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How to Use the Capital One Venture X $300 Annual Travel Credit

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The Capital One Venture X Rewards Credit Card comes with a number of benefits for cardholders, including a $300 annual travel credit, Priority Pass membership, 10,000 bonus miles every anniversary, access to Capital One lounges , a minimum of 2 miles per dollar spent for every purchase and more.

In this article, we’ll show you how to use the Capital One Venture X Rewards Credit Card travel credit.

What is the Capital One Venture X Rewards Credit Card travel credit?

Capital One Venture X Rewards Credit Card holders receive a $300 annual travel credit. This comes in the form of statement credits for travel that can be booked through Capital One’s travel portal and paid for with your Capital One Venture X Rewards Credit Card .

» Learn more: The best credit card travel portal for booking flights

What is the Capital One Venture X Rewards Credit Card ?

The Capital One Venture X Rewards Credit Card , with an annual fee of $395 , is one of Capital One’s premium cards .

Although the annual fee is less than what you’d pay for other popular premium credit cards (such as $695 for The Platinum Card® from American Express or $550 for the Chase Sapphire Reserve® ), you should still consider all of the card’s benefits to determine if you can get at least $395 worth of value from the card each year.

One of the best ways to help offset the annual fee and maximize the value that you’ll get from the card is by taking full advantage of the Capital One Venture X Rewards Credit Card ’s $300 annual travel credit.

» Learn more: The best travel credit cards right now

How to use the Capital One Venture X Rewards Credit Card travel credit

Using the Capital One Venture X Rewards Credit Card travel credit is pretty straightforward.

Login and book your travel — including flights, hotels and car rentals — through Capital One's travel portal at capitalonetravel.com .

Pay for your travel using your Capital One Venture X Rewards Credit Card . You can spend $300 or more at once for a single statement credit, or you can make multiple purchases throughout the year and receive multiple statement credits until the total reaches $300.

Keep your Capital One Venture X Rewards Credit Card account open and in good standing — you won’t receive the credit if your account is closed or delinquent.

As you can see, Capital One makes it fairly easy for you to receive Capital One Venture X Rewards Credit Card ’s travel credit.

Other tips for spending your travel credit

Spend it all. You'll receive partial credits if you spend less than $300 on travel and meet the requirements above. So if you only spend $200 through Capital One Travel using your Capital One Venture X Rewards Credit Card , you’ll receive a $200 credit. Be sure to go back and spend the $100 credit you have left if you want to maximize the benefit.

Prepare for delays. Although Capital One says the statement credit will post within 1-7 business days, it can take as long as two billing cycles after purchase for the credit to post.

Know the limitations. Remember that you’ll need to book your travel through the Capital One Travel site to receive the Capital One Venture X Rewards Credit Card travel credit. This is unlike other cards, such as the Chase Sapphire Reserve® , which allows you to earn a travel credit for any spend in the travel category with no requirement for booking through a specific travel portal.

Don't worry about canceled bookings. If you cancel your purchase that you received the travel credit for, the travel credit may be removed but is still eligible for reissue.

Know when it resets. The annual credit is based on your anniversary year, not the calendar year. So once you receive the full $300 travel credit, you'll have to wait until after the anniversary of opening your card to earn the travel credit again.

» Learn more: How does the Capital One Venture X Rewards Credit Card stack up to its competitors?

The bottom line

By taking full advantage of the $300 annual travel credit that comes with the Capital One Venture X Rewards Credit Card , cardholders can recoup much of the card’s $395 annual fee.

To use the Capital One Venture X Rewards Credit Card travel credit, you need to book your travel through Capital One Travel, pay for the travel using your rewards card and ensure your credit card is open and in good standing. Even if you don’t plan on spending $300 or more through Capital One Travel, you can still receive a partial statement for travel booked on the site using your card.

Overall, we recommend that Capital One Venture X Rewards Credit Card holders take full advantage of the $300 annual travel credit to get the most value out of the card and better offset the annual fee.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Wells Fargo Autograph℠ Card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Capital One's website

2x-5x Earn unlimited 2X miles on every purchase, every day. Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options

75,000 Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.

2x-10x Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals booked through Capital One Travel, Earn unlimited 2X miles on all other purchases.

75,000 Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel.

1%-8% Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases. Earn 8% cash back on Capital One Entertainment purchases. Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel. Terms apply.

$200 Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening.

What You Need to Know About the Capital One Venture X Travel Credit

A key card feature is changing.

A Capital One Travel Credit Has Changed

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When you have rewards credit cards, changes to the program are expected.

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The offers in this article may be expired or currently unavailable.

Capital One recently informed cardholders who have the Venture X Rewards Credit Card that one of their key benefits has changed. Since the card's launch, cardholders have enjoyed an annual $300 travel credit that was applied as a statement credit after you purchased an eligible travel booking through Capital One Travel.

Going forward, however, there is no more statement credit. Now, users will be able to redeem a $300 discount at the time of purchase.

