Capital One Venture X Rewards

The premium card to pick if you want lounge access without the Platinum's $695 sting; at $395 a year (as of 2026) the annual travel credit and 10,000-mile anniversary bonus claw back most of the fee. Flat 2x on everything means no category juggling, and a $30,000 spender earns 60,000 miles plus the renewal bonus. It loses to the Amex Platinum on sheer lounge breadth, so frequent international flyers may still prefer that. Verify current credit and lounge details on capitalone.com.

Capital One Venture X Rewards at a glance

Rewards & perks

• $300 travel credit each year
• 10,000 bonus miles on your account anniversary
• Lounge access
• 2x miles on every purchase

Pros

• Credits often add up to more than the fee
• Earns 2x miles with no cap
• Lounge access that extends to guests

Cons

• Needs excellent credit
• Pays off best when you book through the portal

Who should apply

• An excellent credit score
• May pull from all three credit bureaus

Before you apply: card terms change often. Confirm the current annual fee, APR, welcome offer and rewards on the official Capital One site. CreditCardCompare is an independent comparison resource, not the card issuer, and this is not financial advice.