Apply Now: Incredible Capital One Venture X Card 100K Bonus

Apply Now: Incredible Capital One Venture X Card 100K Bonus

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Link: Apply now for the Capital One Venture X Rewards Credit Card (this is the best publicly available offer for the card, and we appreciate your support if you use our link)

The Capital One Venture X Credit Card recently started accepting applications. This is Capital One’s new ultra-premium credit card, and I’d say it’s almost too good to be true. It’s not often I give advice this generalized, but I think just about everyone looking to earn travel rewards should pick up this card. It’s that amazing. I wanted to take an updated look at the card, to reflect everything we’ve learned about it since launch.

Details of the Capital One Venture X

The $395 annual fee Capital One Venture X is Capital One’s new premium travel rewards credit card, competing with cards like the Chase Sapphire Reserve® Card (review). The Venture X offers a huge sign-up bonus, a minimum of 2x Venture miles on all purchases, a $300 travel credit and 10,000 bonus miles annually, and unlimited access to Capital One Lounges, along with a Priority Pass membership, for both the primary cardmember and authorized users.

This card almost seems too generous, so let’s go over the details.

Capital One has launched the Venture X

Capital One Venture X sign-up bonus: 100K miles & more

The Capital One Venture X is offering a very lucrative sign-up bonus to celebrate the card’s launch:

  • Earn 100,000 bonus miles after spending $10,000 on purchases within the first six months
  • For a limited time, receive up to $200 in statement credits for vacation rentals; this needs to be used within your first year as a cardmember, and can be applied towards a single purchase that’s greater than or equal to $200, with eligible merchants including Airbnb, Turnkey, Vacasa, and VRBO

Personally I value Capital One miles at 1.7 cents each, so to me the 100,000 Venture miles are worth ~$1,700. Add in the $200 vacation rental credit, and this bonus is potentially worth up to $1,900, by my valuation. That’s the most lucrative credit card bonus out there.

Note that you’re eligible for this card (including the bonus) even if you have the standard Venture product, so you can apply outright. While there may be opportunities to product change, you won’t receive the new cardmember bonus if you go that route.

Book awesome travel with 100K Venture miles

Capital One Venture X annual fee: $395

The Capital One Venture X has a $395 annual fee, and there is no cost to add up to four authorized users (which is a major perk, given the benefits that authorized users receive).

For anyone who travels with any frequency, the annual fee should more than pay for itself, thanks to the ongoing perks, particularly the $300 annual travel credit and 10,000 anniversary bonus miles.

Capital One Venture X return on spending: 2x miles everywhere & more

The Capital One Venture X rewards structure builds on the basics of the Capital One Venture, but is even better. The card offers:

  • 10x Venture miles on hotels and rental cars booked via Capital One Travel
  • 5x Venture miles on flights booked via Capital One Travel
  • 2x Venture miles on all other purchases
  • The card has no foreign transaction fees, making this ideal for purchases abroad

Most noteworthy is the return on everyday spending, as the card offers 2x Venture miles per dollar spent. Capital One miles are extremely valuable, and can either be redeemed for one cent each towards the cost of a travel purchase, or can be transfered to Capital One’s travel partners at a ratio of up to 1:1. Earning two airline miles per dollar spent is awesome.

Furthermore, ordinarily I’m opposed to booking travel through credit card portals, but Capital One Travel is well done and has some unique features, including savings on flights, 24/7 alert technology with price changes, and the ability to freeze the price of a flight and come back 14 days later to book it.

Airline miles will rack up quickly with the Venture X

Capital One Venture X perks: $300 travel credit, 10K bonus miles, & more

This is where the card shines. As mentioned above, the Capital One Venture X has a $395 annual fee, but the card offers two major annual benefits:

Between those two benefits alone, that’s $470 worth of value annually for a $395 annual fee card. And that doesn’t even account for the other perks (including airport lounge access), which I’ll cover below.

Get a $300 annual travel credit with the Venture X

Furthermore, there are some more Capital One Venture X perks & benefits that are worth being aware of:

  • The Capital One Venture X offers a TSA Pre-Check or Global Entry fee credit once every four years
  • The Capital One Venture X offers Hertz President’s Circle status for the primary cardmember and authorized users, offering perks like being able to skip the counter, guaranteed upgrades, free additional drivers, and more
  • The Capital One Venture X is a Visa Infinite Card, and therefore offers other car rental perks as well, including National Emerald Club Executive status, and savings with Avis and Silvercar
Receive rental car perks with the Venture X

Capital One Venture X lounge access: Capital One Lounges & Priority Pass

Capital One is opening up airport lounges, and the Venture X Card has some very nice lounge access perks:

Here’s the kicker, though — you can add up to four authorized users to the Capital One Venture X at no cost, and they also get the same lounge access benefits, including access to Capital One Lounges, as well as a Priority Pass membership. That’s unbelievably generous, and truly unrivaled.

