Capital One Venture X Review: Why This $395 Fee Premium Card Is a No-Brainer

The Capital One Venture X Rewards Credit Card is a premium credit card that I’d argue is in a league of its own in terms of how easy it is it to justify, without having to jump through endless hoops. The $395 annual fee card offers a minimum of 2x miles per dollar spent, credits and benefits that in and of themselves justify the annual fee, and all kinds of valuable travel perks, including airport lounge access. This post is my in-depth Capital One Venture X review. This is a card that I’ve personally held onto since launch, and continue to get good value from. Let’s take a look at everything you need to know about the card, and also discuss how it compares to the Capital One VentureOne Rewards Credit Card (learn more) and Capital One Venture Rewards Credit Card (learn more). Link: Learn more about the Capital One Venture X Rewards Credit Card Capital One Venture X summary & key detailsCapital One Venture X bonus, eligibility, & feesVenture X welcome bonus of 75K bonus milesVenture X card eligibility rules explainedVenture X approval tips & strategiesVenture X $395 annual feeVenture X $0 authorized user fee, with a catchCapital One Venture X mileage rewards earningVenture X 5-10x miles with Capital One TravelVenture X 2x miles on all other purchasesVenture X no foreign transaction feesCapital One Venture X airport lounge accessVenture X Capital One Lounge accessVenture X Capital One Landing accessVenture X Priority Pass™ membershipVenture X authorized user lounge accessVenture X $75,000 lounge access guests ruleCapital One Venture X benefits & creditsVenture X $300 annual Capital One Travel creditVenture X 10,000 miles anniversary bonusVenture X Hertz President’s Circle elite statusVenture X Global Entry or TSA PreCheck creditCapital One Venture X purchase protection (rental cars, travel, cell phones)How to redeem Capital One milesRedeem Capital One miles toward travel costsConvert Capital One miles into airline or hotel pointsIs the Capital One Venture X worth it?Venture X vs. Venture comparisonVenture X vs. Venture X Business comparisonVenture X vs. Amex Platinum comparisonVenture X vs. Chase Sapphire Reserve comparisonVenture X vs. Citi Strata Elite comparisonCapital One Venture X FAQsBottom line Capital One Venture X summary & key details Before I get into my Capital One Venture X review, let me briefly summarize the key details of the card: Capital One Venture X annual fee: $395 Capital One Venture X welcome offer: 75K bonus miles after spending $4,000 within the first three months Capital One Venture X rewards: 10x miles on hotels and rental cars booked through Capital One Travel, 5x miles on flights and vacation rentals booked through Capital One Travel, and 2x miles on all other eligible purchases Capital One Venture X foreign transaction fees: None Capital One Venture X lounge access: Capital One Lounge access, Capital One Landing access, Priority Pass membership Capital One Venture Card perks & benefits: $300 annual Capital One Travel credit, 10,000 anniversary bonus miles, Global Entry or TSA PreCheck credit once every four years, Hertz Gold Plus Rewards President’s Circle status, rental car coverage, and more Beyond that, here are what I consider to be some of the major pros and cons of the Capital One Venture X: Capital One Venture X pros include the reasonable annual fee compared to other premium cards, the travel credit and anniversary bonus miles that help justify the annual fee, the extensive airport lounge access, and the great return on everyday spending Capital One Venture X cons include the lack of bonus categories on spending, plus the lack of guesting privileges at Priority Pass lounges Access Capital One Landings with the Venture X Capital One Venture X bonus, eligibility, & fees Let’s take a look at some of the key aspects of the Capital One Venture X, including the welcome bonus, the card eligibility, and the fees, since those are obviously major factors that cardmembers consider. Venture X welcome bonus of 75K bonus miles The Capital One Venture X is currently offering a welcome bonus of 75,000 bonus miles after spending $4,000 within the first three months. Personally, I value Capital One miles at 1.7 cents each, so to me, the 75,000 miles are worth ~$1,275. However, if you were to redeem Capital One miles for one cent each toward a travel purchase (also an option), then you’d get $750 in value, so that wouldn’t be nearly as good. For what it’s worth, this is the standard welcome offer on the card. We have seen bigger welcome offers in the past, but it’s anyone’s guess when we see an increased offer return again, as it has been some time. Book awesome travel with Capital One miles Venture X card eligibility rules explained When you look at the bonus terms on the Capital One Venture X, you’ll find the following language: Existing or previous cardmembers are not eligible for this product if they have received a new cardmember bonus for this product in the past 48 months. So it’s important to emphasize that you are eligible with the Venture X (including the bonus) if you have one of the other versions of the Venture, including the Capital One VentureOne Rewards Credit Card (learn more), Capital One Venture Rewards Credit Card (learn more), or Capital One Venture X Business (learn more). Venture