Capital One · Flexible points · Visa/Mastercard

Capital One Venture X: what it's really worth

The Capital One Venture X has a $395 annual fee. For a typical household spending $2,070 a month, it's worth about $1,741 in year one and $691 each year after.

Annual fee$395

Sign-up bonus$1,05075,000 miles after $4,000 in 3 mo

Net value · year 1$1,741

Net value · each year after$691

Calculate it with your own spending

Is the annual fee worth it?

Worth keeping after year one for typical spending: it nets about $185 a year more than the Hilton Honors Card, the best no-fee card for the same spending.

How you earn

Category	Rate	Value per $1	Per year*
Dining	2x	2.8¢	$101
Groceries	2x	2.8¢	$168
Hotels	2x	2.8¢	$27
Flights	2x	2.8¢	$34
Gas	2x	2.8¢	$50
Streaming	2x	2.8¢	$13
Everything else	2x	2.8¢	$302

*At typical monthly spending: dining $300, groceries $500, hotels $80, flights $100, gas $150, streaming $40, everything else $900. 10x on hotels & rental cars and 5x on flights booked through Capital One Travel.

Credits and perks

$300 Capital One Travel credit — On bookings through Capital One Travel. We count about $250 a year, since most people don't use every dollar.
$100 10,000 anniversary miles — Deposited every account anniversary. We count about $140 a year, since most people don't use every dollar.
Airport lounge access
Global Entry / TSA PreCheck credit
Foreign transaction fee: none

Who it's for

The cheapest premium card with lounge access
2x miles on everything
Not ideal: People who won't book through Capital One Travel

Can I get it?

Recommended credit: Excellent
Capital One rules: Generally approves about one new Capital One card every 6 months. Bonuses may be limited if you've had the card in the last 48 months.
Visa/Mastercard: Capital One issues this card on either Visa or Mastercard — check the logo on yours. Both are accepted almost everywhere, but Costco warehouses take only Visa.

Check the current offer at Capital One

Updated Oct 30, 2026.