Access Capital One Lounges with the Venture X

Capital One Venture X purchase protection: car rentals, travel, and cell phones

One thing that a lot of people look for in premium credit cards is great purchase protection. The Capital One Venture X is a Visa Infinite Card, and as a result it offers some valuable peace of mind:

  • For car rentals, the Venture X offers primary rental car coverage; just decline the collision damage waiver offered by the car rental company, and pay for the full price of the rental with your card
  • For cell phones, the Venture X offers cell phone protection; just pay your monthly bill with the card, and you’ll be protected for up to $800 if your phone is stolen or damaged, minus a $50 deductible
  • For flights, the Venture X offers trip delay reimbursement; pay for your airline ticket with the card, and if you’re delayed by more than six hours or have an overnight stay, you can be reimbursed up to $500 for reasonable expenses incurred because of the delay
  • For luggage, the Venture X offers lost luggage reimbursement; pay for your airline ticket with the card, and if your bag is lost, you can be reimbursed up to $3,000 per trip

Of course you’ll want to consult the cardmember agreement for all the terms, since there are always some restrictions associated with this coverage. But this is incredibly well rounded coverage, and what I look for in a premium card.

Receive cell phone protection with the Venture X

Getting approved for the Capital One Venture X

Capital One can be a quirky card issuer when it comes to getting approved for cards. Anecdotal reports suggest that a lot of people are having luck with approvals for the Capital One Venture X, which is great. A few things to note:

  • Yes, you are eligible for the Capital One Venture X (including the bonus) even if you have the Capital One Venture, but you need to apply outright; product changing doesn’t qualify for the bonus
  • If you’re added as an authorized user on the Capital One Venture X (or any other Capital One card), you are eligible to apply for the card yourself in the future, and receive the bonus
  • Capital One doesn’t seem to have any consistent rules when it comes to getting approved, at least not like Amex and Chase; people with all kinds of credit profiles are reporting approvals
  • Capital One pulls your credit from all three bureaus when you apply, though personally I don’t consider that to be a big deal

Learn more about getting approved for the Capital One Venture X.

Why the Capital One Venture X is worth it

The Capital One Venture X is jaw-droppingly generous. The card has a $395 annual fee, which is lower than the fee on other premium credit cards. But the card shouldn’t be costing anyone nearly that much, between the $300 annual Capital One Travel credit, and the 10,000 anniversary bonus Venture miles. To me you’re coming out ahead without even using the card for spending.

That doesn’t even factor in that the card has huge value beyond that — the Capital One Venture X offers an industry-leading 2x miles per dollar spent, and most significantly, offers access to Capital One Lounges, plus a Priority Pass membership, for both the primary cardmember and the (free) authorized users.

Applying for this card is an absolute no-brainer, in my opinion.

The Capital One Lounge DFW is awesome

Capital One Venture X FAQs

There are some questions I’ve received over and over about the Capital One Venture X, so I figured I’d answer those in a consolidated way in the form of some frequently asked questions. If there are any questions I haven’t answered in this post, please let me know in the comments, and I’ll be sure to incorporate that as well. In no particular order…

Are you eligible for the Venture X if you have the Venture?

Yep, you sure are. You can just apply outright, and you’re eligible for the card, including the bonus. While there might be opportunities to product change, you generally won’t receive a bonus for product changing.

Can you product change to the Venture X?

If you have another personal Capital One travel rewards card, like the Venture, you may be able to product change to the Venture X. You’ll have to phone up Capital One to see what options are available to you. However, note that you aren’t eligible for the welcome bonus if you product change.

How many authorized users can you add to the Venture X?

You can add up to four authorized users to the Venture X at no extra cost, and they all receive Capital One Lounge access, a Priority Pass membership, and more.

What lounge access does the Venture X offer?

The Venture X offers a Priority Pass membership, getting you access to 1,300+ lounges around the world, with the ability to take up to two guests. On top of that, you can access Capital One Lounges, also with two guests. These perks apply both to the primary cardmember and authorized users.

