If you’re like me, you’re always on the lookout for ways to make your adventures more affordable and enjoyable. That’s why I collect points and miles. They help me travel longer, better, and cheaper.
Today I want to talk about a card that’s been growing in popularity over the past few years: the Capital One Venture X Rewards Credit Card. It’s designed for travelers who want to easily rack up miles without having to keep track of bonus categories.
And, in the past couple of years, they have really improved the card. It’s one of the main cards I use now because I love their travel portal, their transfer partners, and all the perks that come with the card.
With a hefty sign-up bonus, premium travel benefits, and an impressive rewards structure, the Venture X is worth considering if you’re looking for a new card. Here’s everything you need to know about the card and why I think you should consider getting it:
The Capital One Venture X Rewards Credit Card is a travel rewards card issued by Capital One. What I love about this card is its miles system. For every dollar you spend, you earn two miles, which (along with the lower-fee Capital One Venture Rewards Card) is unique among travel credit cards. There’s also no additional cost for up to four authorized users, making this a good option for families who need several cards.
In addition to earning at least 2x miles on every purchase, you can earn miles the following ways:
Aside from earning miles, the Venture X packs a punch with its range of perks:
With an annual fee of $395, it’s also the cheapest premium travel card out there (plus, if you can use the $300 travel credit, that brings the fee down to a manageable $95).
Capital One miles can be redeemed in a few ways. One is by booking travel directly through Capital One’s portal. While I usually don’t recommend booking through credit card portals, to fully benefit from the Venture X’s travel credit, you’ll need to book at least $300 worth of travel this way.
Another option is to use your miles to get reimbursed for any travel purchase. For 90 days after making such a purchase, you can reimburse yourself at a redemption rate of one cent per mile. After 90 days, and for all other purchases, you can use miles as cash back, at a redemption rate of 0.5 cents per mile (but avoid doing this, as it’s not a good value).
However, you’ll get the most out of your miles by transferring them to Capital One’s 15+ airline and hotel partners. While the actual value varies based on what you book, you can usually find airline and hotel redemptions worth much more than the aforementioned one cent per mile. (The process is pretty straightforward and can be done through your Capital One account.)
Here are Capital One’s current travel partners:
Using transfer partners is a game-changer if you’re looking to maximize the value of your miles. That’s why, unless I find a super cheap flight or hotel room (less than $150 USD), I always transfer miles to Capital One’s travel partners. That’s especially true when booking business class flights or fancy hotel rooms. You just get more value for your money.
Plus, with tools like point.me and Awayz (search engines that help you find the best flights and hotels to book with miles), it’s easier than ever to find the best redemption options.
The Capital One Venture X is best for frequent travelers who want a straightforward card with a higher earning rate on all purchases. If you frequently fly and stay in hotels, and are willing to pay an annual fee for premium benefits, this card is tailored for you.
On the flip side, if you’re not a frequent traveler or don’t spend enough to offset the $395 annual fee, the Venture X might not be the best fit. It’s also not ideal if you’re looking for a card with a high rewards rate in specific categories like dining or groceries.
If you travel occasionally or prefer a lower annual fee, you might want to pick another card that better aligns with your spending habits and travel frequency. Because there is no right card — only the card that’s right for you!
The Capital One Venture X Rewards Credit Card is a powerhouse for those who travel often and want to enjoy top-tier perks. Weigh the pros and cons to see if it’s the right fit for your travel lifestyle but I bet it is! Like I said in the intro, it’s one of my favorite cards and I definitely recommend getting it.
Book Your Flight
Find a cheap flight by using Skyscanner. It’s my favorite search engine because it searches websites and airlines around the globe so you always know no stone is being left unturned.
Book Your Accommodation
You can book your hostel with Hostelworld. If you want to stay somewhere other than a hostel, use Booking.com as it consistently returns the cheapest rates for guesthouses and hotels.
Don’t Forget Travel Insurance
Travel insurance will protect you against illness, injury, theft, and cancellations. It’s comprehensive protection in case anything goes wrong. I never go on a trip without it as I’ve had to use it many times in the past. My favorite companies that offer the best service and value are:
Want to Travel for Free?
Travel credit cards allow you to earn points that can be redeemed for free flights and accommodation — all without any extra spending. Check out my guide to picking the right card and my current favorites to get started and see the latest best deals.
Need Help Finding Activities for Your Trip?
Get Your Guide is a huge online marketplace where you can find cool walking tours, fun excursions, skip-the-line tickets, private guides, and more.
Ready to Book Your Trip?
Check out my resource page for the best companies to use when you travel. I list all the ones I use when I travel. They are the best in class and you can’t go wrong using them on your trip.
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