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Plenty of premium travel credit cards promise "luxury," but what they actually deliver is a mess of hoops, fine print, and perks that require a spreadsheet to manage.
The Capital One Venture X Rewards Credit Card (see rates and fees) takes a different approach. It keeps things simple and generous. You'll get strong rewards, annual travel credits that actually save you money, and a welcome bonus that packs a punch. All for an annual fee that's surprisingly easy to recoup, even for casual travelers.
It's sleek, easy to use, and offers impressive value for anyone who travels a few times a year while keeping your rewards game low-maintenance.
On Capital One's Secure Website.
On Capital One's Secure Website.
Excellent (740-850)
Intro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
19.99% - 29.24% (Variable)
Rewards Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals booked through Capital One Travel. Earn unlimited 2X miles on all other purchases.
2X-10X miles
Annual Fee
$395
Welcome Offer 75,000 Miles when you spend $4,000 on purchases in the first 3 months from account opening
75,000 Miles
If you want premium travel perks that easily justify their cost, this card delivers. You’ll get a $300 annual credit for bookings through Capital One Travel, plus 10,000 bonus miles every account anniversary (worth $100 toward travel) — perks that already offset the $395 annual fee.
Add a 75,000-mile welcome bonus (worth $750 toward travel), unlimited 2X miles on everyday purchases, airport lounge access, and Global Entry/TSA PreCheck® credits, and you’ve got one of the strongest premium travel cards available today.
At Motley Fool Money, we rate credit cards on a five-star scale (1 = poor, 5 = best). Our rating criteria includes rewards rates and 0% intro APR offers, welcome bonuses, fees, and perks like travel credits and purchase protections.
Our highest-rated credit cards have:
We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best credit card recommendations. Our aim is to maintain a balanced best-of list featuring top-scoring credit cards from reputable brands. 'Best for' category selections on this page are determined by our editors, and a single card may be recognized in multiple categories.
Ordering within lists is influenced by advertiser compensation, including featured placements at the top of a given list, but our product recommendations are NEVER influenced by advertisers. Learn more about how Motley Fool Money rates credit cards.
At Motley Fool Money, we rate credit cards on a five-star scale (1 = poor, 5 = best). Our rating criteria includes rewards rates and 0% intro APR offers, welcome bonuses, fees, and perks like travel credits and purchase protections.
Our highest-rated credit cards have:
We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best credit card recommendations. Our aim is to maintain a balanced best-of list featuring top-scoring credit cards from reputable brands. 'Best for' category selections on this page are determined by our editors, and a single card may be recognized in multiple categories.
Ordering within lists is influenced by advertiser compensation, including featured placements at the top of a given list, but our product recommendations are NEVER influenced by advertisers. Learn more about how Motley Fool Money rates credit cards.
Let's talk about math. The $395 annual fee (see rates and fees) feels like a deal when you factor in:
That's $400 in value back each year. If you book just $300 in travel annually through the portal, you've already made your money back and then some. No monthly credits to remember. Just book travel, get rewarded, and move on.
While other cards try to win you over with 5X here and 3X points there (only on Tuesdays, and only if Mercury is in retrograde), the Capital One Venture X Card keeps it straightforward:
It's the kind of card you can use every day, not just when you remember which category is earning more this quarter.
Most cards make you choose: either get solid travel perks or earn decent flat-rate rewards. Capital One Venture X Card says, "Why not both?"
You'll earn 2X miles on all other purchases outside the 5X and 10X categories -- putting it in direct competition with popular flat-rate cash back cards -- plus it gives you premium benefits like lounge access, annual travel credits, and transfer partners.
That dual identity makes it super versatile: It's a strong everyday card and a high-end travel tool in one.
Are these perks sounding right for you? Apply for the Capital One Venture X Rewards Credit Card today.
We recommend comparing options to ensure the card you're selecting is the best fit for you. To make your search easier, here's a short list of standout credit cards.