Access Priority Pass lounges with the Venture X

Can you access Priority Pass restaurants with the Venture X?

The Priority Pass membership offered by the Venture X gets you access to all Priority Pass locations, including restaurants. In other words, Capital One doesn’t have the same restrictions as Amex does about visiting Priority Pass restaurants, which is great.

What credit score do you need to be approved for the Venture X?

There’s not a specific credit score you need to be approved for the Venture X, though the card is generally intended for those with good to excellent credit. Capital One has fairly few consistent rules about approvals otherwise, and reports suggest that a lot of people are successfully being approved for the card.

What is the highest & lowest credit limit for the Venture X?

Since the Venture X is a Visa Signature, the minimum credit limit on the card will be $10,000, if you’re approved. Meanwhile the highest credit limit I’ve heard of for this card is $30,000 (though if anyone has received a higher credit limit, please let me know).

When does the Venture X sign-up bonus end?

The Venture X is offering a bonus of 100K miles plus a $200 credit for vacation rentals. While this offer is only available for a limited time, we don’t yet know the end date.

Redeem 100K miles for some awesome business class flights

What material is the Venture X made of?

The Capital One Venture X is made of metal.

How can you redeem the Venture X $300 travel credit?

The Venture X $300 travel credit is issued each anniversary year (including the first year), and can be used towards any purchase in the Capital One Travel portal. This includes purchasing flights, hotels, rental cars, etc. For most people this should be more or less good as cash towards travel.

Redeem the Venture X $300 travel credit towards a hotel stay

How does the Venture X 10K anniversary bonus miles work?

The Venture X offers an automatic 10,000 bonus Venture miles on the account anniversary every year. This couldn’t be more straightforward, as the miles will automatically post to your account. You can redeem them whenever you’d like, however you’d like. 10,000 Venture miles could get you $100 worth of travel, or alternatively could get you up to 10,000 bonus miles with one of Capital One’s airline partners.

Is the Venture X a Mastercard or Visa?

The Venture X is a Visa Infinite Card, which is Visa’s most premium type of credit card.

Bottom line

Capital One is accepting applications for its new premium credit card, the Capital One Venture X. This $395 annual fee card offers a ton of value. On the most basic level, you’ll receive a $300 annual Capital One Travel credit plus 10,000 bonus miles annually, which should cover the annual fee. On top of that you earn at least 2x miles per dollar spent, plus you get access to Capital One Lounges and a Priority Pass membership, for both the primary cardmember and any (free) authorized users.

Very well done, Capital One! This is an innovative product that offers exceptional value. I’ve already picked up the card myself, and recommend others do as well.

What do you make of the new Capital One Venture X?

Conversations (217)
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  1. Matt Guest

    Do transactions in foreign currency count towards the $10,000 requirement, and earn miles?

    1. Matt Guest

      OK the last part I can confirm myself now, because a day after my international charges posted, I see them now also earning miles.
      However, the spending counter in the mobile app still doesn't count those charges towards the $10,000 requirement, as of today...

  2. brarob Guest

    I got rejected :( even though my credit score is way over 820. Too many revolving accounts was their reason.

  3. ninja421 Guest

    Can you book Southwest flights if you call into Cap One Travel? Also does the $300 travel credit earn 2x or higher when being used?

  4. Sammy New Member

    Does that mean you had to cancel the card? I'm in the same situation as a US citizen living overseas and was instantly approved. I have no US mobile phone number but will receive the card in a couple of days and will need to activate it. Is there no way around it? Can't you just call Capital 1 and tell them your situation?

    1. Elsie Guest

      I'm in the same situation. You can activate it online after you receive the card using the 3 digit code on the back.

  5. Unhappy Guest

    Careful if you’re in Canada. I’m an American with a US mailing address and great credit rating and was immediately approved with a $30k limit. However to activate the card, a US phone number is required. Without it, it can not be activated nor access to your account online is possible

    1. Sammy New Member

      Does that mean you had to cancel the card? I'm in the same situation as a US citizen living overseas and was instantly approved. I have no US mobile phone number but will receive the card in a couple of days and will need to activate it. Is there no way around it? Can't you just call Capital 1 and tell them your situation?

    2. ninja421 Guest

      Can't you use a google voice # or something?

    3. Elsie Guest

      It wouldn't let me use Google voice.

