Card economics
Capital One Venture X
Annual fee
$395/yr
Foreign transaction fee
None
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Welcome offers change frequently — check the issuer's page for the current offer.
Earn rates
Points or cash back earned per dollar spent. 'x' means points multiplier, '%' means cash back percentage. Portal-only rates require booking through the issuer's travel portal.| 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
Benefits not in the math
Perks whose value depends on how you travel — lounges, free bags, status. The optimizer counts them only when a Premium perk-value profile assigns them a dollar value, once per wallet; with no profile they are worth $0 in every figure.Airport lounge access
Capital One Lounges and Landings for the primary cardholder plus Priority Pass; authorized users pay $125/yr for lounge access since 2026-02-01.
Issuer sourceCounted at $0 unless you assign a value in a Premium perk-value profile.
Fee calculator
The effective fee is the annual fee minus credits you'll actually use. A $550 card with $400 in usable credits has an effective fee of $150. Adjust credit values based on how much you'll realistically use.Sticker Fee
$395/yr
Credits
-$430
Effective FeeWhat you actually pay after subtracting credits you use. This is the real cost of holding the card — the number that matters for optimization.
$0
Credits are counted up to the fee: the effective fee never goes below $0, so credits worth more than the fee do not make it negative.
Credits & Benefits
Adjust each credit's value based on how much you'll realistically use. 'Easy' credits are straightforward to use (dining, streaming). 'Conditional' credits may require specific merchants or booking methods.Max: $300/yr · annual
Applied at checkout to Capital One Travel purchases; you must book through the portal. Rewards are not earned on the credited amount, and each annual credit expires on the next account open date anniversary.
Max: $100/yr · annual
10,000 miles deposited annually (valued at ~$100 with transfers). Automatic.
Max: $30/yr · counted per year; renews every 4 years
Up to $120 every 4 years for Global Entry or TSA PreCheck (~$30/yr effective). Statement credit.
Max: $100/yr · annual
Up to $100 hotel experience credit on every Premier Collection stay booked through Capital One Travel (up to $50 on Lifestyle Collection stays); repeats per stay. Modeled as one stay.
Adds this card to your current wallet and keeps your spending. Premium uses your edited credit values; Free uses conservative defaults. The optimizer may recommend a different wallet.
Catalog record last reviewed Oct 11, 2026; see the Corrections page for later changes. 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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