Capital One Venture X

The Capital One Venture X Rewards Credit Card is my MVP card that I plan to keep open forever. Let me explain the benefits below.

Feature	Details
Annual Fee	$395
Welcome Bonus	75,000 miles (after $4,000 spend in 3 months)
Rewards	10X hotels/rental cars, 5X flights (via Capital One Travel), 2X on everything else
Key Perks	$300 annual travel credit, airport lounge access, 10,000 bonus miles yearly
Best For	Frequent travelers, digital nomads, families, and anyone maximizing travel rewards

Capital One Venture X Travel Perks: What You Get

1. $300 Annual Travel Credit

• Earn up to $300 in statement credits when you book flights, hotels, or rental cars through the Capital One Travel Portal.

2. 10,000 Bonus Miles Every Year

• Starting on your first anniversary, you’ll receive 10,000 miles annually (worth at least $100 toward travel).

3. Airport Lounge Access

• Get unlimited access to:

  • Capital One Lounges (currently in Dallas, Dulles,Denver, and soon in Vegas, JFK, SEA)

  • Priority Pass™ lounges (1,300+ locations worldwide)

• You and two guests can access lounges for free — a huge value for families and frequent flyers.

4. Global Entry / TSA PreCheck Credit

• Receive up to $120 in statement credit every four years for Global Entry or TSA PreCheck.

Capital One Venture X Rewards Structure

Capital One Venture X keeps rewards simple and rewarding:

• 10X miles on hotels and rental cars (via Capital One Travel)

• 5X miles on flights (via Capital One Travel)

• 2X miles on all other purchases

How to Redeem Capital One Miles

You can redeem miles in several flexible ways:

• Use miles to cover travel expenses (flights, hotels, car rentals, Airbnb etc.)

• Book directly through Capital One Travel

• Transfer miles to 15+ airline and hotel partners, including:

  • Air Canada Aeroplan

  • Virgin

  • Flying Blue

  • Wyndham

  • Emirates Skywards

Authorized Users

• Add authorized users for free-this is what I would do for families if you can't get enough people in on your card. Don't add your spouse because ideally they open their own card one day. Instead add a child so they can be an AU and get more family members into the lounge.

• They’ll receive their own lounge access, rental car insurance, and travel protections

Most other premium cards charge extra for this. Venture X keeps it simple and generous.

Travel and Purchase Protection Benefits

The Capital One Venture X card includes a full suite of travel insurance and purchase protection benefits:

• Trip cancellation & interruption insurance

• Trip delay reimbursement

• Lost luggage coverage

• Primary rental car insurance

• Cell phone protection (when your bill is paid with the card)

Learn how to apply

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