With its longer list of perks — and a $395 annual fee — the new Capital One Venture X Rewards Credit Card is taking a seat at the table with other big players in the premium travel rewards credit card market. Here’s what you’d get with this card:
Welcome offer and ongoing rewards:
- 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.
- Earn 2 miles per dollar spent on purchases.
- Earn 5 miles per dollar on flights booked through Capital One Travel.
- Earn 10 miles per dollar on hotels and rental cars booked through Capital One Travel.
- Earn 10,000 bonus miles every account anniversary (equal to $100 towards travel).
Travel benefits:
- Up to a $300 credit annually for bookings made on Capital One Travel.
- Primary cardholders and authorized users get unlimited access to Capital One Lounges (along with 2 guest passes). Also, cardholders, authorized users and guests can access participating Priority Pass and Partner Network lounges worldwide.
- Up to $120 in statement credits toward the cost of TSA PreCheck or Global Entry.
- Extra perks when you book a hotel stay through Capital One's Premier Collection like an $100 experience credit, daily breakfast for two people and complimentary WiFi.
- Access to entertainment, sports and dining events through the Capital One Experiences program.
- Complimentary Hertz President’s Circle status.
Redeem miles toward Capital One Travel bookings, or toward recent travel purchases, at a value of 1 cent per mile. You can also transfer miles to partner airline and hotel loyalty programs.
That’s a substantial increase in benefits compared to the Capital One Venture Rewards Credit Card, though that card charges a more modest $95 annual fee. Here’s how the Capital One Venture X Rewards Credit Card compares to other cards in its league.
🤓 Nerdy Tip
Beginning Feb. 1, 2026, Capital One is limiting lounge access on its Venture X cards. Primary cardholders will still have full access to lounges. But the Capital One Venture X Rewards Credit Card and Capital One Venture X Business will no longer have complimentary guest access at Capital One Lounges or Capital One Landings. The Capital One Venture X Rewards Credit Card will also lose guest access at Priority Pass lounges. Authorized users will also lose complimentary guest access to all lounges. 
Chase Sapphire Reserve®
Annual fee: $795.
Rewards:
- 8 points per dollar on all travel booked through Chase.
- 4 points per dollar on flights and hotel stays booked directly with airlines.
- 1 point per dollar on all other travel.
- 1 point per dollar on all other purchases.
- You don’t earn points on travel purchases until you receive the full $300 travel statement credit.
Travel benefits:
- $300 in statement credits automatically applied to travel purchases, which include airlines, hotels, timeshares, car rentals, cruises, travel agencies, discount travel sites, campgrounds, trains, buses, taxis, limousines, ferries, toll bridges and highways, and parking lots and garages.
- Transfer points to airline and hotel partners at a 1:1 value.
- Reimbursement for the application fee for NEXUS, TSA PreCheck or Global Entry.
- Complimentary Priority Pass Select airport lounge membership. Chase Sapphire airport lounges are in the works, too.
- Trip delay reimbursement.
- Trip cancellation or interruption insurance.
Sign-up bonus: Earn 100,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
APR: The ongoing APR is 19.49%-27.99% Variable APR.
How it compares with the Capital One Venture X Rewards Credit Card: The Chase Sapphire Reserve® offers a long list of extras that help offset the $795 annual fee. It also has two distinct advantages: Points could be worth more when you redeem them for travel through Chase, and the annual travel statement credit isn’t limited to travel booked a certain way. If you carry other cards that earn Chase Ultimate Rewards points, like the Chase Freedom Flex®, you can transfer those points to your Chase Sapphire Reserve® to get a potentially higher redemption rate for travel.
American Express Platinum Card®
Annual fee: $895.
Rewards:
- 5 Membership Rewards points per dollar spent on flights booked directly with airlines or through American Express, on up to $500,000 spent per year.
- Earn 5 points per dollar on prepaid hotels booked through American Express.
- Earn 2 points per dollar on other eligible travel expenses booked through American Express.