X approval tips & strategies Capital One can be a quirky card issuer when it comes to getting approved for cards. Anecdotal reports suggest that a lot of people are having luck with approvals for the Capital One Venture X, which is great. A few things to note: Yes, you are eligible for the Capital One Venture X (including the bonus) even if you have the Capital One Venture, but you need to apply outright; product changing doesn’t qualify for the bonus If you’re added as an authorized user on the Capital One Venture X (or any other Capital One card), you are eligible to apply for the card yourself in the future, and receive the bonus Capital One doesn’t seem to have any consistent rules when it comes to getting approved, at least not like Amex and Chase; people with all kinds of credit profiles are reporting approvals Capital One pulls your credit from all three bureaus when you apply, though personally I don’t consider that to be a big deal Learn more about getting approved for the Capital One Venture X. Many are having luck getting approved for the Venture X Venture X $395 annual fee The Capital One Venture X has a $395 annual fee. Note that this annual fee is for the primary card member. While that annual fee might sound steep, everyone who considers this card should be able to get outsized value from that fee, and holding onto the card should end up costing you very little. I’ll talk about that in more detail below, but the card offers two annual benefits that more than offset the annual fee, in my opinion. There’s a bit of nuance to the Capital One Venture X authorized user fee. There’s no fee to add authorized users to the card. However, you can choose to pay $125 per authorized user (for up to four authorized users) in order for them to also get lounge access. I’ll talk about that in more detail below, but it could represent a great deal. Capital One Venture X mileage rewards earning The Capital One Venture X has a lucrative rewards structure, and offers 2-10x Capital One miles per dollar spent, all with no foreign transaction fees. Let’s go over the details of how that works. Before I do, let me mention that based on my latest valuation of miles & points, Capital One miles are worth 1.7 cents each, so that’s what I use to determine the return on spending. Venture X 5-10x miles with Capital One Travel The Capital One Venture X offers bonus rewards for travel booked through the Capital One Travel portal. Specifically, with the Venture X: Earn 10x miles on hotels and rental cars booked through Capital One Travel Earn 5x miles on flights and vacation rentals booked through Capital One Travel Based on my valuation of 1.7 cents per Capital One mile, that’s like a 17% return on hotels and rental cars, and an 8.5% return on flights and vacation rentals. Some people might find it to be worthwhile to book through Capital One Travel to earn those rewards, but there’s often an opportunity cost to using a portal. For example, with hotels, you may then not receive elite perks or earn points with your preferred program. Meanwhile with flights, booking through an online travel agency just adds a “middleman,” and that complicates things in the event of irregular operations. Earn up to 10x miles with Capital One Travel with the Venture X Venture X 2x miles on all other purchases One of the greatest things about the Capital One Venture X is that it offers a minimum of 2x Capital One miles on all purchases. That makes this one of the best cards for everyday spending, as I value that at a 3.4% return on spending. There’s a lot of merit to using this as your personal card for everyday spending. While some other cards may have lucrative bonus categories, you can’t beat the ease and general value of earning 2x miles on all purchases. Earn a minimum of 2x miles on all purchases with the Venture X Venture X no foreign transaction fees The Capital One Venture X has no foreign transaction fees, making it a great card for purchases abroad. Not only can you avoid foreign transaction fees (which can be around 3% on some other cards), but you can earn rewards abroad as well. Make purchases abroad with no foreign transaction fees on the Venture X Capital One Venture X airport lounge access The Capital One Venture X offers a great airport lounge access program, including access to Capital One Lounges and Capital One Landings, as well as a Priority Pass membership. These benefits apply for the primary cardmember, as well as to authorized users if you pay the $125 lounge access fee for them (for up to four authorized users). Venture X Capital One Lounge access The Capital One Venture X offers the primary card member access to Capital One Lounges. These lounges feature grab & go food, cold brew on tap, and delicious food and drinks to enjoy in the lounge. When it comes to guesting, you’re not allowed to bring guests into the lounge as a standard. However, if you spend $75,000 per calendar year on the card, then you can bring two guests into lounges. That benefit applies for the calendar year in which you complete the spending, plus the following year. If you fly out of DFW, IAD, DEN, LAS, or JFK with any frequency, there’s big value to having access to a Capital One Lounge, in my opinion. In terms of future locations, there’s also a Capital One Lounge coming to CLT. When it comes to authorized user Capital One Lounge