{"id":205500,"date":"2025-11-15T18:30:48","date_gmt":"2025-11-15T18:30:48","guid":{"rendered":"https:\/\/entertainment.runfyers.com\/index.php\/2025\/11\/15\/is-the-capital-one-venture-x-worth-the-annual-fee-the-points-guy\/"},"modified":"2025-11-15T18:30:48","modified_gmt":"2025-11-15T18:30:48","slug":"is-the-capital-one-venture-x-worth-the-annual-fee-the-points-guy","status":"publish","type":"post","link":"https:\/\/entertainment.runfyers.com\/index.php\/2025\/11\/15\/is-the-capital-one-venture-x-worth-the-annual-fee-the-points-guy\/","title":{"rendered":"Is the Capital One Venture X worth the annual fee? – The Points Guy"},"content":{"rendered":"


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Most frequent travelers can benefit from a premium credit card like the Capital One Venture X Rewards Credit Card<\/a>. However, the steep annual fees mean it’s important to carefully consider how useful the card’s perks will be for you.<\/p>\n

The Venture X is easier to justify than many other cards at its level since it has an annual fee of just $395. That’s $200 cheaper than the next most affordable premium card from a major issuer, the Citi Strata Elite\u2120 Card<\/a><\/span> (see rates and fees<\/a>).<\/p>\n

Here are the benefits that could make the Venture X worth a spot in your wallet.<\/p>\n

Welcome offer<\/h2>\n

The Venture X<\/a>‘s current welcome bonus matches the best-ever offer<\/a>: 100,000 bonus miles after spending $10,000 in the first six months of account opening.<\/p>\n

According to TPG’s November 2025 valuations<\/a>, these miles are pegged at 1.85 cents apiece, making this bonus worth $1,850.<\/p>\n

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THE POINTS GUY<\/figcaption><\/figure>\n

It’s worth noting that Capital One can be picky when approving credit card applications<\/a>; the bank is known for being very sensitive about the information on your credit report, including the number of recent hard inquiries, new accounts and accounts with other issuers.<\/p>\n

The value of this welcome bonus alone covers this card’s annual fee a few times over, but I personally believe that a great welcome offer alone isn’t enough to justify paying a premium annual fee. Fortunately, the Venture X has plenty of other perks to offer.<\/p>\n

Related: The ultimate guide to credit card application restrictions<\/a><\/strong><\/p>\n

Travel credit<\/h2>\n

The easiest way to recoup most of the Venture X<\/a>‘s annual fee is through its annual $300 Capital One Travel<\/a> credit. This likely won’t be enough to cover a hotel stay at a top property or a round-trip flight to Europe, but it’s a great way to pay for a long weekend getaway or a short stay at a boutique hotel.<\/p>\n

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CAPITAL ONE<\/figcaption><\/figure>\n

TPGers who hold the Venture X often highlight this credit as one of the top reasons they keep the card year after year. TPG senior points and miles writer Ben Smithson used his Venture X’s Capital One Travel credit<\/a> to cover a flight from Miami to the Caribbean. Contributing credit cards editor Matt Moffitt<\/a> uses his to cover Hertz car rentals.<\/p>\n

Related: How the Capital One Venture X travel credit can save you $300 on your next trip<\/a><\/strong><\/p>\n

Anniversary bonus miles<\/h2>\n

TPGers with the Venture X<\/a> generally use the value of the anniversary bonus miles to offset the remaining portion of the card’s annual fee after the Capital One Travel credit.<\/p>\n

The Venture X offers 10,000 bonus miles after each account anniversary. According to our November 2025 valuations, that’s $185 in value. Of course, that’s assuming you transfer your miles to Capital One’s travel partners<\/a>.<\/p>\n

Related: Who should (and shouldn’t) get the Capital One Venture X?<\/a><\/strong><\/p>\n

Lounge access<\/h2>\n

Venture X<\/a> cardholders have access to two types of lounges: Priority Pass<\/a> and Capital One’s own lounges<\/a> for themselves and up to two guests (guest access will be restricted<\/a> from Feb. 1, 2026).<\/p>\n

While Capital One’s lounge footprint isn’t as extensive as American Express’ Centurion Lounge network<\/a>, gaining access to these lounges through your Venture X can mean a lot if you live near or frequently transit through an airport with one.<\/p>\n

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KYLE OLSEN\/THE POINTS GUY<\/figcaption><\/figure>\n

Priority Pass access comes with virtually every worthwhile premium card, but it’s a valuable perk if you don’t already have a card that provides it.<\/p>\n

The exact monetary value of lounge access is hard to quantify since it depends on how often you visit lounges and what you actually do while you’re there. I typically value each lounge visit at around $30, as that’s likely what I’d spend on a nice meal if I weren’t in the lounge.<\/p>\n

However, if you aren’t eating a lot when you visit lounges and aren’t using the other amenities that may be included, you might value each visit a lot less.<\/p>\n

Related: Best credit cards for airport lounge access<\/a><\/strong><\/p>\n

Car rental perks<\/h2>\n

If you’re open to booking a rental car through an issuer’s travel portal, the Venture X<\/a> is a great option. You’ll earn 10 miles per dollar spent on car rentals booked through the portal, one of the best returns of any premium card.<\/p>\n

Venture X cardholders also receive top-tier Hertz President’s Circle status<\/a>*. Assuming you rent a car once or twice a year, this perk can offer significant value.<\/p>\n

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SCOTT MAYEROWITZ\/THE POINTS GUY<\/figcaption><\/figure>\n

After registering, you’ll receive guaranteed upgrades, the widest choice of cars when starting your rental and a free additional driver (which typically costs $13.50 per day, up to a maximum of $189 during your rental).<\/p>\n

*Upon enrollment, accessible through the Capital One website or mobile app, eligible cardholders will remain at that status level through the duration of the offer. Please note, enrolling through the normal Hertz Gold Plus Rewards enrollment process (i.e., at hertz.com<\/a>) 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.<\/i><\/p>\n

Related: Stacking rental car perks with Hertz and the Venture X<\/a><\/strong><\/p>\n

Access to luxury hotel programs<\/h2>\n

Venture X<\/a> cardholders can access Capital One’s Premier Collection<\/a> and Lifestyle Collection<\/a> hotel programs. Cardholders can pay cash or redeem their miles at a rate of 1 cent each to book stays.<\/p>\n

Benefits at top-tier Premier Collection properties include:<\/p>\n