I’ve used the Venture X for flights, hotels, rental cars, and everyday purchases — here’s how it performed and whether it’s worth the $395 annual fee.
Luana Ribeiro · July 10, 2025 · 3 minutes
When I signed up for the Capital One Venture X Rewards Credit Card, I was aiming for the 75,000 bonus miles after spending $4,000 in the first 3 months. That bonus alone paid for a round-trip international flight. But the real test came after the honeymoon phase.
The $300 annual travel credit through Capital One Travel was easy to use.
I booked a hotel, the credit was applied instantly, and just like that, the real cost of the card dropped from $395 to $95.
I get 10,000 miles every year just for renewing the card — that’s $100 in travel value.
Between the travel credit and anniversary bonus, I already break even — and that’s before even using lounge access or earning more miles.
The lounge access is where this card really shines.
I’ve been in Capital One Lounges (they’re modern and well-stocked) and countless Priority Pass lounges.
Having a quiet, clean place to wait for my flight — with food, drinks, and Wi-Fi — makes a big difference.
I also earn 10x miles on hotels and rental cars, 5x on flights, and 2x on everything else. It’s one of the highest flat-rate earners I’ve used.
I’ve redeemed points through Capital One Travel and also transferred them to partners like Air Canada and Turkish Airlines for outsized value.
Some premium cards charge $600+ annually and offer similar perks.
I genuinely feel like the Venture X gives me 90% of the luxury for about half the price.
Whether I’m flying economy or business, domestic or international — the Venture X has become my go-to card for all things travel.
You get 75,000 miles after spending $4,000 within the first 3 months of opening your account. That’s worth $750 or more toward travel.
You get a $300 travel credit through Capital One Travel and 10,000 anniversary miles annually, which more than offset the $395 annual fee.
Yes — you get unlimited access to Capital One Lounges and over 1,300 Priority Pass lounges worldwide.
Absolutely. You earn up to 10x miles, and you can redeem them for travel or transfer to Capital One’s airline and hotel partners for potentially higher value.
No — the Venture X has no foreign transaction fees, making it great for international travel.
Luana Ribeiro
I'm Luana Ribeiro, a 24-year-old from São Paulo, Brazil. I have a degree in Psychology, but I currently work as a writer and head of content at Cashflowlr. My job is to turn ideas into engaging, clear, and relevant content. I specialize in strategic communication, copywriting, and SEO. I’m skilled at adapting language to different audiences and niches, always aiming to create value and connection through words. Organized and passionate about writing, I continue to grow in the content field, constantly learning and crafting texts that inform, inspire, and communicate with purpose and authenticity.
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