Find out what this means for cardholders, if there's any real difference and how the new $300 credit will work.

Same $300 Credit, But Applied Differently

Given Venture X's annual fee of $395, the $300 travel credit goes a long way toward offsetting the cost of carrying the card. In the past, cardholders would use their card to book a trip via Capital One Travel costing $300 or more, and then – a statement cycle or two later – they'd receive a statement credit of $300.

Now, instead of waiting for the credit card statement to arrive, you'll apply the $300 credit at the time of booking. So essentially you get a $300 upfront discount.

How the Change Impacts Cardholders

On the surface, not having to wait for your $300 savings sounds great. But it will cost cardholders some rewards dollars, because rewards will not be earned on the credit.

That refers earning 10 points per dollar spent on purchases made through Capital One Travel. Prior to the change, if you booked a trip for $400, you'd earn 4,000 points – which is the equivalent of $40 in rewards – and then you’d get your $300 statement credit soon after.

If you book that same $400 trip now, you'll get an instant $300 discount, meaning you'll only earn rewards on the remaining $100 purchase amount. So instead of 4,000 points, you'll only earn 1,000 – taking your real dollar earnings from $40 to $10.

Basically, the updated terms mean that the card is losing $30 in annual value. With many other benefits, perks and earning opportunities, that may not make a difference to cardholders. For those considering the card, it's up to you to decide if it's a deal breaker.

Ultimately, credit cards have the right to change their program terms and conditions at any time. But in the world of higher-tier travel rewards cards, people take seriously any changes that diminish a card's value. As such, there's been some online chatter along those lines among cardholders alerted about the change.

Capital One's Take

A Capital One spokesperson says, "This change comes from Capital One always listening to its customers and continuing to build a seamless booking experience for them from start to finish. Now that customers receive the annual credit immediately within Capital One Travel, it's easier for them to decide when to apply the credit at their convenience, rather than waiting to receive the statement credit weeks after purchase."

How Travel Credits Work With Other Cards

While some cardholders might be upset about Capital One's updated travel credit policy, other major travel card issuers also don't let you double-dip by earning rewards on travel credit-subsidized purchases.

For example, the Annual Travel Credit offer from American Express is redeemable at the time of purchase when you book travel via American Express Travel, the same way Capital One works now.

With the Chase Sapphire Reserve card, the $300 travel credit is a statement credit, but the terms specify that no rewards will be earned on purchases that qualify for the credit. What's more, you won't earn bonus Chase Ultimate Rewards points on travel purchases until the $300 credit is exhausted.

The Bottom Line

When you have rewards credit cards, tweaks to the program are par for the course. On the positive side, Capital One Venture X Rewards Credit Card users no longer have to wait weeks for their travel credit. But the rare opportunity to earn rewards on top of a travel credit purchase is no more.

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All about Venture X

February 20, 2024 | 5 min read

Whether it’s a two-month journey across the globe or a two-day return to your hometown, the Capital One Venture X card can reward you every step of the way. Read on to learn how.

What you'll learn:

• The Capital One Venture X card rewards travel with flexible benefits like a 75,000-mile early spend bonus, a $300 annual credit for bookings through Capital One Travel and a 10,000-mile anniversary bonus.
• Venture X cardholders who book through Capital One Travel earn unlimited 10X miles on hotels and rental cars and 5X miles on flights. 
• Cardholders can also enjoy complimentary access to the all-inclusive Capital One Lounges and a network of partner lounges worldwide.
• Cardholders also receive an experience credit and premium benefits on every hotel booking from the Capital One Travel Premier or Lifestyle Collection.

Where will Venture X take you?

What is capital one venture x.

Venture X is a travel card designed with elevated rewards to take you further. With Venture X, you can earn unlimited miles and redeem them for travel bookings, gift cards, cash and more; access exclusive airport benefits; and even receive anniversary bonus miles just for being a cardholder.

Venture X benefits

Here’s a look at the benefits you get for a $395 annual fee. View important rates and disclosures .

Early spend bonus

Earn 75,000 bonus miles when you spend $4,000 on purchases during the first three months after account opening—so your dream trip can be your next trip. 1 Plus, miles don’t expire for the life of the account.

Annual travel credit

Receive a $300 annual credit for bookings through Capital One Travel , where you’ll get our best prices on thousands of hotels, flights and rental cars. 2

Anniversary bonus

As Capital One’s way of saying “thank you” for being a cardholder, get 10,000 bonus miles after each anniversary.

