Venture X Rewards

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Score Needed: Excellent

Venture X Rewards

At a glance

Welcome Offer

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

Limited Time Offer

New Offer

All time high

Rewards

10X Miles on rental cars booked through Capital One Travel

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Points on other purchases

Intro APR

N/A

Balance Transfer Intro

N/A

Regular APR

Annual Fee

$395

Venture X Rewards

The Capital One Venture X Rewards card gives you 2X miles on every purchase, every day. Earn 10X miles on hotels and rental cars and 5X miles on flights booked through Capital One Travel. Enjoy easy redemption with 17+ travel partners like Aeroplan, Emirates, and Virgin Red. Perfect for travelers wanting maximum rewards without complexity.

Application Tips

Get the best results with each application

Application Pending? Check your status by calling 1-800-903-9177 or 1-877-277-5901. Sometimes, all they need is a quick verification.

Thinking About 2 Cards?

Application Declined? If declined you can call 1 800 625 7866 to be reconsidered (Capital One will usually only reconsider an application due to application error

Approval Rules: Capital One allows a maximum of 2 personal branded cards. Generally, you can be approved for one personal card every 6 months, though this rule may have some flexibility.

Limit Increase

Credit Inquires

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Experian (personal cards) or Transunion (business cards) - If you freeze your Experian report they will pull your TransUnion and Equifax credit report for personal cards as well.

Application Inquires

Welcome Offer Eligibility:

Downgrade Options

You can downgrade the Capital One Venture X Rewards Credit Card card to either the Capital One Venture Rewards Credit Card ($95) or to the Capital One VentureOne Rewards Credit Card ($0)

Getting your card

Rescore your report: Some have been successful in getting a balance update off cycle with Capital One by requesting a supervisor to submit an off-cycle request.

When applying for a new credit card, keep your balances below 10% of your limit on each existing card. Pay down balances and wait for each card's closing date, avoiding new charges. Some banks let you update balances anytime by phone, and Chase will automatically report a $0 balance after payment.

Card Benefits

Card holder benefits

As a card member, you have access to a wide range of benefits that come included with your membership. Take a look.

Reward Terms

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Lounge Access

Enjoy unlimited access for you and 2 guests to 1,300+ lounges worldwide from Priority Pass™ and Plaza Premium Group.

Extra Redemption Value

Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—plus transfer miles to your choice of 15+ travel loyalty programs.

Upgraded Statuses

Skip the rental counter and enjoy the widest selection of cars with a complimentary upgrade.

Global Entry and TSA Pre-check

Receive up to a $100 credit for Global Entry or TSA PreCheck®.

Cell Phone Protection

Protect your cell phone every time you pay your bill with your Venture X card. If it’s stolen or damaged, you’ll get reimbursed up to $800.

Anniversary Bonus

Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary.

Auto CDW Insurance

Get reimbursed for damage or theft when you pay for a rental car with the Venture X card.

Credits

Receive an annual $300 credit for bookings through Capital One Travel.

Credits

Enjoy a $100 experience credit, daily breakfast for 2 and other premium benefits, plus earn 10X miles on hotel stays booked through Capital One Travel.

Credits

Unlock premium benefits with every stay, like a $50 experience credit, room upgrades when available and more. Plus, earn 10X miles on hotel stays booked through Capital One Travel.

Access extraordinary travel experiences, destination guides and more with a complimentary PRIOR Subscription (a $149 value).

Unlock the world of art. Get access to over 60 of the world’s best museums with a 6-month complimentary Enthusiast membership to The Cultivist (a $220 value).

Extra Redemption Value

Cardholders enjoy access to exclusive reservations at award-winning restaurants and tickets to unforgettable culinary experiences.

Miscellaneous Benefits

Cardholders can experience events across, music, sports and dining with exclusive access to pre-sales, tickets and more.

Lounge Access

Escape the airport crowd by visiting our all-inclusive Lounges—enjoy unlimited complimentary access for you and 2 guests per visit.

Rewards redemption

Redeem your spending bonus

How to Redeem your valuable credits

Cash Redemption

Travel Redemption

Transfer your to any of the following Capital One Travel Partners.

Points Transfer Partners

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Fees

Fees you may encounter as a cardmember

See Rates and Fees

Balance transfer Intro Offer

N/A

Balance transfer Fee

Balance transfer Terms

Foreign Transactions

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Why We Like it

Considerations

More questions? More answers.

Can I shift a credit limit from a card held by my partner to one of my cards if we are part of the same business?

No, you cannot transfer credit limits between different individuals' accounts, even if they are within the same business.

What is the minimum remaining credit limit required to transfer balances between Amex cards without being declined?

You must leave a minimum of $1,000 on the card you are transferring from if you want to keep both cards open.

I paid my balance and it no longer shows on my credit report but I still got denied for an Amex card due to a high balance. How can that be?

For existing customers, Amex doesn’t usually pull a new credit report. They base the decision on a credit report they get through the monthly soft pull they do for all cardholders, which can be up to 30 days ago. Unfortunately, there is no way to get Amex to pull a new report. On the letter you receive from Amex, it will tell you which date the report was pulled. I would advise you to reapply 30 days later.

Additional resources