Capital One Venture X
The Capital One Venture X from Capital One has a $395 annual fee. At $2,650 a month of typical household spending it pays about $241 a year after fees, before statement credits, $395 less than the Citi Double Cash, a flat 2% card.
Terms checked October 24, 2026. Net values use the spending mix of 1,229 U.S. households in the Bureau of Labor Statistics' Consumer Expenditure Interview Survey. This is an estimate, not financial advice.
What does the Capital One Venture X earn?
2x on everything else.
Not counted in the numbers on this page:
- 10x on hotels and rental cars booked through Capital One Travel
- 5x on flights and vacation rentals booked through Capital One Travel
- 5x on Capital One Entertainment ticket purchases (its own ticketing platform only)
How much would it pay you a year?
This is the card's rewards minus its annual fee, at three spending levels, with spending split the way the survey households split theirs. Statement credits and sign-up bonuses are left out.
| Spending a month | Capital One Venture X | Citi Double Cash (2%) |
|---|---|---|
| $1,500 | −$35 | $360 |
| $2,650 (the survey median) | $241 | $636 |
| $5,000 | $805 | $1,200 |
The mix is 30% everything else, 25% groceries, 16% phone and utilities, 13% dining, and smaller shares elsewhere. Your own split decides the real answer: add your statements to work it out on what you actually spent.
How did it do for real households?
We ran each of the 1,229 households in the 2024 survey through every card, on 12 straight months of their own spending. It was never the best of the 53 cards for any household, and never paid more than the Citi Double Cash, a flat 2% card. For the median household it paid $395 a year less than the flat 2% card.
The survey records spending categories but not merchants, so merchant bonuses and statement credits never count there, which favors flat cards. How we ran the household test.
What credits does it come with?
Up to $330 a year in credits, worth that much only if you would spend at these merchants anyway. PointMaxx counts a credit only when your statements show you'd have used it.
| Credit | Up to |
|---|---|
| Capital One Travel credit | $300 a year |
| Global Entry / TSA PreCheck credit | $120 every 4 years ($30 a year) |
| Premier Collection experience credit | $100 ($100 credit with each Premier Collection hotel or vacation rental booking) |
Fees and sign-up bonus
- Annual fee: $395.
- Foreign transaction fee: none.
- Sign-up bonus: 75,000 points ($750 at 1¢ a point) after $4,000 of spending in 3 months. Offers change and can differ by applicant, so check the issuer's page.
Other benefits
- Capital One Lounges and Priority Pass lounges: 1,300+ lounges after enrollment
- 10,000 anniversary miles: each year starting at first anniversary
- Hertz President's Circle status
- Cell phone protection: up to $800
- Car rental collision coverage
- Cultivist Enthusiast membership: 50% off
Cards that pay about the same
At $2,650 a month, these pay closest to the Capital One Venture X:
- Amazon Prime Visa: $245 a year
- Chase Southwest Priority: $247 a year
- Chase United Explorer: $281 a year
- Amex Delta SkyMiles Platinum: $176 a year
See what it would have paid you
Add your statementsFree, in your browser. Your statements are never uploaded.
PointMaxx runs a year of your own card statements against 53 U.S. cards, after annual fees, caps and the credits you'd really use. No statements on hand? The quick estimate asks seven questions instead.
Sources
- capitalone.com/credit-cards/venture-x/
- thepointsguy.com/credit-cards/capital-one-venture-x
- nerdwallet.com/reviews/credit-cards/capital-one-venture-x
- upgradedpoints.com/credit-cards/reviews/capital-one-venture-x/benefits-history/
- Household spending: BLS Consumer Expenditure Surveys public-use microdata, 2024 Interview Survey.
See a wrong rate? Tell us. PointMaxx is not affiliated with or endorsed by Capital One; the card's name is used only to say which card is meant.