Capital One Venture X Rewards review

Capital One Venture X Rewards sits between mid-tier and luxury cards on price. Its $395 annual fee is less than half of what Chase and American Express charge for their top cards, yet primary cardholders still get Capital One Lounge and Landing locations plus more than 1,300 Priority Pass lounges worldwide. Earning is simple: 2x miles on every purchase, rising to 5x on flights and vacation rentals and 10x on hotels and rental cars booked through Capital One Travel. Miles can cover travel purchases, book trips in the portal or move to 15+ airline and hotel loyalty programs. Premier Collection hotel bookings add a $100 experience credit and daily breakfast for two, and the card adds cell phone protection up to $800. The trade-off is that the best value depends on using Capital One Travel, and the card page does not list which programs accept transfers, so check the partner list before you commit miles.

Who it is for

Frequent flyers who want lounges for under $400

Price

$395 annual fee.

Annual Fee $395 Purchase Rate 19.74% - 28.74% variable APR
Quoted from the vendor pricing page on November 12, 2026.

Key features

• 10x miles on hotels and rental cars booked through Capital One Travel
• 5x miles on flights and vacation rentals booked through Capital One Travel
• 2x miles on all other purchases
• Primary cardholders get Capital One Lounge and Landing access plus 1,300+ Priority Pass lounges
• Miles transfer to 15+ travel loyalty programs

Strengths and weaknesses

• Strength: Flat 2x on every purchase outside the travel portal
• Strength: Cell phone protection up to $800 when you pay your bill with the card
• Strength: No foreign transaction fees and miles do not expire for the life of the account
• Weakness: Lounge access listed for primary cardholders
• Weakness: Capital One does not name its transfer partners on the card page
• Weakness: The highest earn rates require booking through Capital One Travel

Key facts

• Annual fee: $395
• Base earn: 2x miles on all purchases
• Lounges: Capital One Lounges plus 1,300+ Priority Pass
• Transfer partners: 15+

Where it ranks

Capital One Venture X Rewards is No. 1 in our Best Travel Credit Cards verdict.