Venture X Rewards
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How we calculate effective rate →
The Venture X Rewards from Capital One earns up to 1% effective value on dining in Madeen's catalog snapshot. Its annual fee is $395. New applicants may see: Earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening..
- Top category
- Dining
- Effective value
- 1%
- Annual fee
- $395
Best for dining-heavy spend when the $395 fee fits your usage; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 2x points. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.
What does the Venture X Rewards earn in each category?
Dining is the strongest category at 1% effective value (2x points at about 0.5 cents each). That dining rate ranks higher than about 2% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Venture X Rewards compares across dining, grocery, gas, travel, and other spend.
Dining is the strongest category at 1% effective value (2x points at about 0.5 cents each). That dining rate ranks higher than about 2% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Venture X Rewards compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 2x points | 1% Top category |
| Grocery Supermarkets and grocery stores | 2x points | 1% |
| Gas Gas stations and fuel | 2x points | 1% |
| Travel Flights, hotels, transit | 2x points | 1% |
| Other General everyday spend | 2x points | 1% |
Madeen values Capital One Miles at about 0.5 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the Venture X Rewards?
The Venture X Rewards fits spenders who put meaningful volume in dining and can earn 2x points. Best for spenders who put meaningful volume in dining and can earn 2x points. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.
Venture X makes sense when you travel enough to use the lounge access and annual travel credits that offset its fee. Madeen shows whether its effective earn rate still beats simpler cards for the spend you actually run.
Best for spenders who put meaningful volume in dining and can earn 2x points. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.
Less compelling if the $395 annual fee is hard to offset. Mostly a flat base earn card without strong category bonuses.
Compare against Venture and your flat-rate fallback in Madeen before paying the premium fee.
Pros
- Premium travel benefits plus strong Capital One miles earning
- Can be compelling for frequent travelers who use the credits
Cons
- Annual fee is hard to justify for occasional trips
- Miles value still depends on how you redeem
What is the Venture X Rewards welcome bonus?
In Madeen's catalog snapshot, the Venture X Rewards welcome offer is Earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening.. Minimum spend, eligibility, and offer windows are set by the issuer and can change — confirm on the issuer application page before applying.
- Offer
- 75k Capital One Miles (~$375 estimated)
- Terms (catalog snapshot)
- Earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening.
- Minimum spend
- $4,000
- Window
- 3Months
Does the Venture X Rewards have an annual fee?
The Venture X Rewards has an annual fee of $395 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $395
- Foreign transaction fee
- None
Credit card APR ranges
Madeen matches this card to the CFPB Terms of Credit Card Plans survey for reference only. Always confirm the live issuer application and account terms before you apply.
| APR type | Range | Credit tier |
|---|---|---|
| Purchase APR | Not offered | Fixed rate shown in survey |
| Intro APR | Not offered | Fixed rate shown in survey |
| Balance transfer APR | Not offered | Fixed rate shown in survey |
| Cash advance APR | Not offered | Fixed rate shown in survey |
- Grace period:Not disclosed
- Minimum finance charge:Not disclosed
- Survey source: CFPB TCCP workbook
- APR by issuer
- APR ranges explainer
What travel perks does the Venture X Rewards include?
The Venture X Rewards includes Trusted traveler credit, Lounge access, $300 Annual Travel Credit, 10,000 Miles Anniversary Bonus and more in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Trusted traveler credit
Receive up to a $120 credit for Global Entry or TSA PreCheck
Lounge access
Capital One Lounges - Escape the airport crowd by visiting our all-inclusive Lounges—enjoy unlimited complimentary access for you and 2 guests per visit. Partner Lounge Network - Enjoy unlimited access for you and 2 guests to 1,300+ lounges worldwide from Priority Pass™ and Plaza Premium Group.
What benefits come with the Venture X Rewards?