Airport lounges

Enjoy complimentary access for you and two guests to the Capital One Lounges . Travelers at Dallas-Fort Worth International Airport (DFW), Washington-Dulles Airport (IAD) and Denver International Airport (DEN) can enjoy upscale design; high-quality, all-inclusive amenities; and a luxury airport lounge experience unlike any other. 3 Plus, visit participating lounges worldwide with Capital One’s Partner Lounge Network , which includes Priority Pass™ and Plaza Premium Lounge locations. 4

Premium stays

Book extraordinary hotels from the Premier and Lifestyle Collections and enjoy a suite of premium cardholder benefits like an experience credit to use during your stay. 5

Hertz Gold Plus Rewards President’s Circle® status

Venture X cardholders are eligible for complimentary Hertz President’s Circle status through December 31, 2024. Enroll online for the ability to skip the rental counter, choose from the widest selection of Hertz cars and get guaranteed upgrades.

Global Entry or TSA PreCheck®

Breeze through the airport. Receive up to a $120 statement credit on your application fee for TSA PreCheck® or Global Entry when you use your card.*

No foreign exchange fees

See the world without the fees. You won’t pay foreign transaction fees when making purchases outside the United States. View important rates and disclosures .

Venture X rewards: Unlimited miles, enhanced travel

With Venture X, earn miles on every purchase and get access to exclusive tools and benefits that help you create the upgraded travel experience you deserve. Plus, redeem your miles whenever you want. 6

Capital One Travel

You’ll earn extra rewards when you book with Capital One Travel , and you can even redeem your rewards for future trips. Here’s how you earn miles with Venture X:

• Unlimited 10X miles on hotels and rental cars when you book through Capital One Travel 
• Unlimited 5X miles on flights when you book through Capital One Travel 
• Unlimited 2X miles on all other purchases every day, from oceanside dinners to bottles of SPF 50 

Capital One Travel is the smarter way to book flights, hotels and rental cars. Get great prices with features like price prediction on flights, which can help you save an average of 15% by alerting you when it’s time to book. 7 And if you book when Capital One Travel recommends and the price of your flight drops within 10 days, you’ll automatically get a travel credit up to $50. 

Plus, if you book through Capital One Travel and find a better price on another site within 24 hours, you can get a travel credit for the difference. 8

Flexible redemption options

So many ways to earn and so many ways to redeem . Use miles to book via Capital One Travel, transfer miles to your choice of 15+ travel loyalty programs or redeem them for recent travel purchases, including vacation rentals, flights, hotels, campgrounds, cruises and more. 9

Visa Infinite® protection and perks: An added benefit of Venture X

Your card does more than maximize your travel. As part of the Visa Infinite network, Venture X gives you extra coverage and a concierge’s help with reservations and event tickets. 10

Cellphone protection

Protect your cellphone every time you pay your bill with your Venture X card. If it’s stolen or damaged, you’ll get reimbursed up to $800.

Cancel worry-free

You’ll have peace of mind with trip cancellation and interruption coverage, which lets you change your dates as needed for qualifying events.

Return protection

Keep your options open with 90 days of return protection, to help when you make a qualifying purchase with your Venture X card that the retailer will not accept back.

Extended warranty protection

You can receive additional warranty protection at no charge on eligible items that are purchased with your Venture X card.

Travel accident insurance

Get automatic insurance for a covered loss at no extra charge when you use your Venture X card to purchase your travel fare.

Auto rental collision damage waiver

Rent an eligible vehicle with your card and you could be covered for damage due to collision or theft. Learn more about rental car insurance .

Visa Infinite concierge

Want a hand with dinner reservations? Looking for tickets to a show or sporting event? Need gift ideas or flower delivery? A Visa Infinite concierge can help with it all.

Exclusive access for Venture X cardholders

Your card does more than earn miles on every purchase. It also gives you access to exclusive events and complimentary memberships to make your trip unforgettable. 

Complimentary PRIOR subscription

Receive a complimentary subscription to PRIOR , a modern travel brand curating exclusive experiences and voyages, destination guides and insider information.

The Cultivist partnership

Enjoy free entry for you and a guest to some of the best museums in the world with a discounted membership to The Cultivist .

Capital One Entertainment

Use Capital One Entertainment to get exclusive tickets, VIP event access and more. Whether you’re a sports fan or music lover, there are countless experiences to enjoy.

Capital One Dining

With Capital One Dining , access once-in-a-lifetime culinary events and hard-to-get reservations at an expertly curated selection of top restaurants.

Venture X account management and security

Shop with confidence knowing your card is protected with these safety and security features :

Free additional cardholders

Share Venture X’s benefits with someone you trust and earn rewards on every dollar they spend. Additional cardholders can be added at no extra cost. 11 View important rates and disclosures .

$0 liability for unauthorized charges

If your card is lost or stolen and an unauthorized charge shows up on the account, Capital One is here to help. You won’t have to cover expenses from purchases you haven’t authorized. 12

Security alerts

Get notified via text, email and phone if Capital One notices potentially suspicious activity on your account.

Eno, your Capital One assistant

As your around-the-clock assistant, Eno watches your account and reaches out if anything unusual shows up. 13

Virtual card numbers

Shop online more securely with virtual card numbers. Virtual card numbers can disguise your actual card number and help protect you from potential fraud when shopping online.