Offer | Our Rating | Welcome Offer | Rewards Program | APR | Learn More |
---|---|---|---|---|---|
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
|
Discover will match all the cash back you’ve earned at the end of your first year. INTRO OFFER: Unlimited Cashback Match for all new cardmembers–only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300. | 1% - 5% Cashback Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases. |
Intro: Purchases: 0%, 15 months Balance Transfers: 0%, 15 months Regular: 18.24% - 27.24% Variable APR |
||
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
|
N/A | N/A |
Intro: 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers Purchases: 0% intro APR, 21 months from account opening Balance Transfers: 0% intro APR, 21 months from account opening on qualifying balance transfers Regular: 17.24%, 23.74%, or 28.99% Variable APR |
||
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Apply Now for Bank of America® Travel Rewards credit card
On Bank of America's Secure Website. |
4.70/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
|
25,000 points 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases | 1.5-3 points per dollar Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees, and your points don't expire as long as your account remains open. Earn 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center. |
Intro: 0% Intro APR for 15 billing cycles for purchases. 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.24% - 28.24% Variable APR on purchases and balance transfers will apply. A 3% fee for 60 days from account opening, then 4% fee applies to all balance transfers. Balance transfers may not be used to pay any account provided by Bank of America. Purchases: 0% Intro APR for 15 billing cycles for purchases Balance Transfers: 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days Regular: 18.24% - 28.24% (Variable) |
Apply Now for Bank of America® Travel Rewards credit card
On Bank of America's Secure Website. |
To get the $300 travel credit and earn 5X-10X miles, you must book through Capital One's portal. It's solid -- and improving -- but not everyone wants to use a third-party site instead of booking direct.
Capital One has solid airline partners like Air France and Avianca, but no direct transfers to major U.S. airlines like Delta, United, or Southwest. If you're deep into the points-and-miles game, this could limit your redemption options.
Capital One's airport lounge access has been one of the biggest draws of the Capital One Venture X Card, and while it's still strong, it's getting dialed back. Starting Feb. 1, 2026, authorized users will no longer get complimentary lounge access.
You still get solid lounge access as the primary cardholder, but these changes take away a big chunk of the "bring-your-friends" value that once made this card feel like a steal.
For most travelers, absolutely. This is one of the few premium cards where the break-even point is so easy it feels like a cheat code. Book $300 in travel? Check. Get 10,000 miles every year? Done. That's $400 in value for a $395 fee -- and we haven't even factored in the lounge access, rewards, or welcome bonus.
If you're someone who travels even semi-regularly, this card delivers way more than it costs -- without making you work for it.
You can apply right here from this page. You'll need excellent credit (typically 740+), but some applicants with slightly lower scores have been approved.
Click here to apply for the Capital One Venture X Rewards Credit Card.
The Capital One Venture X Card stands out because it doesn't overcomplicate things. You get premium travel perks, strong rewards, and an annual fee that's almost too easy to justify. No confusing benefit trackers, no juggling three cards to maximize rewards -- just great value with every swipe.
If you're looking for a top-tier travel card that delivers luxury without the learning curve, this one should be at the top of your list. Apply today and start earning.
Nope. You can swipe this card abroad without worrying about extra fees -- perfect for international travel.
The 75,000 Miles are worth at least $750 toward travel, and potentially more if you transfer to airline partners. That's a strong return on a $4,000 spend in the first 3 months.
Yes -- and it's free to add them. They'll get their own Priority Pass membership, which includes airport lounge access, even when they're not traveling with you.
It's much better than it used to be. You'll find competitive prices, a user-friendly interface, and a price-drop protection feature -- but you may not always find the same deals you'd see booking directly.
We're firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. Motley Fool Money does not cover all offers on the market. Motley Fool Money is 100% owned and operated by The Motley Fool. Our knowledgeable team of personal finance editors and analysts are employed by The Motley Fool and held to the same set of publishing standards and editorial integrity while maintaining professional separation from the analysts and editors on other Motley Fool brands. Terms may apply to offers listed on this page.
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