access, you can pay $125 per authorized user per year (for up to four authorized users) for them to receive the same lounge access perks as the primary cardmember. The guesting privileges would be the same, and would be based on $75,000 of spending on the overall account. Access Capital One Lounges with the Venture X Venture X Capital One Landing access The Capital One Venture X offers the primary card member access to Capital One Landings. So far, Capital One has locations in Washington (DCA) and New York (LGA). Think of Capital One Landings as essentially being top notch airport restaurants, with menus designed by Chef José Andrés. It’s really a great twist on the traditional lounge concept, since it’s a place to get great food and drinks before your flight, without actually visiting a traditional lounge. Primary card members on the Capital One Venture X receive unlimited visits to Capital One Landings, and you’re not allowed to bring guests into these facilities as a standard. However, if you spend $75,000 per calendar year on the card, then you can bring one guest into Capital One Landing locations. That benefit applies for the calendar year in which you complete the spending, plus the following year. Guests otherwise cost $45 each. When it comes to authorized user Capital One Landing access, you can pay $125 per authorized user per year (for up to four authorized users) for them to receive the same lounge access perks as the primary cardmember, including the same guesting privileges, based on whether there’s $75,000 in spending on the account. Access Capital One Landings with the Venture X Venture X Priority Pass™ membership The Capital One Venture X offers the primary card member a Priority Pass™ membership. A Priority Pass™ membership offers access to 1,300+ lounges around the world. With the Priority Pass™ membership issued through the card, you unfortunately can’t bring any guests into lounges, even if you reach the $75,000 spending threshold (this is a major downside compared to the business version of the card, which does allow up to two guests at Priority Pass lounges). When it comes to authorized user Priority Pass access, you can pay $125 per authorized user per year (for up to four authorized users) for them to receive the same lounge access perks as the primary cardmember. Access airport lounges worldwide with Venture X Priority Pass Venture X authorized user lounge access I explained this above, but just to be abundantly clear about how the Capital One Venture X authorized user lounge access works: Authorized users only get lounge access if you pay the $125 per person lounge access fee, which is possible for up to four authorized users; if you don’t pay that fee, there’s no lounge access If you do pay the $125 lounge access fee, then lounge access perks are identical for authorized users and the primary cardmember, so they’d receive access to Capital One Lounges and Capital One Landings, plus a Priority Pass membership Priority Pass allows no guests no matter what, while being able to bring guests into Capital One Lounges or Capital One Landings is based on spending $75,000 on the card per year Venture X $75,000 lounge access guests rule With the Capital One Venture X, being able to bring guests into Capital One Lounges and Capital One Landings requires spending $75,000 per year: That spending requirement is per calendar year, and not per account anniversary year The spending requirement is across the card account, so both primary user and authorized user spending would count toward it If you reach that $75,000 spending threshold, you unlock the lounge accessing guesting for the remainder of the current calendar year, plus the entire following calendar year As a reminder, this allows two guests in Capital One Lounges, and one guest in Capital One Landings, and it applies to both the primary cardmember and authorized users who pay the $125 lounge fee Capital One Venture X benefits & credits The Capital One Venture X really stands out when it comes to the perks offered by the card. Beyond the airport lounge access covered above, what makes the card so rewarding is the credits, anniversary bonus miles, and other perks, which more than justify the annual fee, as I see it. Let’s go over those details. Venture X $300 annual Capital One Travel credit The Capital One Venture X offers a $300 annual credit that can be used through Capital One Travel, starting your first year. You can apply this to a $300 purchase through Capital One Travel, and can use it toward a flight, hotel, or rental car. This is quite straightforward to use — my preferred method is to simply book a $300+ flight, and get $300 off that purchase amount. I’d consider that credit to more or less be worth face value, so to me that is the equivalent of a roughly 75% rebate on the card’s $395 annual fee. Put another way, it brings the “real” annual cost down to $95. Apply your $300 Venture X travel credit toward a hotel stay Venture X 10,000 miles anniversary bonus The Capital One Venture X offers 10,000 Capital One miles on your account anniversary every year, starting on your first anniversary. At a minimum, you can redeem those 10,000 miles for one cent each toward a travel purchase, so that’s worth a minimum of $100. However, if you’re a savvy points redeemer, you can get even more value out of that perk. Redeem Capital