Getting approved for Venture X

To get approved for a credit card , your credit scores and credit history typically have to meet the credit card issuer’s requirements. The Venture X rewards card is generally for people with what’s commonly referred to as excellent credit scores .

If Venture X isn’t the right fit for where you are in your credit journey, you can learn more about Capital One’s other travel cards .

Venture X FAQ

Here are some answers to commonly asked questions about Capital One Venture X:

What’s the difference between VentureOne and Venture X?

VentureOne and Venture X differ when it comes to things like rewards, bonuses and annual fees. 

VentureOne earns unlimited 1.25 miles per dollar on every purchase and 5 miles per dollar on hotels and rental cars booked through Capital One Travel. Venture X earns unlimited 2 miles per dollar on every purchase, 5 miles per dollar on flights and 10 miles per dollar on hotels and rental cars booked through Capital One Travel.

VentureOne offers 20,000 bonus miles when you spend $500 on purchases within the first 3 months. With Venture X, you earn 75,000 bonus miles when you spend $4,000 on purchases within the first three months. 

Venture X offers other benefits, like complimentary access for you and two guests to the Capital One Lounges . Venture X has an annual fee. View important rates and disclosures . VentureOne doesn’t have an annual fee. View important rates and disclosures .

Other Capital One travel and miles rewards credit cards are Venture and VentureOne Rewards for Good Credit .

What type of card is Capital One Venture X?

Venture X is an elevated travel rewards card backed by Visa Infinite. It offers premium travel benefits and unlimited miles, plus access to exclusive experiences and events, VIP tickets and more.

Is Venture X worth it?

If you have excellent credit and are a frequent traveler, Capital One Venture X can offer a high miles earn rate and exclusive benefits.

Key takeaways: Capital One Venture X

Start exploring the world your way with premium travel benefits and unlimited miles. Plus, unlock access to exclusive experiences and events, VIP tickets and more—just for being a Capital One cardholder.

Other ways to maximize your travel benefits

Who wouldn’t want to get the most out of their credit card? Here are some things to know about Capital One travel rewards credit cards: 

• Get complimentary access to airport lounges and luxury amenities with the Capital One Venture X card . 
• Earn unlimited 2X rewards miles, plus 75,000 bonus miles, and enjoy flexible redemption and transfer options with the Capital One Venture card and the Capital One Venture X card . 
• Earn unlimited 1.25X miles with no annual fee with the Capital One Venture One card . View important rates and disclosures . 
• Explore travel rewards card options by comparing Capital One Venture cards . 
• Find out how Venture X cardholders can get access to a worldwide network of airport lounges thanks to a complimentary Priority Pass membership .

Related Content

All about booking with Capital One Travel

All about Capital One Lounges

Elevate your travel experience with Hertz and Capital One

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• Capital One Venture X

Full List of Travel Insurance Benefits for the Capital One Venture X Card [2024]

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Table of Contents

Basic card information, auto rental collision damage waiver, trip cancellation and interruption insurance, trip delay reimbursement, baggage delay reimbursement, filing a claim, final thoughts.

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The Capital One Venture X Rewards Credit Card is one of the hottest options in the premium card market. Even though Capital One is a relatively new entrant into the ultra-premium niche, it did an incredible job with this card. The card boasts thousands of dollars of value every year for the discerning traveler, streamlined bonus rewards, and access to an attractive rewards landscape in Capital One Miles.

This card doesn’t just stop at lounge access and travel credits — its benefits extend all the way to high-quality travel insurance perks. Unfortunately, learning about the travel insurance offered by the Capital One Venture X card is easier said than done. This is made even more complicated by the fact that insurance policies are some of the most difficult topics to comprehend.

So, in this guide, our goal is to demystify the travel insurance benefits and coverage offered by the Capital One Venture X card. This guide will cover everything from primary rental car insurance to travel accident insurance.

Let’s get right into it!

For you to better understand the card’s coverage, it’s important to have a little background on the card. We’ve detailed the benefits, welcome bonus, and annual fee for the Capital One Venture X card below:

The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.

The Capital One Venture X Rewards Credit Card is the premium Capital One travel rewards card on the block.

Points and miles fans will be surprised to see that the Capital One Venture X card packs quite the punch when it comes to bookings made through Capital One, all while offering the lowest annual fee among premium credit cards.

Depending on your travel goals and preferences, the Capital One Venture X card could very well end up being your go-to card in your wallet.