Extended Warranty Protection
$10,000/yrWhen you use your covered Visa card for your eligible purchases Extended Warranty Protection will extend the term of your eligible manufacturer’s U.S. warranty by 1 additional year on eligible warranties of 3 years or less; for a manufacturer’s warranty of 3 months, the term is extended an additional 12 months for a combined total of 15 months of coverage; for warranties of one year or more an additional year of coverage is provided.
Cell Phone Protection
$7,200/yrProtect your cell phone every time you pay your bill with your Venture X card. If it’s stolen or damaged, you’ll get reimbursed up to $800.
Lost Luggage Reimbursement
$3,000/yrWhen you use your covered card to purchase an airline or common carrier ticket, you can be eligible to receive reimbursement for your checked luggage or carry-on baggage and their contents in the event of theft or misdirection by the airline or common carrier.
Travel Accident Insurance
$3,000/yrAdd peace of mind to your itinerary. Purchase your airline ticket with your covered Visa card and you can enjoy Travel Accident Insurance.
Return Protection
$1,000/yrWhen you use your covered Visa card to make an eligible purchase, you can get return protection if you are dissatisfied with your item within 90 days of purchase and the merchant will not accept the return.
Roadside Dispatch®
$1,000/yrThis is a pay-per-use roadside assistance program; available 24x7; Roadside Dispatch will ask for your location, find out what the problem is, and will remain on the phone with you while arranging a dispatch to a reliable tow operator or locksmith. You pay a set price per service call.
Trip Delay Reimbursement
$500/yrAnticipate delays when you purchase air travel with your covered Visa card. With Trip Delay coverage, you can receive up to $500.00 when you’re stuck for more than 6 hours due to a covered hazard such as equipment failure, inclement weather, strike and hijacking/skyjacking.
$300 Annual Travel Credit
$300/yrReceive an annual $300 credit for bookings through Capital One Travel.
Visa Infinite Concierge Services
$150/yrEnjoy 24/7 personalized assistance for travel planning, dinner reservations, sports, entertainment tickets and more. Available 365 days a year from home or abroad.
Complimentary PRIOR Subscription
$149/yrAccess extraordinary travel experiences, destination guides and more with a complimentary PRIOR Subscription (a $149 value).
Global Entry or TSA PreCheck® Credit
$120/yrReceive up to a $120 credit for Global Entry or TSA PreCheck®.
Global Entry Statement Credit
$120/yrApply for Global Entry, a U.S. Customs and Border Protection program and use your Visa Infinite card to pay the application fee (currently $120) to receive a $120 statement credit.
Related encyclopedia topics
What annual spend bonuses does the Venture X Rewards offer?
- Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
Common questions about the Venture X Rewards
How much is $100,000 Capital One miles worth?
Dining is the strongest Madeen category for the Venture X Rewards at about 1% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Venture X Rewards have an annual fee?
The Venture X Rewards carries an annual fee of $395 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Venture X Rewards?
Dining is the strongest Madeen category for the Venture X Rewards at about 1% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Venture X Rewards charge foreign transaction fees?
The Venture X Rewards does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
What is the Venture X Rewards welcome bonus?
The Venture X Rewards welcome offer in our snapshot: Earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening.. Minimum spend, eligibility, and offer windows are set by the issuer and can change.
Is the Venture X Rewards annual fee worth it?
Whether the $395 annual fee pays off depends on how much you spend in dining and whether you use the card's benefits. Compare effective rates across the cards you already carry in Madeen.
How does the Venture X Rewards compare to similar cards?
Compare the Venture X Rewards against Pottery Barn Key Rewards Visa (4% on Dining, $0 fee); SavorOne Dining Rewards (4% on Dining, $95 fee); The Key Rewards Visa (4% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Venture X Rewards This card | Dining | 1% | $395 |
Capital One | Dining | 4% | $0 |
Capital One | Dining | 4% | $95 |
Capital One | Dining | 4% | $0 |
Capital One | Dining | 4% | $0 |
Side-by-side comparisons
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Capital One and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Capital One. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
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