Capital One Venture X: Fees, Miles & Travel Benefits

$395 annual fee. See the current Venture X product page for pricing and benefit changes. Eligible primary account holders receive a $300 annual Capital One Travel credit toward purchases made through Capital One Travel. It is portal-only, not cash, not a general statement credit, and not a value guarantee. The credit applies at Capital One Travel checkout, may be split across purchases, and expires on the next account-open-date anniversary. The account must be open and in good standing to receive or use it. Rewards are not earned on the credit; a cancelled purchase restores it only if it has not expired.

Unlimited 10X miles on hotels and rental cars booked through Capital One Travel. The booking must be through Capital One Travel; this does not extend to direct bookings or unlisted travel purchases. Unlimited 5X miles on flights and vacation rentals booked through Capital One Travel. The booking must be through Capital One Travel; this does not extend to direct bookings. Unlimited 2X miles on all other purchases, every day. Subject to the account rewards terms; miles are not a stated cash value. Capital One’s current table lists 5X miles for activities through Capital One Travel and Capital One Entertainment purchases. Activity bookings must be through Capital One Travel; Capital One Entertainment eligibility follows its platform terms, and rewards can be reclaimed for cancelled or returned purchases.

The primary Venture X cardholder has complimentary Capital One Lounge and Landing access. The account must be in good standing; a card or digital lounge pass and qualifying boarding pass are required, and access is subject to availability. Primary Venture X cardholders have complimentary participating Priority Pass lounge access after enrollment. The primary cardholder must enroll; only participating lounges qualify, and availability and Priority Pass terms apply. Additional cardholders, including authorized users and account managers, do not have complimentary lounge access under current rules. They may be added or retained without lounge access for no fee. Airport lounge access for an eligible additional cardholder can be purchased for $125 per person per year and includes unlimited Capital One Lounge, Landing, and participating Priority Pass access. The person must be at least 18, eligible for online access, and have a verifiable SSN; Venture X permits up to four additional cardholders. The fee charges to the primary cardholder, renews annually unless cancelled, cannot be paid with account credits, earns no rewards, and still requires Priority Pass enrollment. Current guest-pass prices are $45 per guest age 18 or older and $25 per guest age 17 or younger; children under two are free. These are per-visit fees. Entry requirements and availability apply; do not treat them as complimentary access. A primary or paid-access additional cardholder can buy a participating Priority Pass guest pass for $35 per visit per guest. Only participating lounges qualify. The $75,000 Capital One Lounge and Landing guest benefit does not apply to Priority Pass. At $75,000 in calendar-year combined net purchases, a primary cardholder can bring up to two complimentary Lounge guests and one complimentary Landing guest per visit; paid-access additional cardholders get the same benefit. The spend is combined across cardholders on the Venture X account. This does not apply to Priority Pass; cash advances, balance transfers, account fees, checks accessing the account, credits, and returns do not count. The $75,000 complimentary-guest benefit lasts for the calendar year earned, the following calendar year, and through the following January 31. The stated benefit is for Capital One Lounge and Landing access, not Priority Pass access. Visitors need a confirmed-seat boarding pass for a same-day departing or connecting flight; standard departure entry begins up to three hours before departure. Access is subject to availability. Visitors under 18 need a supervising parent or legal guardian; arriving passengers without a connection are not admitted.

Miles do not expire for the life of the account, but Capital One says unredeemed miles can be lost if the account is closed or not active or in good standing. The no-expiration statement applies for the life of the account; account status can affect unredeemed miles. Miles can book Capital One Travel inventory, cover an eligible recent travel purchase within 90 days, or be transferred to partners. Recent-purchase eligibility generally depends on merchant category code, and Capital One is not responsible for how a merchant assigns that code. Officially listed non-portal redemption routes include gift cards, statement-credit or check cash back, Amazon, PayPal, and Capital One Entertainment. An eligible account and any applicable platform terms apply. Capital One says redemption rates vary and are subject to change; routes do not imply equal value.

A partner transfer requires at least 1,000 Capital One miles and a name match between the Capital One and loyalty accounts. An eligible Capital One travel-rewards cardholder and matching loyalty account are required; partner participation, programs, and conversion ratios can change. Capital One currently lists most airline partners at 1:1, Emirates, EVA Air and Japan Airlines at 2:1.5, JetBlue at 5:3, Choice and Wyndham at 1:1, I Prefer at 1:2, and Accor at 2:1. A participating partner and its current terms apply. A conversion ratio is not a redemption-value guarantee. Finalized transfers cannot move back to Capital One; the receiving program’s terms apply. This applies after a Capital One miles transfer is finalized, and all redemptions are final.

The issuer-linked Visa Infinite guide describes primary rental collision and theft coverage for eligible rentals, up to actual cash value on cars with original MSRP up to $75,000. Use the eligible card to initiate and complete the rental and decline CDW, LDW, or a similar rental-company provision. The guide excludes liability, injury, personal belongings, other-car damage, specified vehicles and losses, rentals above 15 days in the country of residence or 31 days outside it, and listed countries including Israel, Jamaica, the Republic of Ireland, and Northern Ireland. Subject to the guide’s full terms, exclusions, provider decision, and later issuer notices; not guaranteed. The issuer-linked guide states up to $2,000 per insured person for covered nonrefundable Common Carrier tickets. The guide requires the entire trip cost to be charged, less specified certificates, vouchers, coupons, or rewards, and limits causes to its listed events. It lists exclusions including pre-existing conditions. Subject to full terms, exclusions, provider decision, and later issuer notices; not guaranteed. The issuer-linked guide states up to $500 per purchased ticket for reasonable additional expenses when a covered trip is delayed more than six hours or requires an overnight stay. At least part of the Common Carrier fare must be charged to the eligible account or associated rewards program; the guide limits the benefit to one claim per covered trip and lists covered hazards and exclusions. Subject to full terms, exclusions, provider decision, and later issuer notices; not guaranteed. The issuer-linked guide states up to $1,000,000 in qualifying Common Carrier travel-accident coverage. The entire passenger fare, less specified certificates, vouchers, or coupons, must be charged to the Capital One Visa Infinite account. Subject to the guide’s definitions, policy terms, claim process, exclusions, provider decision, and later issuer notices; not guaranteed. The issuer-linked guide states up to $3,000 per covered trip for qualifying lost luggage, with a $2,000-per-bag New York resident limit. The Common Carrier ticket cost must be paid in whole or part with the eligible account or rewards; loss must be through Common Carrier theft or misdirection. It is supplemental or excess to other collectible coverage and excludes listed items. Subject to full terms, exclusions, provider decision, and later issuer notices; not guaranteed. Eligible Venture X accounts can receive up to $120 for an eligible Global Entry or TSA PreCheck application fee, once per account every four years. Use an eligible U.S.-issued card and pay an official provider directly; the account must be open and in good standing at fulfillment. PayPal and another-card payments are ineligible, the credit only matches the fee up to $120, and Capital One can reverse it under listed conditions.