Capital One Venture X Credit Card Review (2025.11 Update: 100k Offer)
2025.11 Renewal: New supply is 100K!
2023.12 Renewal: 90k offer has expired. Current supply is 75k.
2023.9 Renewal: There is a special link for the 90k offer. HT: USCardForum TECElvis.
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Benefits
- 100k offer: Get one 100,000 capital miles after spending $10,000 in the first 6 months.
- Get 10X unlimited miles on hotels and car rentals booked with one-way travel and 5x miles on flights booked with one-way travel, and 2x unlimited miles on all other purchases.
- The total value of capital miles for one mile is 1.6 cent / Point. See below for a brief introduction.
- Earn 10,000 miles every year, starting on your first day. No spending is required.
- Annual travel credit (membership year): Get up to $300 in statement credits when you book a single trip.
- Free First Time Authorized User Cards.
- Complimentary access to the following lounges (for both premium cardholders and authorized users):
- Capital One Lounges, 2 complimentary guests.
- Next priority (PPS) Lounges, 2 accompanying guests. Authorized users will receive a separate PPS card.
- Plaza Premium Lounges, 2 accompanying guests.
- Membership of Herz by Herz routes (for both primary cardholders and authorized users).
- Up to $120 global check-in credit or TSA Precheck application fee.
- Cell Phone Protection: Get $800 per claim and 2 claims per year cell phone protection with coverage for damage or damage to phones listed on your monthly cell phone bill when you pay with your eligible credit card. Deductible $50.
- There is no foreign exchange fee.
Bad
- The annual fee is not waived for the first year.
- One capital will pull all three leading credit bureaus (nation, Trunenion, equifax) with one credit card application!
Introduction to Capital One (C1) miles
- You can earn C1 miles with two types of cards: earning miles cards, or free cashback cards. Mileage earning cards include: Capital One Venture Rewards Card, Capital One VentureOne Rewards Card, Capital One Spark Miles for business. Cashback Rating cards mainly include Capital Precis Real Card Reward credit card, Capital One One Quvorone Revuals Card Real Card Reward Card, Capital One QuickSilver Cash Reward Card Card, Capital One Spark Cash Plus etc.
- You can transfer your C1 miles from one mileage earning card to another mileage earning card at any time, and you can transfer your money to a mileage earning card at any time. However, you cannot transfer your miles from a mileage card to a cash card, so the refund is more flexible than the miles in the C1 program.
- C1 miles never expire. You will lose C1 miles on one card if you close the account, but you can prevent losing your C1 miles by transferring points to another C1 card ahead of time.
- If you have a loyalty card, C1 miles can be transferred to other airline miles and hotel points. Other good 1:1 transfer options are: Air Canada (AC) (Star Alliance), Avianca (AV) (Avia Alias (CX) (CX) (CX) (CX) (CX) (CX) (CX) (CX) (CX) (CX) (CX) (CX) (CX) (CX) (CX) (CX) (CX) (CX) (CX) (CX) (CX) (CX) (CX) (CX) (CX) (CX) (CX) (CX) (CX) (CX) (CX) (CX) (CX) (CX) (CX) (CX) (CX) (CX) (CX) (CX) (CX) (CX) (CX) (CX) (CX) (CX) (Cx)
- You can redeem your C1 miles for travel expenses at a limited rate of 1.0 cents / point. You can also redeem your C1 miles for select RIOT merchant gift cards for REOOT 1.0.
- You can redeem your C1 miles via statement for a limited rate of 0.5 cents.
- In summary, we estimate that C1 miles cost 1.6 cents.
Recommended application period
- We recommend that you apply for this card after you have a credit history of at least two years and are very comfortable with the credit card game.
- [New] [48 month rule] You are not eligible for this product if you received a new Capital Venture X Cardmember bonus on the card within the last 48 months.
- [1/6 rule] You can apply for one credit card for one six-month period, including personal and business credit cards. You will get an automatic disclaimer if you break this rule, but there will be no hard pull.
To put it briefly
The offer received is good. The rewards of investing are similar to venture capital but slightly improved.
The benefit of holding this card is great, the PPS card and the President of Hertz Circle Giallervity are usable, especially to process you can get these benefits of the first approved user cards 4 for free!
The annual fee is $395, but you get a $300 Travel Credit and 10K Annivil Bonurs Miles. The $300 travel credit needs to be booked through Capital One Portal, its flexibility is not as good as CSR or Citi Prestige, but it should be easy to use. 10k miles cost about $160. So this card pays for itself.
Capital One has improved its mileage program over the years, these days the transfer rate is almost always one
Overall, this card is a good card, as long as you can be admitted (which is hard) it is a good card to have.
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