0 / 5

APR

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4.0 / 5

Rewards flexibility

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4.0 / 5

Features

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5.0 / 5
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Compare

Capital One Venture X Rewards Credit Card Overview

  • Credit Card Cash Back Icon

    Rewards

  • Rewards Icon

    Welcome offer

  • Credit Card Search Icon

    Rates and fees

  • Congrats Icon

    Other cardholder perks

Capital One Venture X pros and cons

Pros

  • Checkmark Icon

    This card improves the Capital One Venture Rewards Credit Card with 5X or 10X miles on select Capital One Travel, while earning an excellent flat rate on all other purchases.

  • Checkmark Icon

    The annual travel credit and bonus miles are enough to offset the annual fee.

  • Checkmark Icon

    The option to redeem miles to cover travel purchases gives flexibility and time to accumulate additional points to cover those purchases.

Cons

  • The annual fee may prove difficult to offset if you don’t use the travel credits.

  • Capital One's transfer partners aren’t as extensive as other premium card issuers.

  • There are limited ways to earn bonus miles, reducing the card’s value when compared to similar cards.

Why you might want the Capital One Venture X

Why you might want a different travel card

We tried it: Here’s what our experts say

First-year vs. ongoing value

How the Capital One Venture X compares to other travel cards

Image of Capital One Venture X Rewards Credit Card

Annual fee

$395

Intro offer

Earn 75,000 miles
Info Icon

Rewards rate

2 Miles - 10 Miles
Info Icon

Recommended Credit Score

Excellent (740 – 850)
Info Icon
Image of Capital One Venture Rewards Credit Card

Annual fee

$95

Intro offer

Earn 75,000 miles
Info Icon

Rewards rate

2 Miles - 5 Miles
Info Icon

Recommended Credit Score

Good to Excellent (670 – 850)
Info Icon
Image of The Platinum Card® from American Express
Bankrate Score
See Rates & Fees , Terms Apply
Apply now Lock Icon
on American Express's secure site

Annual fee

$695

Intro offer

Earn 80,000 points
Info Icon

Rewards rate

5X - 5X
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Recommended Credit Score

Good to Excellent (670 – 850)
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Best cards to pair with the Capital One Venture X

Who is the Venture X right for?

Bankrate’s Take — Is the Capital One Venture X worth it?

How we rated this card

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150+
cards rated
Congrats Icon
50+
rewards programs valued
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1800
data points analyzed
Credit Card Reviews Icon
40+
perks evaluated

Frequently asked questions

What cardholders think

Image of Capital One Venture X Rewards Credit Card

Capital One Venture X Rewards Credit Card

4.5 Star Icon
42 ratings
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Score breakdown
5 stars
55%
4 stars
38%
3 stars
7%
2 stars
0%
1 star
0%
Score by category
Overall 4.5 / 5
Extra perks 4.2 / 5
Customer service 4.5 / 5
Online portal or mobile app 4.3 / 5
Intro APR length 4.2 / 5
Intro APR value 4.2 / 5

In May 2024, Bankrate collaborated with third-party SliceMR to survey 6160 cardholders nationwide. Bankrate and Slice MR collected, averaged and presented website analytics and cardholder responses to six questions on a 5-point scale. Responses are based on individual cardholder’s product details, and therefore cannot be verified for accuracy. Users received an incentive for their feedback. User ratings are unedited and have not been reviewed or approved by credit card issuers, nor do these ratings reflect Bankrate’s own reviews of these cards.