  6. Karen Guest

    Just got approved! Once I get my card, can I move all capital one points to new card and close my Venture card when the annual fee is due in a few weeks? Don’t want to lose points and don’t want to pay AF for a card I won’t use. Thanks

  7. Dave Guest

    Is purchase protection included? That (and centurion lounges) are literally the only things Amex still has going for itself.

  8. gavinmac Guest

    I may or may not apply. I've had bad luck with Capital One, been denied twice in the last five years, and I'm RARELY denied for any other cards. Good 800+ credit score, no late payments, but I'm definitely a churner and maybe Capital One sniffs out churners more aggressively than other issuers.

  9. Brodie Gold

    I picked the card up and will likely cancel my Amex Plat when the AF comes due. One thing I found of interest is that I received Hertz President's Circle, though both destinations I have attempted to book a rental did not offer Hertz as an option. I can book numerous models via Hertz directly, but it's a no go on the C1 portal.

  10. aptsapts Guest

    FC1! First C1 application, under 5/24, 800+ credit rating and six figure high income.

  11. Karo New Member

    Hi Ben, thanks for the great article. Do you know if the lounge can be accessed upon arrival? Also, do you know the tentative day of the lounge opening at DEN?

    Karo

    1. Ben Schlappig OMAAT

      @ Karo -- Capital One Lounges can only be accessed on departure, and not on arrival, unfortunately. As far as the Denver lounge goes, all we know as of now is 2022, and no timeframe beyond that has been given. Based on that, I'd assume it will be in second half of 2022, but who knows.

  12. shza Guest

    Not that it would necessarily change the top-line advice re product-switching, but I'm a current Venture cardholder and got an email yesterday offering a 50k bonus to product-switch to the X (so unless I'm unique, not the case that you'd get no welcome bonus if you switch).

  13. bob Guest

    Slow week eh? Recycling old articles..

  14. MW Guest

    I would just warn everyone that Capital One is BY FAR the shadiest of the credit card companies. They employ all sorts of tricks. If you do get this card, keep a close eye on them. The card is tempting, but given their history I'm not sure it is worth it.

  15. BenA Guest

    Has anyone tried to use the $200 airbnb or vrbo credit? I can find no info on CapOne site or even mention of it. Do you just use card and hope it credits the $200?

    1. Steve Guest

      Yes, the credit is straight forward. I recently made an Airbnb booking and received a statement credit three days later.

  16. Rich Guest

    Just a data point for everyone.

    140k Income, 5k monthly spend 810 Credit - was instantly approved for 30k credit line

    This card is a no brainer - ontop of 100k bonus, first year $200 vacation rental.

    Annual fee is $395, but comes with 300 travel credit, 10k annual bonus points, and all other perks.

    If you use my referral I'll greatly apprecaite it!
    https://www.capitalone.com/credit-cards/lp/referrals/?referralCode=1BQ5EMJJ&customerName=Richard&programCode=3014&pId=923812

    Just a data point for everyone.

    140k Income, 5k monthly spend 810 Credit - was instantly approved for 30k credit line

    This card is a no brainer - ontop of 100k bonus, first year $200 vacation rental.

    Annual fee is $395, but comes with 300 travel credit, 10k annual bonus points, and all other perks.

    If you use my referral I'll greatly apprecaite it!
    https://www.capitalone.com/credit-cards/lp/referrals/?referralCode=1BQ5EMJJ&customerName=Richard&programCode=3014&pId=923812

    1. KK13 Guest

      Isn’t every deal for Americans a “no brainer”, till they go bankrupt?

      Next time try using the phrase “IMO”…

  17. BK Guest

    780 fico, 8/24 with some balances on 0 apr (~5k) . Applied through the link here and was asked to verify my income on Friday, so I sent three recent bank statements and got an approval today (Monday) morning.

  18. AJ Guest

    Really wanted to go this route for a premium card since 95% of my layovers are in DFW, and Amex is going to be charging for guests next year. But Capital One declined me. I even called for reconsideration, and got double declined. I guess my 825 credit score and 15 years of never missing a payment was too risky? Haven’t opened any accounts in the last six months either. Guess I’m still looking for the perfect premium card. If you like pina coladas…

  19. Pam Guest

    Received the physical card via FedEx 3 days after applying. Other card issuers could really learn something from Capital One (I'm talking to you Chase & Barclay esp)

  20. cookies Guest

    Approved with a 800+ score. 2/24, previously rejected for the Venture. Wasn't holding out much hope because my utilization is basically 1-2%. Answered Often to carrying balances and Yes to cash advances, so that might help ;)

  21. TravelinWilly Guest

    Applied using your link; it's the least I could do considering the value I've received from both the blog and you over the years, so thanks for that.

