Most frequent vacationers can profit from a premium bank card just like the Capital One Venture X Rewards Credit Card. Nonetheless, the steep annual charges imply it is necessary to fastidiously contemplate how helpful the cardboard’s perks will probably be for you.
The Enterprise X is simpler to justify than many different playing cards at its degree because it has an annual payment of simply $395. That is $200 cheaper than the subsequent most reasonably priced premium card from a serious issuer, the Citi Strata Elite℠ Card (see rates and fees).
Listed here are the advantages that might make the Enterprise X price a spot in your pockets.
Welcome provide
The Venture X‘s present welcome bonus matches the best-ever offer: 100,000 bonus miles after spending $10,000 within the first six months of account opening.
In accordance with TPG’s November 2025 valuations, these miles are pegged at 1.85 cents apiece, making this bonus price $1,850.
It is price noting that Capital One could be choosy when approving credit card applications; the financial institution is thought for being very delicate in regards to the info in your credit score report, together with the variety of current exhausting inquiries, new accounts and accounts with different issuers.
The worth of this welcome bonus alone covers this card’s annual payment a number of instances over, however I personally imagine that an ideal welcome provide alone is not sufficient to justify paying a premium annual payment. Luckily, the Enterprise X has loads of different perks to supply.
Associated: The ultimate guide to credit card application restrictions
Journey credit score
The simplest solution to recoup many of the Venture X‘s annual payment is thru its annual $300 Capital One Travel credit score. This seemingly will not be sufficient to cowl a lodge keep at a high property or a round-trip flight to Europe, but it surely’s a good way to pay for a protracted weekend getaway or a brief keep at a boutique lodge.
Reward your inbox with the TPG Each day e-newsletter
Be part of over 700,000 readers for breaking information, in-depth guides and unique offers from TPG’s specialists
TPGers who maintain the Enterprise X usually spotlight this credit score as one of many high causes they preserve the cardboard 12 months after 12 months. TPG senior factors and miles author Ben Smithson used his Venture X’s Capital One Travel credit to cowl a flight from Miami to the Caribbean. Contributing bank cards editor Matt Moffitt makes use of his to cowl Hertz automotive leases.
Associated: How the Capital One Venture X travel credit can save you $300 on your next trip
Anniversary bonus miles
TPGers with the Venture X typically use the worth of the anniversary bonus miles to offset the remaining portion of the cardboard’s annual payment after the Capital One Journey credit score.
The Enterprise X gives 10,000 bonus miles after every account anniversary. In accordance with our November 2025 valuations, that is $185 in worth. After all, that is assuming you switch your miles to Capital One’s travel partners.
Associated: Who should (and shouldn’t) get the Capital One Venture X?
Lounge entry
Venture X cardholders have entry to 2 varieties of lounges: Priority Pass and Capital One’s own lounges for themselves and as much as two company (visitor entry will probably be restricted from Feb. 1, 2026).
Whereas Capital One’s lounge footprint is not as intensive as American Express’ Centurion Lounge network, getting access to these lounges by way of your Enterprise X can imply rather a lot should you reside close to or incessantly transit by way of an airport with one.
Precedence Go entry comes with nearly each worthwhile premium card, but it surely’s a priceless perk should you do not have already got a card that gives it.
The precise financial worth of lounge entry is tough to quantify because it relies on how usually you go to lounges and what you truly do whilst you’re there. I sometimes worth every lounge go to at round $30, as that is seemingly what I might spend on a pleasant meal if I weren’t within the lounge.
Nonetheless, should you aren’t consuming rather a lot while you go to lounges and are not utilizing the opposite facilities that could be included, you may worth every go to rather a lot much less.
Associated: Best credit cards for airport lounge access
Automobile rental perks
In the event you’re open to reserving a rental automotive by way of an issuer’s journey portal, the Venture X is a good possibility. You will earn 10 miles per greenback spent on automotive leases booked by way of the portal, probably the greatest returns of any premium card.
Enterprise X cardholders additionally obtain top-tier Hertz President’s Circle status*. Assuming you lease a automotive a few times a 12 months, this perk can provide vital worth.
After registering, you will obtain assured upgrades, the widest selection of vehicles when beginning your rental and a free further driver (which generally prices $13.50 per day, as much as a most of $189 throughout your rental).
*Upon enrollment, accessible by way of the Capital One web site or cellular app, eligible cardholders will stay at that standing degree by way of the period of the provide. Please be aware, enrolling by way of the conventional Hertz Gold Plus Rewards enrollment course of (i.e., at hertz.com) won’t mechanically detect a cardholder as being eligible for this system, and cardholders won’t be mechanically upgraded to the relevant standing tier. Further phrases apply.
Associated: Stacking rental car perks with Hertz and the Venture X
Entry to luxurious lodge applications
Venture X cardholders can entry Capital One’s Premier Collection and Lifestyle Collection lodge applications. Cardholders will pay money or redeem their miles at a price of 1 cent every to e-book stays.
Advantages at top-tier Premier Assortment properties embody:
- $100 on-property credit score for issues like meals and spa visits
- Free day by day breakfast for 2 folks
- Room upgrades (when obtainable)
- Free Wi-Fi throughout your keep
Life-style Assortment properties are principally lower-tier boutique properties, however they nonetheless provide helpful advantages for Enterprise X cardholders, reminiscent of a $50 credit score to make use of towards eligible fees and early check-in and late checkout (the place obtainable).
Since you will e-book by way of Capital One Journey, you will earn 10 miles per greenback spent when paying in your stick with the Enterprise X.
Associated: A comparison of luxury hotel programs from credit card issuers: Amex, Capital One, Chase and Citi
Different key perks
Venture X cardholders obtain reimbursement for his or her software payment for TSA PreCheck or Global Entry. This profit is accessible as soon as each 4 years and is price as much as $120. I like to recommend Global Entry for any frequent traveler because it comes with TSA PreCheck.
Cardholders even have entry to a number of journey and purchasing protections when paying with their card:
- Cellphone safety
- Prolonged guarantee and return safety
- Misplaced baggage reimbursement
- Major rental automotive insurance coverage
- Journey cancellation and interruption insurance coverage
- Journey delay reimbursement
Associated: 6 things to do when you get the Capital One Venture X
Invaluable approved consumer perks
One of many Venture X‘s huge attracts for a lot of is its intensive approved consumer perks. Cardholders can add a number of free authorized users to their accounts, who get pleasure from the next advantages:
For comparability, the American Express Platinum Card® and the Chase Sapphire Reserve® (see rates and fees) each cost $195 for every approved consumer (see rates and fees for the Amex Platinum).
Associated: Why you should add authorized users on the Capital One Venture X
Backside line
The Venture X is one in all our favourite premium journey playing cards for a cause. It is easy to get outsize worth from its $395 annual payment should you’re capable of maximize its annual $300 Capital One Journey credit score and 10,000 anniversary bonus miles.
Plus, for a restricted time, new cardholders have the chance to earn a best-ever provide. If the Enterprise X has been in your want record for some time, now’s the time to use.
To be taught extra, take a look at our full review of the Capital One Venture X.
Be taught extra: Capital One Venture X Rewards Credit Card
For Capital One merchandise listed on this web page, a few of the advantages could also be offered by Visa® or Mastercard® and will differ by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.
For charges and costs of the Amex Platinum, click on here.
Trending Merchandise