Community Reviews

Explore Capital One Venture X Rewards Credit Card reviews from certified cardholders.
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Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
Ideal for earning travel points and free upgrades!
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Intro APR length 5 / 5
Intro APR value 5 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
It's part of my everyday life cause is is it to do most of my transactions
Score by category
Extra perks 5 / 5
Online portal or mobile app 4 / 5
Customer service 4 / 5
Intro APR length 4 / 5
Intro APR value 4 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
I would recommend this card to a friend because it has great rewards. It has bonuses where if you spend so much you get 10000 points. It has an anniversary bonus. As well as everyday spending rewards.
Score by category
Extra perks 4 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Intro APR length 5 / 5
Intro APR value 5 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
The rewards are great. The website is easy to use and customer service is really good.
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Intro APR length 5 / 5
Intro APR value 5 / 5
Anonymous Cardholder
May 31, 2024
Do you have any experience transferring points or miles with this card? If so, where did you transfer to and how would you describe this experience?
yes I transferred miles to my airline of choice
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Intro APR length 5 / 5
Intro APR value 5 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
Like my card. Not a great interest rate.
Score by category
Extra perks 4 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Intro APR length 4 / 5
Intro APR value 4 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
I use this card for travel and the rewards are great.
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Intro APR length 5 / 5
Intro APR value 5 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
SEEM TO USE THIS CARD FOR ONLINE SHOPPING AND IN STORE
Score by category
Extra perks 4 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Intro APR length 4 / 5
Intro APR value 4 / 5
Anonymous Cardholder
May 31, 2024
If you have redeemed points/miles for anything, tell us about that redemption? What did you get to do and how many points/miles did you redeem for it?
plane tickets
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Intro APR length 5 / 5
Intro APR value 5 / 5
Anonymous Cardholder
May 31, 2024
If you have redeemed points/miles for anything, tell us about that redemption? What did you get to do and how many points/miles did you redeem for it?
I was able to redeem my points/miles as cash to my account. I had saved 6 months and redeemed 120.00
Score by category
Extra perks 4 / 5
Online portal or mobile app 4 / 5
Customer service 5 / 5
Intro APR length 4 / 5
Intro APR value 5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
I’ve been with capital one for a long time, and I’ve experienced nothing but superb service from this company. The overall use of the card has been really impressive and I don’t have anything bad to say.
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Intro APR length 5 / 5
Intro APR value 5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
I would recommend because of the quality
Score by category
Extra perks 4 / 5
Online portal or mobile app 5 / 5
Customer service 4 / 5
Intro APR length 5 / 5
Intro APR value 3 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
I would highly recommend the Capital One Venture X Rewards Credit Card to a friend due to its exceptional travel benefits and flexible rewards program. With this card, you can earn unlimited miles on every purchase, which can be redeemed for travel expenses such as flights, hotels, and rental cars. The card also offers premium perks like airport lounge access, travel insurance, and no foreign transaction fees, making it ideal for frequent travelers. Moreover, the Capital One Venture X card stands out for its innovative features, such as personalized rewards recommendations based on spending habits and exclusive access to VIP events. Additionally, the card's sleek metal design and contactless payment capabilities provide a seamless and stylish experience. Overall, I believe this card offers tremendous value and convenience, making it a top choice for anyone seeking a rewarding travel credit card.
Score by category
Extra perks 3 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Intro APR length 4 / 5
Intro APR value 3 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
They easy to work with
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Intro APR length 5 / 5
Intro APR value 4 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
Yes, It handles many personal and professional purchases that give me great rewards
Score by category
Extra perks 4 / 5
Online portal or mobile app 4 / 5
Customer service 5 / 5
Intro APR length 5 / 5
Intro APR value 5 / 5
Anonymous Cardholder
May 31, 2024
If you have redeemed points/miles for anything, tell us about that redemption? What did you get to do and how many points/miles did you redeem for it?
Yes, I have redeem points and it’s easy which I like.
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Intro APR length 5 / 5
Intro APR value 5 / 5
Anonymous Cardholder
May 31, 2024
Do you have any experience transferring points or miles with this card? If so, where did you transfer to and how would you describe this experience?
I have only received the card within the past month, so I have not yet had the opportunity to accumulate points and transfer them.
Score by category
Extra perks 5 / 5
Online portal or mobile app 4 / 5
Customer service 4 / 5
Intro APR value 4 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
I'd recommend it because it has great features
Score by category
Extra perks 4 / 5
Online portal or mobile app 5 / 5
Customer service 4 / 5
Intro APR length 4 / 5
Intro APR value 3 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
Yes, I pay bills with this card
Score by category
Extra perks 3 / 5
Intro APR length 4 / 5
Intro APR value 4 / 5
Anonymous Cardholder
May 31, 2024
Do you have any experience transferring points or miles with this card? If so, where did you transfer to and how would you describe this experience?
I have redeemed it for gift cards and it was very simple and smooth
Score by category
Extra perks 3 / 5
Online portal or mobile app 5 / 5
Customer service 3 / 5
Intro APR length 5 / 5
Intro APR value 4 / 5
Anonymous Cardholder
May 31, 2024
If you have redeemed points/miles for anything, tell us about that redemption? What did you get to do and how many points/miles did you redeem for it?
I saved enough points in order to book 2 nights in a nice hotel for free. Don't remember how many points it was
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Intro APR length 5 / 5
Intro APR value 5 / 5
Anonymous Cardholder
May 31, 2024
If you have redeemed points/miles for anything, tell us about that redemption? What did you get to do and how many points/miles did you redeem for it?
I received points back as cash directly to my bank
