The Credit Ledger Card review
Capital One Venture X Rewards Credit Card review
Capital One · Visa
Best premium travel card for a mid-tier annual fee
| Annual fee | $395 |
|---|---|
| Welcome bonus | 75,000 miles after $4,000 spend in 3 months |
| Rewards rate | Up to 10x miles |
| Intro APR (purchases) | None |
| Intro APR (balance transfers) | None |
| Regular APR | 19.49% to 28.49% variable |
| Foreign transaction fee | None |
| Recommended credit | Excellent (740-850) |
Rewards
- 10x miles Hotels and rental cars booked via Capital One Travel
- 5x miles Flights and vacation rentals booked via Capital One Travel
- 2x miles All other purchases
Key perks
- $300 annual travel credit via Capital One Travel
- 10,000 bonus miles each account anniversary
- Capital One Lounge and Priority Pass access for the cardholder
- Up to $120 credit for Global Entry or TSA PreCheck
Pros
- Annual travel credit and anniversary miles can offset much of the fee
- No foreign transaction fees
- Strong everyday 2x earn rate on all spending
- Premium travel protections and lounge access
Cons
- High upfront annual fee
- Best value requires using the Capital One Travel portal
- Since February 2026, authorized users pay $125 per year for lounge access and lounge guests cost $45 each (free guests require $75,000 annual spend)
- Travel credit is portal restricted, not a flexible statement credit
The bottom line
Capital One Venture X Rewards Credit Card scores 4.1 out of 5 in our rubric. Best premium travel card for a mid-tier annual fee. Current welcome offer: 75,000 miles after $4,000 spend in 3 months.
Rates and offers verified 2026-07. Terms change often, so confirm the current details on the issuer's site before you apply.