Card economics
Capital One Venture X
Annual fee
$395/yr
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Welcome offers change frequently — check the issuer's page for the current offer.
Earn rates
| Category | Rate |
|---|---|
| Capital One Travel - Hotels | 10xPortal only |
| Capital One Travel - Rental Cars | 10xPortal only |
| Capital One Entertainment | 5x |
| Capital One Travel - Flights | 5xPortal only |
| Capital One Travel - Vacation Rentals | 5xPortal only |
| Capital One Travel - Activities | 5xPortal only |
| Everything else | 2xBase rate |
Transfer partners: Capital One Miles
Fee calculator
Sticker Fee
$395/yr
Credits
-$400
Effective Fee
$0
Credits & Benefits
Max: $300/yr · annual
Auto-applied to Capital One Travel purchases. Must book through their portal.
Max: $100/yr · annual
10,000 miles deposited annually (valued at ~$100 with transfers). Automatic.
Catalog record last reviewed Aug 2, 2026. Issuer terms and available offers control and may change.
Next step
One card is a start. The modeled setup is the whole wallet.
The Capital One Venture X might be useful on its own, but the modeled combination depends on your total spending. The optimizer searches eligible portfolios and clearly labels whether the result was proven optimal within that run's inputs or is the strongest valid setup found before timeout.
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