One miles for great travel experiences Venture X Hertz President’s Circle elite status The Capital One Venture X offers Hertz President’s Circle status for the primary card member and authorized users. This status with Hertz offers perks like being able to skip the counter, guaranteed upgrades, free additional drivers, and more. If you rent from Hertz with any frequency, this should be worth quite a bit. Receive Hertz President’s Circle status with the Venture X Venture X Global Entry or TSA PreCheck credit The Capital One Venture X offers a TSA PreCheck or Global Entry fee credit once every four years. You just have to charge the application fee of up to $120 to your card, and it will automatically be reimbursed. Both of these programs offer a lot of value if you’re a frequent flyer. I recommend signing up for Global Entry, since that comes with TSA PreCheck, while the inverse isn’t true. Get a TSA PreCheck credit with the Venture X Capital One Venture X purchase protection (rental cars, travel, cell phones) One thing that many people look for in premium credit cards is great purchase protection. The Capital One Venture X is a Visa Infinite Card, and as a result, it offers some valuable peace of mind: For rental cars, the Venture X offers primary rental car coverage; just decline the collision damage waiver offered by the car rental company, and pay for the full price of the rental with your card For cell phones, the Venture X offers cell phone protection; just pay your monthly bill with the card, and you’ll be protected with a $50 deductible For flights, the Venture X offers trip delay reimbursement; pay for your airline ticket with the card, and if you’re delayed by more than six hours or have an overnight stay, you can be reimbursed up to $500 for reasonable expenses incurred because of the delay For luggage, the Venture X offers lost luggage reimbursement; pay for your airline ticket with the card, and if your bag is lost, you can be reimbursed Beyond that, the card offers your typical premium credit card purchase protection, including extended warranty protection, return protection, etc. Of course, you’ll want to consult the card member agreement for all the terms, since there are always some restrictions associated with this coverage. But this is incredibly well-rounded coverage, and what I look for in a premium card. Receive cell phone protection with the Venture X How to redeem Capital One miles As you can see above, the Capital One Venture X earns Capital One miles, and you earn a minimum of 2x miles per dollar spent on purchases. How can you actually redeem those miles, though? There are a couple of ways to most efficiently redeem Capital One miles: Miles can be redeemed for one cent each toward the cost of a travel purchase Miles can be transferred to Capital One’s airline and hotel partners, typically at a 1:1 ratio Let’s briefly talk about both of those redemption methods. Before I do, let me say that there are other ways to redeem, they’re often just not as good of a deal. This includes everything from just getting direct cash back, to redeeming for gift cards, to getting credits with Amazon or PayPal, to using miles for Capital One Entertainment. Redeem Capital One miles toward travel costs One way to redeem Capital One miles is at the rate of one cent per mile toward the cost of a travel purchase. This means you’re earning two cents per dollar spent toward travel, since the card offers unlimited 2x miles. If you want to redeem your miles toward the cost of a travel purchase, the best way to do so is with covering travel purchases. With this, you can make an eligible travel purchase using your card, and then you can go online after the fact and use your miles to pay for the purchase within 90 days of the date of purchase. Your credit will then be applied within two to three days. Eligible travel purchases using your Capital One miles include purchases made from airlines, hotels, rail lines, car rental agencies, limousine services, bus lines, cruise lines, taxi cabs, travel agents, and timeshares. It’s so nice to have the flexibility to make your travel purchase however you’d like, and then have the purchase reimbursed after the fact. Alternatively, you can book through the Capital One Travel Portal, and pay for your purchase directly with miles. I can’t emphasize enough how lucrative it is to at least get a return of two cents on the dollar on all your spending. A vast majority of people using travel rewards cards for everyday spending aren’t getting that level of return. Use your Capital One miles for a stay at a luxury hotel Convert Capital One miles into airline or hotel points Personally my preferred way to redeem Capital One miles is to transfer them to Capital One’s airline and hotel partners. Capital One has roughly 20 travel partners, ranging from Air Canada Aeroplan, to Air France-KLM Flying Blue, to British Airways Club, to Emirates Skywards, to JetBlue TrueBlue, to Turkish Airlines Miles&Smiles. If you put some effort into learning how to redeem miles & points, you can get way outsized value this way. For example, a one-way Air France business class award across the Atlantic starts at just 60,000 miles one-way. That’s how I recently flew Air France’s amazing new A350 business class from New York to Paris. If paying cash, that ticket would have cost thousands of