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  Capital One Venture X Rewards Credit Card
Capital One Venture X Rewards Credit Card Claimed

Capital One Venture X Rewards Credit Card

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Highlights
Purchase APR  (Variable APR) 16.99% - 23.99%
Balance Transfer APR  (Variable APR) 16.99% - 23.99%
Credit Score Range 750 - 850
Annual Fee $395

Capital One Venture X Rewards Credit Card Review

This is a rewards credit card issued by Capital One. If you're wondering whether Venture X Credit Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • Generous reward rate. You will get a rewards rate of up to 10x.
  • Signup bonus. Offers a signup bonus of 75000 points after spending $4,000 within 3 months that can be redeemed for travel, gifts, or other perks.
  • Competitive APRs. Capital One Venture X Rewards Credit Card has a variable purchase APR that ranges from 16.99% up to 23.99%.
  • 3% Balance transfer fee. Capital One Venture X Rewards Credit Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees.
  • No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
  • Airport Lounge Access. Benefits like airport lounge access can add luxury to your travel experience.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, airline credit, access to a concierge, emergency support, extended warranty protection on purchases, identity theft protection, purchase protection, travel accident insurance, travel assistance, trip cancellation insurance, and fraud protection.
  • Very good credit required. Applicants will typically need a credit score of at least 750 to have good approval odds.
Pros & Cons of Venture X Credit Card
The Good The Bad
  • Multiple credit card perks.
  • Airline Credit.
  • Offers auto rental collision damage waiver.
  • Access to a concierge.
  • Extended warranty on purchases.
  • Free access to your credit score.
  • Global Entry/TSA Pre✓®.
  • Identity Theft Protection.
  • Travel accident and travel assistance insurance.
  • Trip cancellation insurance.
  • No foreign transaction fee.
  • Cardholders can earn rewards on their purchases.
  • Capital One Venture X Rewards Credit Card reports to multiple credit bureaus.
  • Requires good to excellent credit.
  • Charges an annual fee of $395
  • Charges a 3% balance transfer fee. After the introductory period, the fee is 0% .
Venture X Credit Card FAQ

Does Venture X Credit Card have a cash back or rewards program?

Venture X Credit Card is a travel rewards card.

Venture X Credit Card Rewards
Minimum rewards rate 2x
Max rewards rate 10x
Annual rewards limit N/A
Signup Bonus (Points/Miles) 75000
Signup Bonus Spend Requirement $4000
Signup Bonus Spend Period (months) 3 months
Annual Loyalty Bonus (Points/Miles) 10000

Does Venture X Credit Card have a signup bonus?

This card doesn't offer a cash signup bonus. However, it does include a 75000 points signup bonus after spending $4000 that can be redeemed for travel, gifts, or other perks.

Does Venture X Credit Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus. However, it does include an annual loyalty bonus of 10000 points that can be redeemed for travel, gifts, and other perks.

What are the Venture X Credit Card benefits?

It provides the following benefits:

  • Free Credit Score
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Trip Cancellation Insurance
  • Zero fraud liability
  • Free Credit Report.
  • Travel Accident Insurance
  • Free Credit Report
  • Cell Phone Protection
  • Travel Assistance
  • Reports to major credit bureaus

What are the relevant APRs for Venture X Credit Card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance.

Capital One Venture X Rewards Credit Card has a variable purchase APR that ranges from 16.99% up to 23.99%. The card has a variable balance transfer APR that ranges from 16.99% up to 23.99%. It also has a variable cash advance APR of 23.99% .

Does Venture X Credit Card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Venture X Credit Card have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for Venture X Credit Card?

The following fees apply:

Venture X Credit Card Fees
Fees Amount
Annual Fee $395
Foreign Transaction Fee 0%
Late Payment Fee up to $40

Does Venture X Credit Card have a foreign transaction fee?

This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.

What is the customer service phone number for Venture X Credit Card?

The Venture X Credit Card customer service number is (800) 227-4825.

What is the support contact email for Venture X Credit Card?

The support contact email for Venture X Credit Card is support@capitalone.com.

How do people rate the customer service and user experience of Venture X Credit Card?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

Does Capital One Venture X Rewards Credit Card report your account activity to credit bureaus?

Yes, Capital One Venture X Rewards Credit Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Venture X Credit Card

  • Visit the Venture X Credit Card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Foreign Currency Transaction Fee 0%
No Foreign Transaction Fee
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 3%
Minimum Cash Advance Fee ($) $10
Annual Fee $395
Late Fee Amount Up to $40
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 750 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Purchase Protection
  • Trip Cancellation Insurance
  • Emergency Support
  • Fraud Liability
  • Free Credit Score
  • Cellular Telephone Protection
  • Travel Accident Insurance
  • Free Credit Report
  • Global Entry / TSA Pre✓®
  • Travel Assistance
  • Concierge
  • Airline Credit
  • Airport Lounge Access
Bonus Offer Receive up to $300 in statement credits when booking through Capital One Travel.
Annual Loyalty Bonus (points) 10,000
Rewards Categories
  • 5x Points on Airfare
  • 10x Points on Car Rentals
  • 10x Points on Hotels
  • 2x Points on Every Purchase
Signup Bonus (points) 75,000
Cash Advance APR (Variable APR) 23.99%
Balance Computation Average daily balance (including new transactions)
Purchase APR (Variable APR) 16.99% - 23.99%
Balance Transfer Fee % After Intro Period 0%
Balance Transfer APR (Variable APR) 16.99% - 23.99%
Balance Transfer Fee % 3%
Card Type
  • Rewards
  • Travel
Card Network Visa

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