• 10x miles per $1 on hotels and rental cars purchased through Capital One Travel
• 5x miles per $1 on flights and vacation rentals purchased through Capital One Travel
• 2x miles per $1 on all other purchases
• $395 annual fee ( rates & fees )
• Does not offer bonus categories for flights or hotel purchases made directly with the airline or hotel group, the preferred booking method for those looking to earn elite status
• Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
• Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
• Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
• Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals booked through Capital One Travel
• Earn unlimited 2X miles on all other purchases
• Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
• Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
• Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
• Receive up to a $120 credit for Global Entry or TSA PreCheck ®
• APR: 19.99% - 29.99% (Variable)
• Foreign Transaction Fees:  None

Capital One Miles

One of the pillars of travel insurance is coverage for your rental car. Indeed, this is one of the most important areas to pay close attention to. Why? Coverage varies wildly — and you might not actually be getting the coverage you’re expecting. If something unexpected happens while you’re renting, you could be liable for thousands of dollars’ worth of damages.

The Capital One Venture X card confers excellent auto rental collision damage waiver coverage . Save money by saying no at the counter — when you rent with your covered Visa Infinite card, you get built-in auto rental coverage .

To utilize this coverage, you must decline the rental car company’s collision damage waiver, or CDW, also sometimes referred to as the loss damage waiver, or LDW, and pay for the entire rental car using your Capital One Venture X card .

To file a claim, you need to immediately call the benefits administrator at 800-825-4062 (outside the U.S., call collect at 804-965-8071).

You need to provide:

• A copy of the accident report form
• A copy of the initial and final auto rental agreements (front and back)
• A copy of the repair estimate and itemized repair bill
• 2 photographs of the damaged vehicle, if available
• A police report, if obtainable
• A copy of the demand letter that indicates the costs you are responsible for and any amount that has been paid toward the claim

Be sure to complete and sign the claim form provided by the benefits administrator and postmark it within 90 days of the damage date, even if all of the other required documentation isn’t yet available.

You should also submit a copy of your billing statement showing that the entire car rental was booked with the Capital One Venture X card.

One of the core pillars of travel insurance is trip cancellation and interruption insurance.

If your upcoming travel plans are disrupted or canceled, there could be potentially huge financial implications. For example, if your airline becomes insolvent and you have to cancel your vacation because of that, leverage your trip cancellation and interruption insurance, which typically covers unexpected events.

You can even use this coverage in the middle of your trip — it specifically relates to travel on “common carriers.” Common carriers are generally any model of transportation by land, water, or air operating for hire under a license to carry passengers for which a ticket must be purchased prior to travel.

The most applicable common carrier travel would likely be airfare, and the Capital One Venture X card covers each insured person so long as you charge the entire cost to that credit card . Your spouse and dependent children are generally eligible for coverage, as long as their trips are also paid for on the credit card.

You’re generally covered if the interruption or cancellation is from the death of a family member (as well as accidental bodily injury, disease, or physical illness) or financial insolvency of the common carrier.

Exclusions to this insurance include any preexisting conditions, injuries arising from participation in professional sports events, cosmetic surgery, suicide, declared or undeclared war, and more.

Trip delays are one of those unexpected annoyances that happen to travelers sooner or later.

Luckily, the Capital One Venture X card covers trip delay reimbursement of up to $500 for every purchased ticket on your card so long as your trip is delayed for more than 6 hours or requires an overnight stay.

You can have up to 1 claim per trip, and you need to purchase at least a portion of the common carrier fare using your credit card .

Have you ever wondered what happened to your luggage only to find out that, just like in a nightmare in a scary movie, the airline has delayed or lost it?

Worry no more — your bags are covered against common carrier-caused loss or theft with lost luggage reimbursement when you use your Venture X card to purchase common carrier tickets.

The exact process for filing a claim depends on which coverage you’re trying to use, but the general process is usually the same:

• Notify your benefits administrator as soon as you possibly can about your covered event.
• Provide any preliminary claim information to the benefits administrator.
• The benefits administrator will send a more complete claim form to fill out, as well as a list of documentation required.
• Submit the claims and wait to receive the reimbursement you’re eligible for.
• Follow up with the benefits administrator as needed.

The exact documentation you need to collect varies. For example, if you want to file for a car rental-related reimbursement, you’ll likely need to furnish items like your rental car agreement. On the other hand, if you’re applying for trip cancellation or interruption coverage, you need to provide the confirmation of the nonrefundable tickets on the common carrier.

In general, all claim forms must be submitted within 90 days of the covered event, even if all of the supporting documentation isn’t yet available.

Hot Tip: Keep as much documentation as possible, including receipts, police reports, email communications from third parties, and more. 

The Capital One Venture X card offers some of the best travel insurance a credit card can offer. This is in addition to the other benefits you get, such as unlimited Capital One Lounge access, up to $300 Capital One Travel credit every cardmember anniversary year, cell phone insurance , and so much more.

In particular, the primary rental car insurance rivals the best that ultra-premium credit cards offer.

Although this card doesn’t have baggage delay coverage, emergency medical and dental coverage, or emergency medical transport and evacuation insurance, it has most of the features travelers are looking for.