dollars. Meanwhile I booked it for just 60,000 miles, the equivalent of $600 worth of travel. Not bad, eh? Book business class tickets with Capital One miles Is the Capital One Venture X worth it? The Capital One Venture X is incredibly generous, and that’s not even accounting for the card’s welcome bonus. The card has a $395 annual fee, which is lower than the fees of other premium credit cards. But the card shouldn’t be costing anyone nearly that much, between the $300 annual Capital One Travel credit, and the 10,000 anniversary bonus miles. To me you’re coming out ahead without even using the card for everyday spending. That doesn’t even factor in that the card has huge value beyond that — the Capital One Venture X offers an industry-leading 2x miles per dollar spent, and most significantly, offers access to Capital One Lounges and Capital One Landings, plus a Priority Pass™ membership. Applying for this card is an absolute no-brainer, in my opinion. While there are lower annual fee versions of the Capital One Venture, the math adds up here. Below, I’d like to just compare the Venture X to some other cards that people might be considering, to decide if it’s right for you. The Capital One Lounge DFW is awesome Venture X vs. Venture comparison The Capital One Venture Rewards Credit Card (learn more) is the lower fee version of the Capital One Venture X. While both are great cards, I do think there’s merit to the more premium version: The Venture has the advantage of having a $95 annual fee, much lower than the $395 annual fee on the Venture X Both cards have a roughly comparable return on spending, and most importantly, both offer 2x miles on everyday spending with no foreign transaction fees The difference in annual fees between the two cards is more than made up for by the $300 annual Capital One Travel credit and 10,000 bonus anniversary miles Then with the Venture X you get great lounge perks thrown in, including access to Capital One Lounges and Capital One Landings Venture X vs. Venture X Business comparison The Capital One Venture X Business (learn more) is the business version of the Capital One Venture X. While I think there’s something to be said for having both cards, how do the two cards compare? What the cards have in common is that they have the same annual fees, same rewards structure, and they both offer a $300 annual travel credit, 10,000 anniversary bonus miles, Capital One Lounge access, and Capital One Landing access The personal version of the card is a credit card (meaning it has a preset spending limit) while the business version of the card is a charge card (meaning it has no preset spending limit), in case that matters to you When it comes to the Priority Pass™ membership, the business version of the card allows two guests, while the personal version of the card allows no guest The personal version of the card has the advantage of offering cell phone protection The business version of the card has the advantage of offering a much bigger bonus (though also with a bigger spending requirement) I’d say both cards are incredibly lucrative. In the long run, perhaps the business version is slightly more lucrative nowadays in terms of offering guesting privileges on the Priority Pass membership. Either way, I think they’re both very easy to justify, and there’s even potentially merit to having both cards. Venture X vs. Amex Platinum comparison The American Express Platinum Card® (learn more) has historically been thought of as the gold standard among premium cards, so how does it compare to the Venture X? There are so many benefits to be aware of, so I recommend checking out my Amex Platinum review to compare. However, let me hit on a few highlights of the differences between the cards, as I see it: The Venture X is much more rewarding for spending than the Amex Platinum, thanks to the ability to earn 2x miles per dollar spent; the Amex Platinum is a card I keep primarily for the perks The Amex Platinum has a more robust lounge access benefit, as it offers Amex Centurion Lounge access and Delta Sky Club® access, along with a Priority Pass membership with guesting privileges (Enrollment required), so that’s a much larger lounge network Maximizing the credits and benefits on the Venture X is much easier, as using just two benefits will more than justify the annual fee; while the Amex Platinum could well be worth it, there are a lot of credits to maximize, and using them requires more effort, with some being monthly, some being quarterly, etc. So there’s not a right or wrong answer as to which is better. It all depends on your spending and travel patterns, and for some people, it could be worth having both. Personally I think the Venture X is easier to justify and come out ahead on, especially if you spend a lot on it. Access Centurion Lounges with the Amex Platinum Venture X vs. Chase Sapphire Reserve comparison The Chase Sapphire Reserve® Card (learn more) has become an increasingly popular premium card nowadays, so how does it compare to the Venture X? The Chase Sapphire Reserve has a much higher annual fee, at $795 The Chase Sapphire Reserve has more interesting bonus categories (4x points on dining, direct airfare, and direct hotels), while the Venture X has the better return on everyday spending The Chase Sapphire Reserve offers access to Chase Sapphire Lounges, select Air Canada