Credit card · issued by Capital One
Capital One Venture X Rewards
Among the 9 credit cards we track, it ranks 2nd by annual fee.
Capital One
Capital One Venture X Rewards
What this card costs
- Annual fee
- $395
Lower than 1 of the 41 cards we track
$0 – $795
- Regular APR
- 19.49%–28.49%Run 28.49% in the calculator
Lower than 2 of the 39 cards we track
14.99% – 28.99%
- Credit score
- Not verified yet
Figures read on Capital One's own page on 2026-08-03. Terms change without notice — see the source.
Our take
By Victor Gil Vazquez · Reviewed 2026-08-21
$395 for lounge access and an annual travel credit. Half the price of Chase Sapphire Reserve, and the same instruction applies: price the credits before you apply.
The fee, priced against the alternative
$395 makes this the second most expensive card in this catalog, behind Chase Sapphire Reserve at $795. The $400 gap between them is the frame for the whole decision: both are premium travel cards built around credits, lounge access and elevated earning, and one costs half as much.
The card carries an annual travel credit and Priority Pass lounge access. Our catalog verifies the fee and the earning structure, not the credit amounts, so the arithmetic has to be done from Capital One's own disclosure. The rule is the same as with any premium card: write down the credits you will actually use, total them, and compare to $395. If the total needs optimism to clear the fee, it doesn't clear the fee.
The earning structure is the reassuring part
Venture X earns unlimited miles on every purchase with elevated rates on hotels and rental cars through Capital One Travel. That flat structure is the same one that makes Venture easy to evaluate, and it means the card doesn't quietly earn 1x on most of your spending the way several premium cards in this catalog do.
APR is 19.49% to 28.49%, identical to Venture's. A $395 card carrying a balance at 28.49% is an expensive mistake compounding on itself, which is worth saying plainly on a card sold on travel benefits.
The base rate is the same one four cards here give you free
Outside the Capital One Travel portal this card earns 2x on everything. Citi Double Cash, Wells Fargo Active Cash, PNC Cash Unlimited and TD Double Up all pay 2% on everything with no annual fee at all. On ordinary spending, then, the $395 buys you nothing the free cards do not already give.
That is not a criticism so much as a clarification of what the fee is for. It buys the 10x inside the portal, lounge access and an annual travel credit — the last two being benefits this catalog does not verify. Everything outside those is a 2x you could have for nothing.
Where $395 sits, and what has to be true
It is the second-highest fee here, between the $95 group and Chase Sapphire Reserve's $795. The 10x portal rate ties with Citi Strata Premier for the highest in this catalog, but Strata Premier charges $95 for its 10x — so on the portal multiple alone, the cheaper card matches this one.
The difference has to come from the travel credit and the lounge access, and the honest position of this page is that we have not verified either. If your travel is frequent enough that a credit and a lounge are worth $300 a year over the Strata Premier, the card makes sense. If they are not, the same portal rate is available four hundred dollars cheaper.
The base rate is the same one four cards here give you free
Outside the Capital One Travel portal this card earns 2x on everything. Citi Double Cash, Wells Fargo Active Cash, PNC Cash Unlimited and TD Double Up all pay 2% on everything with no annual fee at all. On ordinary spending, then, the $395 buys you nothing the free cards do not already give.
That is not a criticism so much as a clarification of what the fee is for. It buys the 10x inside the portal, lounge access and an annual travel credit — the last two being benefits this catalog does not verify. Everything outside those is a 2x you could have for nothing.
Where $395 sits, and what has to be true
It is the second-highest fee here, between the $95 group and Chase Sapphire Reserve's $795. The 10x portal rate ties with Citi Strata Premier for the highest in this catalog, but Strata Premier charges $95 for its 10x — so on the portal multiple alone, the cheaper card matches this one.
The difference has to come from the travel credit and the lounge access, and the honest position of this page is that we have not verified either. If your travel is frequent enough that a credit and a lounge are worth $300 a year over the Strata Premier, the card makes sense. If they are not, the same portal rate is available four hundred dollars cheaper.
