Capital One Venture X

Annual Fee:

  • $395
  • No fee for up to 4X Authorized Users

Points Earning:

  • 10X miles on hotels & rental cars booked through Capital One Travel
  • 5X miles on flights booked through Capital One Travel
  • 2X miles on all other purchases

Perks & Benefits:

  • $300 Annual Travel Credit per cardmember year
  • 10K Miles Anniversary Bonus
  • $100 Global Entry or TSA PreCheck® Credit
  • Lounge Access
    • Capital One Lounges
    • Priority Pass Lounges
    • Plaza Premium Lounges
  • Miles can be transferred out to partner airlines and hotel
  • VISA Infinite travel protections

My Thoughts:

  • The Venture X is by far the easiest travel credit card to use and get positive value.
  • There’s no jumping through hoops/tracking monthly credits/figuring out what codes properly for reimbursement, etc. Simply use the Capital One Travel portal and $300 Annual Travel Credit is automatically applied.
  • The 10K Miles Anniversary Bonus is worth at a minimum $100 if used through the Capital One Travel portal and potentially more if transferred to a partner airline/hotel.
  • Capital One has a strong base of partner airlines to which you can transfer miles including my favorite transfer program – Air Canada Aeroplan.
  • Their hotel partners are weak IMO with just Accor Live Limitless, Choice Privileges, and Wyndham Rewards.
  • 2X miles on all purchases outside the Capital One Travel portal is better than all other premium travel credit cards.

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