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card art for the Capital One Venture X Rewards Credit Card

Capital One Venture X Rewards Credit Card

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

The Capital One Venture X Rewards Credit Card is one of the best premium travel cards, given the travel perks and overall simplicity. The card does have a hefty annual fee, but the credits, anniversary miles, and perks easily outweigh this for most people.

Read the full review
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Humphrey's Take

The Capital One Venture Card offers a $300 travel credit, 10,000 bonus miles every anniversary, and up to a $100 Global Entry or TSA PreCheck® credit. With airport lounge access for you and 2 guests per visit at over 1,400 lounges worldwide, this is a great card for frequent travelers.

You can also add up to 4 authorized users for free, and each user gets airport lounge access and their own Priority Pass card.

Other perks include Hertz President Circle status and travel benefits like trip and baggage insurance.

Capital One Venture X Rewards Credit Card Calculator

Cardonomics calculates the expected value of the The Capital One Venture X Rewards Credit Card based on the information you provide. The expected value is calculated based on the dollar value you input into the calculator.

The default figures in the calculator are just an example, so you should enter your own information for more accurate results. The methodology for this calculator is explained at the bottom of the post.

The Capital One Venture X Rewards Credit Card Intro Offer

Are you eligible for the intro offer? You are not eligible if you have or have had the card (even without getting the bonus).

Are you able to complete $4,000 of spend in the first 3 months?

The current public offer is 75,000. What bonus are you considering?

miles

miles earned from intro offer:

0

Credits: How Do You Value Them?

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$300 Annual credit for bookings through Capital One Travel.
$

The Capital One Venture X annual fee is $395.

Given how you value the credits, your effective annual fee is: $95

Miles Multipliers: Category Spend

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Hotels & rental cars booked through Capital One Travel (10X miles)
$
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Flights booked through Capital One Travel (5X miles)
$
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All other purchases
$

Yearly miles earned from spend breakdown:

10X Hotels & rental cars60,000 Miles
5X Flights30,000 Miles
2X All other purchases4,800 Miles
Total miles earned per year:94,800 Miles

Other Perks and Benefits: How do you value them?

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Capital One Lounges
$
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Plaza Premium Lounges
$
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Priority Pass lounges
$
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Access to the Capital One Premier Collection hotels
$
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Hertz President's Circle status
$
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Ability to add up to 4 authorized users who have lounge perks
$
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Other benefits (Cell phone insurance, travel protections, etc.)
$

Value of other perks and benefits:

Airport perks$200
Hotel perks$0
All other benefits$0
Total value:$200

How do you plan on redeeming points?

Capital One gives you many ways to redeem your miles. Here are some common examples:

  • Miles are denoted as CPM = "cents per mile"

Given how you value miles...

Value of miles from intro offer:$0
Value from category spend:$0
Total value of miles:$0
Value of anniversary bonus miles:
$0

Expected Value of Miles

(Intro offer + credits + spend - annual fee)

$0

Additional disclosures:

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.

Hertz benefit: 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.

Calculation Methodology

The calculator's results are determined by several factors, including your ability to meet the minimum spending requirement to earn the welcome offer, spending habits in different categories, point redemption strategy, and how much relative value you place on other benefits.

The "Years" in the calculator refer to the cardmember year, which begins when you are approved for the card. The first year of membership is the first 12 months after approval, and the second year is the 12 months following that.

card art for the Capital One Venture X Rewards Credit Card

Capital One Venture X Rewards Credit Card

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

The Capital One Venture X Rewards Credit Card is one of the best premium travel cards, given the travel perks and overall simplicity. The card does have a hefty annual fee, but the credits, anniversary miles, and perks easily outweigh this for most people.

Read the full review