Score by category
Extra perks 4 / 5
Online portal or mobile app 3 / 5
Customer service 5 / 5
Intro APR length 5 / 5
Intro APR value 4 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
I would recommend this card to others because it benefits are awesome. So far I haven't had any issues with them. The rewards are great.
Score by category
Extra perks 5 / 5
Online portal or mobile app 4 / 5
Customer service 5 / 5
Intro APR length 5 / 5
Intro APR value 5 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
Yes, I use it to add travel miles for our next vacation
Score by category
Extra perks 4 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Intro APR length 5 / 5
Intro APR value 5 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
Newer card, so not a lot of usage yet
Score by category
Extra perks 4 / 5
Customer service 3 / 5
Intro APR length 3 / 5
Intro APR value 4 / 5
Anonymous Cardholder
May 31, 2024
Do you have any experience transferring points or miles with this card? If so, where did you transfer to and how would you describe this experience?
I transfer my miles to its partner airlines or travel companies, which is very convenient and fast
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 4 / 5
Intro APR length 3 / 5
Intro APR value 4 / 5
Anonymous Cardholder
May 31, 2024
Do you have any experience transferring points or miles with this card? If so, where did you transfer to and how would you describe this experience?
Add a number of additional cardholders at no cost
Score by category
Extra perks 4 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Intro APR length 5 / 5
Intro APR value 4 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
Yeah its very useful
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Intro APR length 3 / 5
Intro APR value 4 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
Yes I use it as much as possible
Score by category
Extra perks 4 / 5
Online portal or mobile app 4 / 5
Customer service 4 / 5
Intro APR length 4 / 5
Intro APR value 4 / 5
Anonymous Cardholder
May 31, 2024
Do you have any experience transferring points or miles with this card? If so, where did you transfer to and how would you describe this experience?
transfer to other capital one cards to upgrades in hotel room
Score by category
Extra perks 4 / 5
Online portal or mobile app 4 / 5
Customer service 4 / 5
Intro APR length 4 / 5
Intro APR value 5 / 5
Anonymous Cardholder
May 31, 2024
If you have redeemed points/miles for anything, tell us about that redemption? What did you get to do and how many points/miles did you redeem for it?
New to this bank . I haven’t redeemed any perks.
Score by category
Extra perks 4 / 5
Online portal or mobile app 5 / 5
Customer service 4 / 5
Intro APR length 3 / 5
Intro APR value 3 / 5
Anonymous Cardholder
May 31, 2024
If you have redeemed points/miles for anything, tell us about that redemption? What did you get to do and how many points/miles did you redeem for it?
I earned points back and put towards another purchase
Score by category
Extra perks 4 / 5
Online portal or mobile app 4 / 5
Customer service 5 / 5
Intro APR length 5 / 5
Intro APR value 4 / 5
Anonymous Cardholder
May 31, 2024
If you have redeemed points/miles for anything, tell us about that redemption? What did you get to do and how many points/miles did you redeem for it?
I got a visa card and also two cards for resturants I don't remember h
Score by category
Extra perks 3 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Intro APR length 5 / 5
Intro APR value 5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
Would recommend. have not had any issues with it and the app is super convenient.easy to use. they always confirm big purchases so dont have to worry about theft
Score by category
Extra perks 4 / 5
Online portal or mobile app 4 / 5
Customer service 4 / 5
Intro APR length 4 / 5
Intro APR value 5 / 5
Anonymous Cardholder
May 31, 2024
If you have redeemed points/miles for anything, tell us about that redemption? What did you get to do and how many points/miles did you redeem for it?
It's easy to redeem points
Score by category
Extra perks 5 / 5
Online portal or mobile app 3 / 5
Customer service 5 / 5
Intro APR length 4 / 5
Intro APR value 4 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
I absolutely love the rewards on this and think that they’re quite generous. It’s the best program out there
Score by category
Extra perks 4 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Intro APR length 3 / 5
Intro APR value 3 / 5
Anonymous Cardholder
May 31, 2024
If you have redeemed points/miles for anything, tell us about that redemption? What did you get to do and how many points/miles did you redeem for it?
The reward benefits are marvelous.
Score by category
Extra perks 5 / 5
Online portal or mobile app 4 / 5
Customer service 5 / 5
Intro APR length 5 / 5
Intro APR value 5 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
It gets the most points for everyday purchases
Score by category
Extra perks 4 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Intro APR length 4 / 5
Intro APR value 5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
Yes because it does have good benefits and rewards
Score by category
Extra perks 4 / 5
Online portal or mobile app 4 / 5
Customer service 4 / 5
Intro APR length 4 / 5
Intro APR value 4 / 5
Anonymous Cardholder
May 31, 2024
If this card had an annual fee, do you feel it was worth it? What card features and benefits helped you offset the cost?
I choose cards with no fee. I do not feel that any fee is worth paying extra for.
Score by category
Extra perks 2 / 5
Online portal or mobile app 4 / 5
Customer service 4 / 5
Intro APR length 2 / 5
Intro APR value 2 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
The card is a fairly new card. I wouldn't recommend it right now because I feel like the card has room for improvement.
Score by category
Extra perks 4 / 5
Online portal or mobile app 4 / 5
Customer service 4 / 5
Intro APR length 5 / 5
Intro APR value 3 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
Because I have to watch my statements very closely because they attempt to add in charges that are not a part of the agreement.
Score by category
Extra perks 3 / 5
Online portal or mobile app 2 / 5
Customer service 5 / 5
Intro APR length 3 / 5
Intro APR value 2 / 5
Written by
Garrett Yarbrough
Writer, Credit cards
Bankrate expert Garrett Yarbrough strives to make navigating credit cards and credit building smooth sailing for his readers. After regularly featuring his credit card, credit monitoring and identity theft analysis on NextAdvisor.com, he joined the CreditCards.com and Bankrate teams as a staff writer to develop product reviews and comprehensive credit card guides focused on cash back, credit scores and card offers.
Edited by Senior Editor, Credit Cards
Reviewed by Former Senior Editor, Credit Cards

* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.

Editorial Disclosure: Opinions expressed here are the author's alone, and have not been reviewed or approved by any advertiser. The information, including card rates and fees, is accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information.