For Capital One products listed on this page, some of the benefits may be provided by Visa ® or Mastercard ® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

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Credit cards

Capital One Venture X benefits guide: Packed with premium perks for a lower fee than its peers

Carissa Rawson

Julie Sherrier

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Grace Pilling

Updated 4:25 p.m. UTC Sep. 10, 2024

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The Capital One Venture X Rewards Credit Card is a compelling option for travel rewards aficionados, especially since it offers premium travel benefits while charging less than the competition. Among its many perks is airport lounge access, a generous annual travel credit and travel protections. Let’s take a look at all the Capital One Venture X benefits as this card has a lot to offer.

Capital One Venture X overview

The Capital One Venture X card may charge a $395 annual fee, but in return you get no-fuss rewards earning and a swath of high-end travel benefits. With an unlimited 2 miles per $1 on purchases, 5 miles per $1 on flights and vacation rentals booked through Capital One Travel and on purchases through Capital One Entertainment and 10 miles per $1 on hotels and rental cars booked via Capital One Travel — it’s easy to rack up the rewards. Combine this with the travel perks, and it’s clear why the Venture X has made a name for itself as one of the best credit cards on the market.

Major Capital One Venture X benefits

Welcome offer.

The current welcome offer for the Capital One Venture X card is fairly generous:

• Earn 75,000 miles after spending $4,000 on purchases in the first three months of account opening.

Welcome offers can and do change periodically, and this is one of the better ones available, so if you’re interested in applying for the card it’s better to do so sooner rather than later. At a minimum, this bonus is worth several hundred dollars towards travel when booked through Capital One Travel. However, those miles can increase in value when you transfer them to Capital One’s airline and hotel partners which may offer higher redemption values.

Earn Capital One miles

The Capital One Venture X card earns 2 miles per $1 on purchases, 5 miles per $1 on flights and vacation rentals booked through Capital One Travel and on purchases through Capital One Entertainment and 10 miles per $1 on hotels and rental cars booked via Capital One Travel.

Capital One miles are a type of flexible point currency, which means they can be redeemed in a number of ways. This can make them easier to redeem than points you’ll find on other rewards credit cards .

For example, your miles can be used to book travel through the Capital One Travel portal or cover eligible travel purchases made with your card. You can also transfer them to one of Capital One’s hotel and airline partners.

There are other redemption options, too, like buying gift cards and shopping at select retailers, but these generally don’t offer the best value for your miles.

Annual $300 travel credit

Although the travel credit offered by the Capital One Venture X is more limited than some others as the credit only applies to purchases made through the Capital One Travel portal, it can still provide great value to cardholders. Each year, cardholders can receive a $300 credit for travel booked via Capital One’s travel portal — whether that’s on flights, hotels, vacation rentals or rental cars. 

Anniversary bonus

A 10,000-mile bonus is awarded on every card anniversary year, which members can redeem however they see fit. At a minimum, this is worth $100 towards travel.

Airport lounge access

Frequent travelers will benefit from the airport lounge access the Capital One Venture X provides, as it’s more comprehensive than competitors such as the Chase Sapphire Reserve® .

Not only will cardholders receive a Priority Pass Select membership upon enrollment (which allows unlimited entry to 1,300+ lounges for themselves and two guests), they’ll also have access to Plaza Premium Group and Capital One lounges.

What’s the big deal about an airport lounge? Here’s what you need to know about the perks of Priority Pass Lounge access

Travel insurance

Travel includes a lot of moving parts, which is why having travel insurance can save you a lot of headaches—and money—when things go awry. The Capital One Venture X offers complimentary and comprehensive travel insurance¹, including:

• Primary rental car insurance.
• Trip cancellation insurance.
• Trip protection insurance.
• Trip delay reimbursement.
• Lost luggage insurance.
• Emergency assistance services.
• Travel accident insurance.

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Chase Sapphire Reserve®

Welcome bonus.

• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

Regular APR

Credit score.

Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Editor’s take

• Up to $300 annual travel credit and Priority Pass Select lounge access.
• Redeem points for 50% more value to book travel through Chase Travel℠.
• Transfer points 1:1 to partners such as United Airlines and World of Hyatt.
• High annual fee.
• Not ideal if you aren’t interested in transferring points.
• May not qualify if you’ve applied for 5 or more credit cards in the last 24 months.

Card details

• $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
• Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
• Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
• 1:1 point transfer to leading airline and hotel loyalty programs
• Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Member FDIC

Additional benefits worth noting

Tsa precheck/global entry credit.

Like many other luxury travel credit cards , the Capital One Venture X will offer up to a $120 statement credit for TSA PreCheck or Global Entry. You simply need to pay for the application fee using your card and the credit will automatically reimburse you up to $120 for the expense. The credit is valid once every four years.

Luxury hotel benefits

Capital One’s Premier Collection gives you elite status-like benefits at eligible, high-end properties. Available only to those with either the Capital One Venture X card or the Capital One Venture X Business , members can receive benefits such as an up to $100 experience credit, room upgrades (when available), complimentary breakfast and more. Bookings must be made through Capital One Travel to qualify.