What stands out
- Unlimited miles on every purchase, not 1x outside bonus categories.
- Priority Pass lounge access and an annual travel credit.
- $395 is half the fee of the only more expensive card in this catalog.
- Same APR range as the $95 Venture — the higher fee buys benefits, not a worse rate.
What to watch
- $395 a year, the second-highest fee in this catalog.
- The credit amounts that justify the fee aren't verified in our data. Price them yourself first.
- Elevated hotel and car rates are tied to Capital One Travel.
- APR to 28.49% — a carried balance on a $395 card compounds two mistakes at once.
- Best for
- A frequent traveler who will use lounge access and the full travel credit, and can total both to more than $395.
- Look elsewhere if
- You travel occasionally — the $95 Venture earns 2x on everything with no credits to remember.
This section is our own assessment, written from the verified figures further down this page. It is not a recommendation, and no institution has any influence over it — see the advertiser disclosure and editorial policy.
Rewards and welcome bonus
Unlimited miles on every purchase, elevated rates on hotels and rental cars booked through Capital One Travel, airport lounge access via Priority Pass, annual travel credit
What kind of card this is
- Travel & miles
Fees, APR and the fine print
$395 annual fee · 19.49%–28.49%
- Annual fee
- $395
- Regular APR
- 19.49%–28.49%
- Foreign transaction fee
- Not verified yet
- Credit score the issuer asks for
- Not verified yet
What we like, and what to watch
Unlimited miles on every purchase, elevated rates on hotels and rental…
- Unlimited miles on every purchase, elevated rates on hotels and rental…
- $395 annual fee every year
Every line above is derived from a figure the issuer publishes — never a claim of our own. How we rank and verify everything.
Before you decide, three more
Other Capital One cards and the closest matches to this one.
- Illustration of Capital One Savor.
Capital One
Capital One Savor
Capital One
Capital One Savor
$0 annual fee
- Illustration of Capital One Venture Rewards.
Capital One
Capital One Venture Rewards
Capital One
Capital One Venture Rewards
$95 annual fee
- Illustration of Capital One Quicksilver Student.
Capital One
Capital One Quicksilver Student
Capital One
Capital One Quicksilver Student
$0 annual fee
Your figures
Set your figures once — every button below opens the calculator with them and that card's published APR already in.
Kept in this browser only — never sent to us, and not in any analytics event. They travel in the link you click, to financeinyourpocket.com.
Bank Compass is not a bank, is not FDIC-insured, does not provide financial advice, and is not affiliated with the entities compared unless otherwise noted. Rates and terms change — always verify on the bank's official website.
Related reading
A card is cheap or expensive depending on one thing: whether the balance survives the month. These explain what happens either way.
- Is the Annual Fee Worth It? The Honest TestNot what the benefits page says the perks are worth. What you actually claimed last year, in dollars…Guide · 5 min read
- Cash Back or Travel Points: Which One Fits How You Actually SpendCash back is worth exactly what it says. A point is worth whatever you can redeem it for, which is a…Guide · 5 min read
- How Credit Card APR Actually Works (And How to Make It Irrelevant)Your card's APR is an annual rate, but it is charged daily on whatever balance you carry past the due…Guide · 5 min read
- What Happens If You Only Pay the Minimum on a Credit CardThe minimum payment is not a suggested payment. It is the smallest amount that keeps your account in…Guide · 4 min read
Run the numbers
An APR is a percentage until it has a balance next to it. These put one there.
- Credit Card Payoff CalculatorSee how long paying only the minimum really takes, and how much an extra $50 or $100 a month saves.
- Debt Payoff CalculatorCompare the debt avalanche and debt snowball strategies to see which pays off your debts faster and cheaper.
- 50/30/20 Budget CalculatorSplit your income into needs, wants, and savings using the 50/30/20 rule.
Free and no sign-up, on financeinyourpocket.com — our sister site.