Capital One Venture X
By Alex Compton · Last verified
Premium travel with the easiest break-even math in the category.
Welcome Bonus
75,000
≈$1,350 value
Spend Requirement
$4,000
in 3 months
Annual Fee
$395
No FTF
Credit Score
740+
(Excellent)
Current offer note: Public online offer; applicants who received a Venture X bonus in the past 48 months are not eligible
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Apply now or wait?
Consider waitingThis card has offered 100k before; the current 75k is right at its typical 75k. Elevated offers have been rare lately, so waiting is a gamble.
Current offer
75k
All-time high
100k
Typical offer
75k
In place since
April 2022
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-09-04 | 75,000 | $4,000 in 3 mo | Terms reconfirmedPublic online offer; 48-month product-bonus restriction applies | Capital One Venture X product page → |
| 2026-01 | 75,000 | $4,000 in 3 mo | Terms reconfirmed | Archive record · no attached snapshot |
| 2024-08 | 75,000 | $4,000 in 3 mo | Terms reconfirmed | Archive record · no attached snapshot |
| 2022-04 | 75,000 | $4,000 in 3 mo | Bonus decreased: 100,000 → 75,000 · Spend: $10,000 → $4,000 · Window: 6 → 3 months | Archive record · no attached snapshot |
| 2021-11 | 100,000 | $10,000 in 6 mo | Earliest recordLaunch offer | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledger- changed
Confirmed the 75,000-mile offer and corrected current portal earning, primary-cardholder lounge wording, anniversary value, screening credit and cell-phone protection.
Fields: currentOffer, offerHistory, earningRates, benefits, pros, ourTake, lastVerified
Capital One Venture X product page →
Source checked 2026-09-04 · spot an outdated offer? Report a correction above.
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Earning Rates
- 10xHotels & rental cars via Capital One Travel
- 5xFlights & vacation rentals via Capital One Travel
- 5xCapital One Entertainment purchases
- 2xAll other purchases
Credits ($300/yr stated)
- Capital One Travel credit$300
Benefits
- ✦10,000 anniversary miles ($100 toward travel)
- ✦Primary cardholder access to Capital One Lounges and 1,300+ Priority Pass lounges
- ✦Up to $120 Global Entry / TSA PreCheck credit
- ✦Up to $800 cell phone protection when the monthly bill is paid with the card
- ✦Transfers to 15+ partners
Lounge Access
This card opens 3 lounge networks. See exactly what you can walk into at your airport with the Lounge Finder.
Why it earns its spot
- +$300 credit + 10k anniversary miles ≈ fee fully offset
- +2x everywhere plus elevated portal and entertainment earn
- +2x everywhere base earn
Where it costs you
- −Travel credit locked to their portal
- −Capital One approvals are unpredictable
- −Lounge network still growing
The Compound Verdict
The premium card for people who hate annual-fee math. The $300 portal credit plus 10,000 anniversary miles offset the fee at face value for travelers who use Capital One Travel. Lounge access is a primary-cardholder benefit; do not assume a free authorized-user card includes it.
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