Unlimited 2X miles on all eligible purchases, and 5 Miles per dollar on flights and 10 Miles per dollar on hotels and rental cars when booked via Capital One Travel portal
Earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening
19.99% – 29.99% variable APR
Balance transfer fee
$0 at the Transfer APR, 4% of the amount of each transferred balance that posts to your account at a promotional APR that Capital One may offer to you
Foreign transaction fees
The Capital One Venture X Rewards Credit Card has a hefty $395 annual fee but comes with many perks that can make the fee worth paying.
Every year, cardholders receive a $300 Capital One Travel credit. Cardholders also get a 10,000-mile anniversary bonus, which is worth at least $100 toward travel. These two benefits alone can offset the card’s annual fee year after year.
Other benefits include:
*Benefit only available to accounts approved for the Visa Signature card. Terms apply.
FICO® Score is one of the most commonly used credit scoring models, and it classifies credit scores as follows:
- Very poor: 300 to 579
- Fair: 580 to 669
- Good: 670 to 739
- Very good: 740 to 799
- Excellent: 800 to 850
Your approval odds for the Capital One Venture X Card are best if your credit score is 740 or higher. Keep in mind, that other factors go into your application as well, including your income and relationship with Capital One.
Capital One doesn’t have many official application restrictions, but reports suggest that you can only have two personal Capital One cards at a time. This limit typically doesn’t include small business credit cards and co-branded credit cards, such as the Capital One Spark Miles for Business or Capital One Walmart Rewards® Mastercard®. You also won’t be eligible for this card if you’ve received a Capital One Venture X welcome bonus in the past 48 months.
Improving your FICO® Score
- Payment history (35%)
- Amounts owed (30%)
- Length of credit history (15%)
- New credit (10%)
- Credit mix (10%)
Since the amount of debt you owe and your payment history are weighted more heavily, this is what you can focus on to give yourself the best chance of improving your credit score. Building your credit history or repairing your credit score after a rough patch, will take time. However, there are options for lifting your credit score in the short term, although this won’t necessarily improve your credit card application odds.
Experian Boost™* and eCredable Lift, are services that allow you to add additional information to certain credit reports, such as utility payments or payments to streaming services. It’s possible that adding this activity to your credit history could boost your score but even in that scenario, there’s no guarantee that the lender will consider this information in your application.
On Experian’s secure site
Average credit score increase
13 points, though results vary
Credit report affected
Credit scoring model used
Results will vary. See website for details.
What is the 48-month rule for Capital One cards?
Is it hard to get approved for the Capital One Venture X?
What income do you need to be approved for a Venture X card?
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*Results may vary. Some may not see improved scores or approval odds. Not all lenders use Experian credit files, and not all lenders use scores impacted by Experian Boost.
Editorial Note: Opinions, analyses, reviews or recommendations expressed in this article are those of the Select editorial staff’s alone, and have not been reviewed, approved or otherwise endorsed by any third party.