Rental car elite status

Capital One Venture X cardholders can also enroll to receive complimentary top-tier Hertz President’s Circle status².

PRIOR subscription

A subscription to PRIOR magazine usually costs $149 per year, while cardholders are granted a complimentary subscription.

The Cultivist membership

With a complimentary six-month Enthusiast membership to The Cultivist, cardholders can access more than 60 of the world’s museums without spending a dime.

Shopping protections

Sometimes bad things happen to the things you buy, whether that means your cellphone gets stolen or your toaster quits working as soon as the warranty expires. The Capital One Venture X mitigates this with shopping protections such as an extended warranty, cell phone insurance, return protection and more.¹

No foreign transaction fees

Those who travel abroad will be glad to know that the Capital One Venture X card doesn’t charge any foreign transaction fees, so you can make your purchases without paying an extra 1% to 3% surcharge when traveling.

Frequently asked questions (FAQs)

To be approved for the Capital One Venture X you’ll need to have excellent credit, making it one of the most exclusive credit cards out there.

The Capital One Venture X card effectively functions as an upgraded Capital One Venture Rewards Credit Card . You’ll earn similar rewards, but have access to enhanced benefits, such as airport lounge access, an annual travel credit, primary car rental insurance vs. secondary on the Capital One Venture¹ and a 10,000-mile anniversary bonus. 

It can be possible to upgrade your Capital One Venture card to a Capital One Venture X card, but you’ll want to be wary of doing so. Often, upgrading your card means you lose out on the ability to earn a welcome offer the way you would if you applied for the card as a new cardholder.

Yes, the Capital One Venture X offers a comprehensive suite of travel insurance benefits including primary rental car insurance, trip cancellation/interruption coverage, lost luggage coverage and travel accident insurance.¹

The Capital One Venture X may charge a $395 annual fee, but it also provides the opportunity to earn a minimum of $400 in credits as well as bonus miles each year — making this card one of the best Capital One cards around. However, if you’re looking for a no-fee card that still earns rewards, you may want to consider the Capital One VentureOne Rewards Credit Card instead.

¹ For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

² Upon enrollment, accessible through the Capital One website or mobile app, eligible cardholders will remain at upgraded status level through December 31, 2024. Please note, enrolling through the normal Hertz Gold Plus Rewards enrollment process (e.g. at Hertz.com) will not automatically detect a cardholder as being eligible for the program and cardholders will not be automatically upgraded to the applicable status tier. Additional terms apply.

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Carissa Rawson is a credit cards and award travel expert with nearly a decade of experience. You can find her work in a variety of publications, including Forbes Advisor, Business Insider, The Points Guy, Investopedia, and more. When she's not writing or editing, you can find her in your nearest airport lounge sipping a coffee before her next flight.

Julie Stephen Sherrier is a personal finance writer and editor based in Austin, TX. She is the former senior managing editor for LendingTree, responsible for all credit card and credit health content. Before joining LendingTree, Julie spent more than a decade as the managing editor and then editorial director at Bankrate and CreditCards.com. She also served as an adjunct journalism instructor at the University of Texas at Austin.

Grace Pilling is a deputy editor for credit cards at USA TODAY Blueprint. She believes credit cards are the ultimate choose-your-own-adventure tools of the financial world and gets excited about helping people discover the best credit card strategy for their unique goals. Prior to joining Blueprint, Grace worked on and led personal finance teams at Bankrate, CreditCards.com, MoneyUnder30 and MoneyGeek. She has a bachelor’s degree in English and writing and a diploma in editing and publishing.

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Who should (and shouldn’t) get the Capital One Venture X card?

One of the most popular premium travel rewards credit cards on the market is the Capital One Venture X Rewards Credit Card .

While its $395 annual fee (see rates and fees ) is significant, the card offers a host of travel perks — from a $300 annual credit for purchases made through Capital One Travel to lounge access to up to four free authorized users — that can easily offset the full yearly cost of the card. (see rates and fees )

The card is a step up from the Capital One Venture Rewards Credit Card , the tried-and-true Capital One product that charges an annual fee of $95 (see rates and fees ) but still offers a taste of what its more expensive sibling provides.

Of course, the Venture X isn't for everyone. Let's dig deeper to see who should — and shouldn't — apply for this card.

Learn more: Capital One Venture X

Key Capital One Venture X benefits

The Capital One Venture X is currently offering a sign-up bonus of 75,000 bonus miles when you spend $4,000 on purchases in the first three months from account opening.

Those 75,000 miles are worth at least $750 when redeemed for travel directly through Capital One Travel or as statement credits toward other travel purchases. But their value is boosted to $1,388, according to TPG's latest valuations , thanks to a robust set of airline and hotel transfer partners .

