Capital One Venture X Rewards Credit Card
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| 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 |
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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.
| 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:
| 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.
Contact
- Headquarters
-
1680 Capital One Drive
McLean, VA 22102 - (800) 227-4825
- Visit Site
- Email Support
Other Services by Capital One
View all personal credit cards offered by Capital One
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 |
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