Venture X
Authorized users are free to add, but since 2/1/2026 each AU needs a $125/yr lounge-access add-on (up to 4 AUs) to use lounges.
Credits 3
Every statement credit on this card, how often it comes back and when it resets. Together they’re worth up to $330 a year in cash credits, not counting ones you unlock by spending, points or free nights.
Every year
Up to $300 each account year, taken off at checkout on Capital One Travel bookings (flights, hotels, rental cars, vacation rentals); it can be split across bookings, earns no miles, comes back if the booking is canceled before it lapses, can't be used when a Premier or Lifestyle hotel is booked as pay at hotel, and expires at the next account anniversary.
10,000 bonus miles posted each account anniversary starting at the first anniversary; ~$100 at 1 cent/mile toward travel (more via transfer partners).
Every few years
Statement credit up to $120 for the Global Entry or TSA PreCheck application fee charged to the card; one credit per account every 4 years.
Perks 10
Benefits you use rather than credits that post to your statement.
Unlimited visits for the primary cardholder; since 2/1/2026 guests cost $45 (18+) or $25 (ages 2-17), under 2 free. Spending $75,000 in a calendar year across the account unlocks 2 free guests per visit for that year, the next year and January of the year after; authorized users need the $125/yr lounge add-on.
Primary cardholder access to Capital One Landing spaces; guests charged at the same rates as Lounges unless the $75k spend threshold is met (then 1 free guest).
Enrollment required; unlimited visits for the primary (and AUs who pay the $125/yr add-on); since 2/1/2026 no free guests - $35 per guest, even with $75k spend.
Complimentary Hertz Gold Plus Rewards President's Circle status; enroll via the card's Benefits tab.
On Premier Collection hotels booked through Capital One Travel: up to a $100 experience credit, daily breakfast for two and Wi-Fi, plus a room upgrade, early check-in and late checkout when available; Premier vacation rentals get a $100 experience credit, Wi-Fi and early check-in/late checkout when available.
On Lifestyle Collection hotels booked through Capital One Travel: up to a $50 experience credit and Wi-Fi, plus a room upgrade, early check-in and late checkout when available; Lifestyle vacation rentals get a $50 experience credit, Wi-Fi and early check-in/late checkout when available.
Book 4+ consecutive nights at a participating Premier or Lifestyle Collection hotel through Capital One Travel and the cheapest night is free; it only applies when the offer shows at booking and blackout dates may apply.
Half off an Enthusiast membership to The Cultivist (free entry to 80+ museums worldwide) for up to two years; enrollment required, and it renews automatically unless canceled.
One-time complimentary 6-month premium subscription to the Vinous wine ratings service after enrolling through the Capital One link.
Complimentary PRIOR subscription (travel guides, newsletters and early booking for cardholder trips) for cardholders who enrolled; it runs through Nov 30, 2026, and the issuer has since taken down its page for this perk, so new sign-ups may be closed.
Also included
- No foreign transaction fees
- Cell phone protection (up to $800/claim, $50 deductible) when paying the phone bill with the card
- Primary rental car collision damage waiver
- Trip delay reimbursement (6+ hrs or overnight, up to $500) plus trip cancellation/interruption and lost luggage coverage
- Transfer miles to 15+ airline/hotel partners
Before you apply
Capital One’s application rules, as reported by people who applied. Banks don’t publish most of these. All banks’ rules
Capital One tends to approve one new Capital One card, personal or business, every 6 months. Capital One has no published 2/24 rule; this is the closest consistent pattern. Applying sooner often ends in a denial for too many recent Capital One accounts. Recent cards at other banks can also hurt your odds.
Capital One used to cap people at 2 of its own personal cards. Many people now have more. A third personal Capital One card may be declined.
Never miss one of these credits
Add the Venture X to Premium IC, our free app. It lists each credit with a checkbox, reminds you before they expire and shows whether the card earned its fee. Free.
Related cards
Last checked Oct 16, 2026. Spot something out of date? Tell us.