While that might be alluring enough on its own, the card extends plenty of other valuable, everyday benefits:

• Earning: The Venture X earns 10 miles per dollar on hotels and car rentals booked via Capital One Travel, 5 miles per dollar on flights booked via Capital One Travel and an unlimited 2 miles per dollar on everything else
• Credit: A $300 credit annually for bookings made through Capital One Travel
• Anniversary bonus: 10,000 bonus miles every account anniversary, starting on your first anniversary (worth at least $100 toward travel)
• Lounge access: Complimentary access for cardholders, authorized users and up to two guests per visit to Capital One Lounges and for all guests traveling with the cardholder or authorized user to more than 1,300 Priority Pass lounges worldwide
• Authorized users: Up to four authorized users can be added at no charge, and they also get the same guest access as the cardholder for the Capital One Lounge and Priority Pass
• Global Entry or TSA PreCheck: Up to $120 in statement credits for either TSA PreCheck or Global Entry
• Annual fee: $395 (see rates and fees )

Who should get the Venture X?

If you're considering the Venture X, let's narrow down why the card might best fit you.

You want simplicity in a premium card

The Venture X credit card is a premium card that is simple to understand. Unlike some other products with a dizzying array of statement credits and third-party partners, the Venture X keeps its perks relatively straightforward.

In fact, the Venture X offers benefits that even beginner travelers can maximize, including a $300 annual credit through the travel portal (hotels, airfare and rental cars qualify). The Venture X also adopts a simple earning structure, accruing 2 miles per dollar on most charges, complemented by elevated earning rates for bookings made via Capital One Travel.

In addition, Venture X cardholders receive 10,000 bonus miles every account anniversary. Those miles are worth $100 when redeemed via the travel portal or potentially even more if you transfer miles to an airline or hotel partner .

Simple math will show that between the annual travel credit and bonus miles on each account anniversary, you're already breaking even on the $395 annual fee (see rates and fees ). And that doesn't include a variety of other perks.

Related: The most exciting premium card to come around in years: A review of Capital One Venture X

You want access to airport lounges

While more and more travel credit cards seem to offer airport lounge access these days, the Venture X still has a few features that set it apart in this respect.

Venture X cardholders have access to a growing network of Capital One Lounges, including at Dallas Fort Worth International Airport (DFW), Dulles International Airport (IAD) and Denver International Airport (DEN) . The lounges have a modern design, premium dining experiences and a robust grab-and-go selection.

In addition, Venture X cardholders get access to over 1,300 Priority Pass lounges worldwide.

You want free authorized users

Venture X cardholders can add up to four authorized users at no cost.

That's an excellent value proposition, considering authorized users get unlimited access to Capital One Lounges and Priority Pass lounges worldwide — with the same guest policies as the cardholder.

In addition, authorized users get Hertz President's Circle elite status. By registering through your Capital One account, your authorized user can enjoy top-tier status with Hertz car rentals.

Upon enrollment, accessible through the Capital One website or mobile app, eligible cardholders will remain at upgraded status level through December 31, 2024. Please note, enrolling through the normal Hertz Gold Plus Rewards enrollment process (e.g. at Hertz.com) will not automatically detect a cardholder as being eligible for the program, and cardholders will not be automatically upgraded to the applicable status tier. Additional terms apply.

You want some of the best travel protection benefits

This Visa Infinite card offers some of the industry's most comprehensive travel and trip protection benefits.

That includes trip cancellation and interruption insurance , trip delay reimbursement , lost luggage reimbursement, cellphone protection , rental car protection , purchase protection , extended warranty protection and return protection .

Who shouldn't get the Venture X?

While the Venture X is an impressive, high-end card, it isn't for everyone. Let's take a closer look.

You want a robust network of premium lounges right now

The Venture X offers extensive travel perks, but thus far, it has just three proprietary airport lounges open.

Indeed, while Capital One has grand ambitions with its own lounge network, Amex has a significant head start with Centurion Lounges at more than 20 airports, as well as the Global Lounge Collection , which includes Priority Pass and Delta Sky Clubs (when flying on the same day with Delta).

Therefore, certain flyers who often hit the lounge might prefer a card like The Platinum Card® from American Express .

You don't travel much or plan to leverage transfer partners

To truly maximize the Venture X card, you should consider leveraging Capital One's transfer program.

Capital One has made several significant advancements to its mileage program over the past few years, including shifting from just fixed-rate redemptions to adding airline and hotel transfer partners and improving mileage transfer rates. If you don't use transfer partners, the best you can do is a redemption rate of 1 cent per mile.

However, by utilizing transfer partners, there are several sweet spot redemption opportunities , allowing you to further maximize value with your Venture X.

Bottom line

The Capital One Venture X Rewards Credit Card is an excellent option for those in the market for a premium credit card with easy-to-digest benefits. However, for those looking for a card with better lounge access or who don't need the flexibility of airline and hotel transfer partners, there may be better options out there.

That said, we think the card is nearly a no-brainer for travelers ranging from luxury seekers to the more budget-minded.

Learn more in our full review of the Venture X .

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.