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Capital One Venture X
The card that pays for itself with a $300 travel credit, 10k anniversary miles, and unlimited lounge access.
This credit card includes airport lounge access through participating lounge programs. Access eligibility, guest policies, and lounge availability vary by airport and may change over time. Credit card lounge access is not guaranteed and may be subject to capacity limits or restrictions. Learn how credit cards provide lounge access. In summary, lounge access depends on your card, the lounge network, and the specific airport. Learn more about airport lounges.
Last reviewed: . Card information is reviewed against the issuer's official benefit pages periodically; verify all terms on the issuer's site before applying.
The Good
- Welcome Bonus: 75,000 Miles (Spend $4k in 3 months)
- Earn 10X on Hotels/Rentals & 5X on Flights (Capital One Travel)
- Unlimited 2X Miles on all other purchases
- Free Additional Cardholders (with lounge access)
- Effective Annual Fee is negative (-$5) after benefits
The Bad
- $300 credit requires booking through Capital One Travel
- Transfer partners can be less valuable than Amex/Chase for some
- Approvals can be inconsistent (algorithm-based)
Lounge Access
3 lounge networks included
Guest Policy
2 guests per visit (Capital One & Priority Pass)
Purchase APR
19.49% - 28.49% Variable
Credit Score
Excellent (Good history required)
Is the annual fee worth it for you?
Set how often you would use a lounge and what one visit is worth to you. We compare that against this card's real $395 annual fee. This counts lounge value only, not credits, points, or other perks.
Starting point is a typical day-pass or guest fee. Adjust to match the airports you use.
- Estimated lounge value
- $400/yr
- Annual fee
- $395/yr
- Net for your usage
- +$5
At $50 per visit, you cover the fee at about 8 visits per year. This card opens 346 lounges we track.
Estimate only, not financial advice. It uses values you enter and excludes statement credits, points, taxes, and guest fees. Lounge access and day-pass prices change; verify with the issuer and lounge before you rely on these numbers.
Limited Time Offer
75,000 Bonus Miles
Offer Terms & Eligibility:
Spend $4,000 in first 3 months. Early Spend Bonus.Lounge Networks
3 IncludedAdditional Travel Perks
Lounges Capital One Venture X Opens
346 lounges tracked across 174 airports, derived from this card's network coverage.
Showing top 12 airports by lounge count. 162 more airports also have at least one lounge this card opens.
Coverage is derived from the lounge networks listed on this card and the lounges AirportLounge.com tracks. Specific lounge access can change without notice; verify on the operator's app or site before you travel.
Popular Airports With Lounges
Capital One Lounge and Priority Pass Select lounges are available at hundreds of airports worldwide