Our illustration in the card’s colours, not its design
Capital One credit card
Capital One Venture X Rewards Credit Card
- APR up · 19.49% to 19.74% · Oct 8, 2026
$395 a year. Purchase APR 19.74–28.74%, variable.
Checked Nov 1, 2026Updated
- Annual fee
- Receipt · Annual feeChecked Nov 1, 2026
Issuer's page · capitalone.com
“$395”
- Purchase APR · variable
- Receipt · Purchase APRChecked Nov 1, 2026
Issuer's page · capitalone.com
“19.74% - 28.74% variable APR”
- Foreign transactions
- Receipt · Foreign transactionsChecked Nov 1, 2026
Issuer's page · capitalone.com
The source states this figure; we have no exact sentence on file yet.
- Credit asked
- Excellent
Select an underlined figure to see where it comes from.
In dollars
What it’s worth
Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.
| Spending | Value against the fee | First year | After |
|---|---|---|---|
| Light spender | −$155 | −$155 | |
| Typical spender | $205 | $205 | |
| Heavy spender | $925 | $925 |
The spending each assumes, and what isn’t counted
- Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month
Assumed: points valued at an assumed 1¢; not counted: 10x Hotels booked through Capital One Travel; not counted: 5x Flights booked through Capital One Travel; not counted: 5x Vacation rentals booked through Capital One Travel.
−$155a year
The same in the first year and after.
Rewards and credits$240
−$155 after the fee−$395 annual fee
The spending this assumes
A month: groceries $300, dining $100, gas $100, everything else $500. Assumed: points valued at an assumed 1¢.
$205a year
The same in the first year and after.
Rewards and credits$600
You keep $205−$395 annual fee
The spending this assumes
A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250. Assumed: points valued at an assumed 1¢.
$925a year
The same in the first year and after.
Rewards and credits$1,320
You keep $925−$395 annual fee
The spending this assumes
A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500. Assumed: not counted: 10x Hotels booked through Capital One Travel; not counted: 5x Flights booked through Capital One Travel; not counted: 5x Vacation rentals booked through Capital One Travel; points valued at an assumed 1¢.
Use your own spending
Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards
Against the market
How it compares
Worth more to a typical spender than about 65% of the 732 cards we track.
Other miles cards with fees over $300
- Capital One Venture X BusinessCapital One · $395 a year+$55 a year
- Delta SkyMiles PlatinumAmerican Express · $350 a year−$145 a year
- United QuestChase · $350 a year−$200 a year
Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Venture X Rewards
How you earn
- 10×
- Hotels booked through Capital One TravelRental cars booked through Capital One Travel
- 5×
- Flights booked through Capital One TravelVacation rentals booked through Capital One TravelCapital One Entertainment purchases
- 2×
- Everything else
Miles per dollar. “What it’s worth” values a mile at an assumed 1¢.
Benefits
- Premier Collection hotel experience credit: $100 other
- Lifestyle Collection hotel experience credit: $50 other
- Premier Collection vacation rental experience credit: $100 other
- Lifestyle Collection vacation rental experience credit: $50 other
- Capital One Lounges for primary cardholders, with physical Venture X card or digital lounge pass; access not guaranteed and subject to space availability
All 18 benefits
- Priority Pass lounges worldwide (1,300+ participating lounges) for primary cardholders; enrollment required
- Hertz Gold+ Rewards status upgrade (enrollment required through the Capital One Benefits Tab)
- No foreign transaction fees on purchases outside the United States
- Premier Collection hotel benefits through Capital One Travel: daily breakfast for two, complimentary Wi-Fi, and when available room upgrades, early check-in and late checkout (per room, per stay)
- Lifestyle Collection hotel benefits through Capital One Travel: complimentary Wi-Fi, and when available room upgrades, early check-in and late checkout (per room, per stay)
- Premier and Lifestyle Collection vacation rental benefits: complimentary Wi-Fi, and when available early check-in and late checkout (per stay)
- Capital One Entertainment access to events with exclusive pre-sales, tickets and more
- The Cultivist: 50% off the Enthusiast membership for up to 2 years (enrollment required; membership auto-renews yearly unless cancelled)
- Additional cardholders can be added; primary account holder is responsible for their charges
- Referral bonus: up to 100,000 bonus miles when a referred friend or family member is approved for a Venture X card (terms apply)
- Anniversary bonus: 10,000 bonus miles after each anniversary, starting with the first anniversary
- Miles redemption to cover flights, hotels, vacation rentals, rental cars and more, or transfer to 15+ travel loyalty programs
- Cell phone: Up to $800
Changes
- Oct 8, 2026 APR 19.49% to 19.74%
Only changes that held for at least three days on both sides count; one-day blips in a reading don’t.
Every figure with its receipt
Rates and fees
| Annual fee | Receipt · Annual feeChecked Nov 1, 2026 Issuer's page · capitalone.com “$395” |
|---|---|
| Purchase APR | Receipt · Purchase APRChecked Nov 1, 2026 Issuer's page · capitalone.com “19.74% - 28.74% variable APR” |
| Foreign transactions | Receipt · Foreign transactionsChecked Nov 1, 2026 Issuer's page · capitalone.com The source states this figure; we have no exact sentence on file yet. |
Before you apply
- Credit the issuer asks for: Excellent (issuer’s page).
- What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
- Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)
Questions
- What is the annual fee?
- $395 · capitalone.com, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- No. · capitalone.com, since Oct 21, 2026
- What is the purchase APR?
- 19.74–28.74% APR · capitalone.com, since Oct 8, 2026
- What credit do you need?
- Excellent · capitalone.com, since Oct 21, 2026