I’ve simply paid my third annual price for the Capital One Venture X Rewards Credit Card, and I did so with zero hesitation.
The reason being easy: Yr after yr, this card basically pays me to maintain it open, and I come out forward.
Here is why this card has been probably the most rewarding I’ve ever held — lengthy after the joy of the first-year welcome bonus wore off — and why I plan to maintain it for years to come back.
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Why I am joyful to pay the annual price once more
Whereas the $395 annual price on the Venture X isn’t insignificant, it’s decrease than the annual price of most competitors’ premium cards.
In my second yr, I utilized the cardboard’s advantages to obtain nearly $800 in value from a Caribbean winter getaway to the gorgeous, sunny island of Grenada, together with my prices for TSA PreCheck and Global Entry, which I am loving as they proceed to avoid wasting me a big period of time each time I move by a U.S. airport.
Listed here are the advantages I worth in my third yr of card membership:
- Annual credit score: $300 in credits every cardmember yr for bookings made by the Capital One Journey portal.
- Anniversary bonus: 10,000 bonus miles each account anniversary (beginning on my first anniversary), price $185 by TPG’s December 2025 valuations.
- Lounge entry: Complimentary entry for myself plus as much as two friends to Capital One Lounges and over 1,800 Priority Pass lounges. Sadly, guest lounge access will be tightened in 2026.
- Spectacular portal incomes charges: I earn 10 miles per greenback spent on inns and automobile leases, and 5 miles per greenback spent on trip leases and flights booked through Capital One Journey.
- Terrific on a regular basis incomes charges: I earn 2 miles per greenback spent on all other purchases.
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The $300 Capital One Journey credit score and 10,000 anniversary miles simply cowl the $395 annual price for me annually, so the lounge entry and beneficiant incomes charges push me additional forward as I earn tens of hundreds of Capital One miles on this card over and above the anniversary bonus annually.
Associated: Highest offer in 4 years: Just how good is the Capital One Venture X’s 100,000‑mile bonus?
Enterprise X is the default in my pockets
I’ve a lot of travel credit cards with completely different perks and incomes charges. It may be exhausting making an attempt to recollect which card earns bonus rewards each time I must pay for one thing, particularly if there is a line of individuals behind me in a busy cafe or bar.
My Venture X card earns 2 miles per greenback spent on all purchases, which is increased than every other card I personal, together with the favored Chase Sapphire Preferred® Card (see rates and fees). That is why I’ve set it because the default card in my Google Pay app.
My husband is a certified person on all of my playing cards, and whereas he loves the advantages of redeeming factors and miles, like snagging an award seat in Qatar Airways’ Qsuite business class, he isn’t practically as obsessive about bank cards as I’m.
It is not logical for him to memorize incomes charges throughout a number of playing cards, so I’ve set him up with the Enterprise X card as his default card in Google Pay. This manner, when unsure, he can merely faucet to pay and earn 2 miles per greenback spent.
How I am maximizing my Enterprise X as a third-year cardholder
In 2026, I’m planning a tour of the Kentucky Bourbon Path.
I am going to use the $300 journey credit score from my Enterprise X to cut back the lodge prices in Lexington, the place the excursions go away from. As I will be staying a number of nights, the overall lodging prices will seemingly exceed $300. Nevertheless, for any out-of-pocket lodge prices over that quantity, I am going to earn 10 miles per greenback spent by reserving my keep by the Capital One Journey portal.
I will fly into Cincinnati/Northern Kentucky Worldwide Airport (CVG) on British Airways from London, so I’ll use the ten,000 anniversary miles (in addition to tens of hundreds of miles I’ve earned on the cardboard within the final yr) to pay for the flights by transferring them to the British Airways Club program at a 1:1 ratio.
On condition that I am going to want a automobile to drive from Cincinnati to Lexington, I am going to guide this by Capital One Journey as nicely, each to earn 10 miles per greenback spent and to make the most of the built-in auto rental collision damage waiver, which I hopefully will not want to make use of.
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Backside line
My Enterprise X card retains its place because the go-to card in my pockets as a result of its worth outweighs the annual price.
And at the moment, new candidates can earn a best-ever welcome bonus of 100,000 bonus miles after spending $10,000 on purchases inside the first six months of account opening, so should you’ve ever thought of including this card to your pockets, there’s by no means been a greater time to apply now.