- Earn 1 point per dollar on all other purchases.
- Terms apply.
Statement credits:
- $200 annual statement credit for airline incidental fees for a single airline you choose when you enroll; you can change airlines once a year.*
- $600 annual statement credit for prepaid The Hotel Collection® (two-night minimum stay required) and Fine Hotels and Resorts® bookings through American Express.
- $200 a year for Uber, issued as monthly credits when you enroll and use the card to pay for purchases. Receive $15 each month and $35 in December. Credits are good for rides or Uber Eats orders in the U.S. Plus, up to $120 in Uber credit toward the membership fee when you purchase an auto-renewing Uber One Membership with your card.
- Fee credit for either Global Entry or TSA PreCheck.
- Annual statement credit towards a CLEAR+ membership when you enroll.
- $155 annual statement credit for Walmart+ in the form of $12.95 each month.
- $300 annual statement credit toward Equinox memberships or Equinox+. Enrollment required.
- $300 annual digital entertainment credit when you enroll — up to $25 back per month — toward Disney+, a Disney+ bundle, ESPN+, Hulu, The New York Times, Peacock and The Wall Street Journal subscriptions.
- $400 Resy credit and Resy Platinum Nights, up to $100 per quarter, when you make eligible Resy purchases.
- $300 lululemon credit, up to $75 per quarter, when you make eligible lululemon purchases in the U.S., in stores or online. Enrollment required. Terms apply.
- $200 Oura credit each calendar year when you buy an Oura Ring through ouraring.com.
- Enrollment required. Terms apply.
Other benefits:
- Access to Centurion Lounges, International American Express lounges, 10 visits to Delta Sky Clubs per year when flying Delta, participating Priority Pass Select lounges (enrollment required), and lounges in the Plaza Premium, Escape and Airspace networks. (You can get unlimited visits to Delta Sky Clubs if you spend $75,000 each year.)
- Marriott Bonvoy Gold Elite, Hilton Honors Gold and Leaders Club Sterling Status. Enrollment required.
- Book a stay of at least two nights at select The Hotel Collection® properties and you'll get an automatic upgrade, if available, and a $100 credit for dining, spa, resort or other activities at the hotel.
- Book a stay at a Fine Hotels and Resorts® location and get automatic room upgrades, if available, early check-in, late checkout, complimentary breakfast, free Wi-Fi and amenities unique to each property.
- Get special access to reservations and events through Global Dining Access by Resy when you add your card to your Resy profile.
- Terms apply.
Welcome bonus: You may be eligible for as high as 175,000 Membership Rewards® Points after spending $12,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer. Terms apply.
APR: See Pay Over Time APR.
How it compares with the Capital One Venture X Rewards Credit Card: As the massive list above makes clear, the American Express Platinum Card® (see rates and fees) throws everything but the kitchen sink at cardholders, which certainly helps make up for that hefty annual fee. But these statement credits don’t exactly save you money; they merely shave a small amount off the cost of luxury goods and services. If you’re a frequent traveler who prefers high-end experiences, however, the American Express Platinum Card® delivers. One downside to note is that booking prepaid hotels with Membership Rewards points on travel booked through American Express yields a value of 0.7 cents per point, compared to the 1 cent per point you’d get booking a hotel with Capital One miles through Capital One Travel.
To view rates and fees of the American Express Platinum Card®, see this page.
Insurance Benefit: Trip Delay Insurance
- Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period.
- Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.
- Please visit americanexpress.com/benefitsguide for more details.
- Underwritten by New Hampshire Insurance Company, an AIG Company.
More from Capital One:
Hertz President's Club status:
Upon enrollment, accessible through the Capital One website or mobile app, eligible cardholders will remain at that status level through the duration of the offer. 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.
Upon enrollment, accessible through the Capital One website or mobile app, eligible cardholders will remain at that status level through the duration of the offer. 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.
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.
*More from American Express
American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details
