Capital One Venture X Rewards Credit Card Review

In the event you’re like me, you’re all the time looking out for methods to make your adventures extra inexpensive and pleasurable. That’s why I gather factors and miles. They assist me journey longer, higher, and cheaper.

Right now I need to speak about a card that’s been rising in reputation over the previous few years: the Capital One Venture X Rewards Credit Card. It’s designed for vacationers who need to simply rack up miles with out having to maintain observe of bonus classes.

And, up to now couple of years, they’ve actually improved the cardboard. It’s one of many fundamental playing cards I exploit now as a result of I really like their journey portal, their switch companions, and all of the perks that include the cardboard.

With a hefty sign-up bonus, premium journey advantages, and a formidable rewards construction, the Enterprise X is price contemplating if you happen to’re on the lookout for a brand new card. Right here’s the whole lot it’s worthwhile to know concerning the card and why I believe you need to contemplate getting it:

What’s the Capital One Enterprise X Rewards Credit score Card?

The Capital One Venture X Rewards Credit Card is a journey rewards card issued by Capital One. What I really like about this card is its miles system. For each greenback you spend, you earn two miles, which (together with the lower-fee Capital One Venture Rewards Card) is exclusive amongst journey bank cards. There’s additionally no extra price for as much as 4 approved customers, making this a superb choice for households who want a number of playing cards.

Along with incomes at the very least 2x miles on each buy, you may earn miles the next methods:

• 75,000 bonus miles once you spend $4,000 on purchases within the first three months after opening the account
• 10x miles on accommodations and rental vehicles booked by means of Capital One Journey
• 5x miles on flights and trip leases booked by means of Capital One Journey

Different Perks and Advantages of the Capital One Enterprise X

Apart from incomes miles, the Enterprise X packs a punch with its vary of perks:

• $300 journey credit score when reserving by means of the Capital One portal
• As much as $120 credit score for International Entry or TSA PreCheck
• Limitless complimentary entry to Capital One, Precedence Cross, and Plaza Premium lounges
• 10,000 bonus miles yearly, beginning in your first anniversary
• $100 expertise credit score and different premium advantages with each resort and trip rental booked from the Premier Assortment
• Journey insurance coverage protection, together with major automobile rental insurance coverage, journey interruption and cancellation, and baggage reimbursement
• No international transaction charges

With an annual price of $395, it’s additionally the most affordable premium travel card on the market (plus, if you should utilize the $300 journey credit score, that brings the price all the way down to a manageable $95).

Utilizing Your Capital One Miles

Capital One miles will be redeemed in a couple of methods. One is by reserving journey instantly by means of Capital One’s portal. Whereas I usually don’t recommend booking through credit card portals, to completely profit from the Enterprise X’s journey credit score, you’ll must e-book at the very least $300 price of journey this fashion.

An alternative choice is to make use of your miles to get reimbursed for any journey buy. For 90 days after making such a purchase order, you may reimburse your self at a redemption charge of 1 cent per mile. After 90 days, and for all different purchases, you should utilize miles as money again, at a redemption charge of 0.5 cents per mile (however keep away from doing this, because it’s not a superb worth).

Nonetheless, you’ll get essentially the most out of your miles by transferring them to Capital One’s 15+ airline and resort companions. Whereas the precise worth varies based mostly on what you e-book, you may normally discover airline and resort redemptions price rather more than the aforementioned one cent per mile. (The method is fairly easy and will be finished by means of your Capital One account.)

Listed below are Capital One’s present journey companions:

• Accor Reside Limitless
• Aeromexico Membership Premier
• Air Canada Aeroplan
• Air France/KLM Flying Blue
• Avianca LifeMiles
• British Airways Government Membership
• Cathay Pacific Asia Miles
• Selection Privileges
• Emirates Skywards
• Etihad Airways Visitor
• EVA Air Infinity MileageLands
• Finnair Plus
• Qantas Frequent Flyer
• Singapore Airways KrisFlyer
• TAP Portugal Miles&Go
• Turkish Airways Miles&Smiles
• Virgin Pink
• Wyndham Rewards

Utilizing switch companions is a game-changer if you happen to’re seeking to maximize the worth of your miles. That’s why, except I discover a tremendous low cost flight or resort room (lower than $150 USD), I all the time switch miles to Capital One’s journey companions. That’s very true when reserving enterprise class flights or fancy resort rooms. You simply get extra worth in your cash.

Plus, with instruments like point.me and Awayz (search engines like google and yahoo that allow you to discover the most effective flights and accommodations to e-book with miles), it’s simpler than ever to search out the most effective redemption choices.

Professionals of the Capital One Enterprise X

• Substantial welcome provide
• 2x miles on each buy
• $300 annual journey credit score
• 15+ switch companions
• Journey accident and automobile rental insurance coverage
• As much as a $120 credit score for International Entry or TSA PreCheck
• Entry to Capital One and Precedence Cross airport lounges
• No international transaction charges

Cons of the Capital One Enterprise X

• Steep $395 annual price
• Should use Capital One’s Journey Portal to make the most of some advantages (e.g., 10x miles per greenback on accommodations, trip leases, and rental vehicles)
• Switch companions are a bit missing (no US airways and never the most effective accommodations)

Who is that this card for?

The Capital One Enterprise X is greatest for frequent vacationers who need a easy card with a better incomes charge on all purchases. In the event you ceaselessly fly and keep in accommodations, and are prepared to pay an annual price for premium advantages, this card is tailor-made for you.

Who is that this card not for?

On the flip facet, if you happen to’re not a frequent traveler or don’t spend sufficient to offset the $395 annual price, the Enterprise X may not be the most effective match. It’s additionally not ideally suited if you happen to’re on the lookout for a card with a excessive rewards charge in particular classes like eating or groceries.

In the event you journey sometimes or choose a decrease annual price, you would possibly need to pick another card that higher aligns along with your spending habits and journey frequency. As a result of there isn’t a proper card — solely the cardboard that’s best for you!

The Capital One Venture X Rewards Credit Card is a powerhouse for many who journey usually and need to take pleasure in top-tier perks. Weigh the professionals and cons to see if it’s the suitable match in your journey life-style however I wager it’s! Like I stated within the intro, it’s certainly one of my favourite playing cards and I undoubtedly advocate getting it.