Capital One Venture X
Wait
100K ran Nov 2025 – Jan 2026. Capital One's elevated offers have come in the fall, so a repeat in the next few months is plausible.
- Welcome offer
- 75K miles after $4K spend in 3 mo
- Best on record
- 100K miles after $10K spend in 6 mo (2025-11 to 2026-01)
- Annual fee
- $395
- Rewards rate
- 2x-10x Miles
- Regular APR
- 19.49%–28.49% Variable
- Recommended credit score
- Excellent credit
- Airport lounges
- Capital One Lounges and Landings, Priority Pass. Unlimited. No free guests since Feb 1, 2026 unless you spend $75K a year (then 2 free per Capital One Lounge visit). Guest pricing: Capital One Lounge $45 per adult, $25 under 18; Priority Pass $35; authorized-user lounge access $125 a year.
- Points go to
- Capital One Miles. Miles transfer to 18 airlines, mostly 1:1 and instantly.
Airline transfer partners
- Aeromexico Rewards 1:1
- Air Canada Aeroplan 1:1
- Air France-KLM Flying Blue 1:1
- Avianca LifeMiles 1:1
- British Airways Club 1:1
- Cathay Pacific 1:1
- Emirates Skywards 1:1
- Etihad Guest 1:1
- EVA Air Infinity MileageLands 4:3
- Finnair Plus 1:1
- Japan Airlines Mileage Bank 4:3
- JetBlue TrueBlue 5:3
- Qantas Frequent Flyer 1:1
- Qatar Airways Privilege Club 1:1
- Singapore KrisFlyer 1:1
- TAP Miles&Go 1:1
- Turkish Miles&Smiles 1:1
- Virgin Red 1:1
Our opinion, not financial advice. Offers shown are public offers as of the last check; the offer you see when you apply may differ and approval isn't guaranteed. Confirm terms on the issuer's application page. Card and brand names are trademarks of their owners; this site is independent and not affiliated with any bank or airline. Links go to other sites we don't control; a link isn't an endorsement. Full disclosures.