Lounges, plus a Priority Pass membership with guesting privileges The Chase Sapphire Reserve has a lot more credits, but they also take a lot more effort to maximize than the Venture X’s straightforward $300 Capital One Travel credit and 10,000 anniversary bonus miles Personally I think these are the two most lucrative premium business cards, and they just serve different purposes. Access Chase Sapphire Lounges with the Sapphire Reserve Venture X vs. Citi Strata Elite comparison The Citi Strata Elite℠ Card (learn more) is one of the newer premium cards, so how does it compare to the Venture X? The Citi Strata Elite has a materially higher annual fee, at $595 The Citi Strata Elite offers more bonus categories (including on dining), but isn’t as rewarding as the Venture X for everyday spending, where it earns 1.5x points, rather than 2x miles The Citi Strata Elite offers a Priority Pass membership with guesting privileges and four Admirals Club passes annually, while the Venture X offers more comprehensive lounge access The Citi Strata Elite potentially has more credits, but they also take more effort to maximize I think the Venture X is easier to do the math on in terms of effortlessly recouping the annual fee, return on spending, etc. However, some people might be able to make the Citi Strata Elite work as well. Is the Capital One Venture X worth the $395 annual fee? The Capital One Venture X is worth it for most travelers. Its $395 annual fee is offset by a $300 annual Capital One Travel credit and 10,000 bonus miles every account anniversary (worth at least $100), before you earn a single mile on everyday spending. What is the Capital One Venture X welcome bonus? The Capital One Venture X offers new cardmembers 75,000 bonus miles after spending $4,000 within the first three months. At a valuation of 1.7 cents per mile, that bonus is worth roughly $1,275 in travel. Even at the guaranteed minimum of one cent per mile, it’s $750. How many miles does the Venture X earn? The Capital One Venture X earns 2x miles on every purchase, with no categories to track. Through Capital One Travel, it earns 10x on hotels and rental cars and 5x on flights and vacation rentals. At 1.7 cents per mile, 2x works out to about a 3.4% return on all spending. What credit score do you need for the Venture X? The Capital One Venture X has no published minimum score, but it’s generally aimed at applicants with good to excellent credit. Capital One doesn’t follow the strict application rules some issuers do, and many applicants report approvals across a range of credit profiles. Can I get the Venture X welcome bonus if I already have another Capital One card? The Capital One Venture X bonus is usually still available to you. It’s only off the table if you received a new cardmember bonus on this same product in the past 48 months. Holding the Venture, VentureOne, or Venture X Business doesn’t disqualify you. Does the Venture X have foreign transaction fees? The Capital One Venture X charges no foreign transaction fees, which can run around 3% on other cards, so you can use it abroad and still earn rewards. What airport lounge access does the Venture X include? The Capital One Venture X gives primary cardmembers access to Capital One Lounges, Capital One Landings, and a Priority Pass membership with 1,300+ lounges worldwide. Authorized users get the same access for $125 per person per year, for up to four users. Guest privileges at Capital One locations require $75,000 in annual spending. How do I use the $300 Capital One Travel credit? The Capital One Venture X’s $300 credit applies to any flight, hotel, or rental car booked through Capital One Travel, starting in your first year. The simplest way to use it is to book a flight of $300 or more and take $300 off. For most people it’s worth close to face value. How do the 10,000 anniversary miles work? The Capital One Venture X posts 10,000 bonus miles to your account automatically every year on your account anniversary. You can redeem them for at least $100 in travel, or transfer them to a Capital One airline or hotel partner for potentially more value. Is the Venture X a Visa or a Mastercard? Is it metal? The Capital One Venture X is a Visa Infinite card, and the card itself is made of metal. Bottom line The Capital One Venture X is Capital One’s premium personal travel card, and I’d argue it’s the single premium credit card that’s the easiest to justify with minimal effort. While the card has a $395 annual fee, that’s easy to justify thanks to the $300 annual Capital One Travel credit and 10,000 anniversary bonus miles. On top of that, the card offers a Priority Pass™ membership, Capital One Lounge access, Capital One Landing access, a great return on spending, and all kinds of other perks. If you want to learn more about the Venture X or want to apply, follow this link. Upon enrollment, accessible through the Capital One website or mobile app, eligible cardholders will remain at upgraded status level through the duration of the offer. Please note, enrolling through the normal Hertz Gold Plus Rewards enrollment process (e.g. at Hertz.com) will not automatically detect a cardholder as being eligible for the program and cardholders will not be automatically upgraded to the applicable status tier. Additional terms apply.For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.