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Capital One Venture X Rewards Credit Card Review: Traveling on Rewards

Venture X: High earn rates on travel, valuable perks for frequent flyers.

Rickie C. Keys, Ph.D., MPH

Apr 19, 2024 — 1 min read

Features

Annual Fee: $395
APR: Variable 19.99% to 29.99%
Rewards:
- Earn 10X miles on hotels and rental cars booked through Capital One Travel.
- 5X miles on flights booked through Capital One Travel.
- 2X miles on all other purchases.
Welcome Bonus: 75,000 miles after spending $4,000 within the first 3 months.

Benefits

Travel Credits:
- $300 annual travel credit for bookings through Capital One Travel.
- 10,000 bonus miles each year on your anniversary.
Travel Perks:
- Unlimited access to 1,300+ lounges through Priority Pass and Capital One Lounges.
- Up to $100 credit for Global Entry or TSA PreCheck®.
No Foreign Transaction Fees: Ideal for international travels.

Drawbacks

High Annual Fee: $395, which might be offset by the card’s benefits for frequent travelers.
Complex Rewards Structure: Multiple categories and rules for earning and redeeming miles.
High APR: Rates as high as 29.99% could be costly if balances are carried month to month.

Product Summary

The Capital One Venture X Rewards Credit Card offers substantial value to frequent travelers through a high rate of miles accrual and luxurious travel benefits, including extensive lounge access and annual travel credits. The hefty annual fee is easily justified for those who travel often and utilize the card’s full potential. The card’s bonus categories are tailored to optimize spending on travel, making it an excellent choice for anyone looking to earn significant rewards through their travel expenditures.

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