    Instantly approved.

    I'm one of the ones who did have to upload a photo of the back of my driver's license.

    Thanks for all you do, Ben (and Tiffany and Jimmy and everyone else!).

  22. iamhere Guest

    Who cares! This premium card has the same benefits as other cards on the market. It's not that interesting. These days high reward cash cards are best.

  23. Weymar Osborne Gold

    Denied unfortunately :( ~775 credit score, no existing accounts with Capital One, and currently at 7/24, although one of them was being added as an authorized user on the AmEx Platinum (which will go as a new account on your credit report for anybody curious). I selected student instead of employed which may have been an issue, and my income isn't that high, although I was approved for the Citi Prestige last December with similar numbers.

    1. Kris Sanders Guest

      Hello, can an authorized user be added when filling out application form?

      Is credit score of authorized user taken into account or is it only main applicants credit score?

      Is there any score impact on authorized user - any pulls etc.?

      Thank you!

  24. Ann Guest

    I don’t know how I would be able to transfer to the airlines I fly most: JetBlue, United, Delta, is there a way? Otherwise it’s really not very useful

    1. Ben Schlappig OMAAT

      @ Ann -- While you can't transfer miles directly to those currencies, you can redeem them through the Capital One Travel portal towards flights on those airlines. Alternatively, you could transfer them to other partner programs, and then redeem on those airlines. For example, you can transfer Capital One miles to Avianca LifeMiles, and then redeem on United.

  25. Rafa Guest

    Lucky,
    Can I get this card if I live in US territory like USVI? On application I cant find VI in the pull down menus. Is there a work around? I do not a taxpayer in the mainland US. Thanks.

    1. Ben Schlappig OMAAT

      @ Rafa -- Interesting question. Based on doing some online searching, it seems that unfortunately most Capital One cards aren't available to those in Puerto Rico or the US Virgin Islands.

    2. Rafa Guest

      Sorry to hear that. I guess I will stick to Chase and Amex. Thanks for your research.

    3. Pedro Guest

      Hi Ben. I do live in PR and was approved (20K SL). PR appears on the state list when you apply. Still waiting sor the card to arrive.

  26. Tahsin Gold

    Applied yesterday using OMAAT link: it took a day to process since I have a fraud alert on my account. Last time with the Venture card it took a few days before I got that call back.
    The phone call went smoothly and I got approved quickly right after with a 30k limit! Very excited about this card and makes me think about cancelling the Amex Platinum.

    1. Ben Schlappig OMAAT

      @ Tahsin -- Thanks for the data point, and thanks for the support!

  27. OldCrowAZ New Member

    Used the link and was instantly approved with my 836 credit score for 30K Thank you!

    1. Ben Schlappig OMAAT

      @ OldCrowAZ -- Congrats, and thanks for the support!

  28. Hwong Kim Guest

    Who uglified his site first with this garish wallpaper - you or Leff?

  29. DCS Diamond

    Yawn...

    I am not exactly sure what the hype, complete with websites being plastered garishly with the Cap One logo, is about considering that, except for the signup bonus (with a steep $10K spend requirement), one can get pretty much the same things with the CSR, without incurring "points currency dilution" by beginning to collect points in yet another points currency denomination. I am already collecting points in Chase UR and AMEX MR. I do...

    Yawn...

    I am not exactly sure what the hype, complete with websites being plastered garishly with the Cap One logo, is about considering that, except for the signup bonus (with a steep $10K spend requirement), one can get pretty much the same things with the CSR, without incurring "points currency dilution" by beginning to collect points in yet another points currency denomination. I am already collecting points in Chase UR and AMEX MR. I do not need to start doing it in another denomination.

    This clear imitation (the most sincere form flattery) of the CSR is yet another example of the virtual "revolution" that the launch of the CSR ushered in with a big bang, and of the card's enduring and timeless value:

    - 10x Venture miles on hotels and rental cars booked via Capital One Travel - the CSR gets you this via UR booking and offered it first.
    - 5x Venture miles on flights booked via Capital One Travel - the CSR gets you this via UR booking and offered it first.
    - 2x Venture miles on all other purchases - the CSR gets you 3x on dining and travel, two of my biggest spend categories, while the CSR's sidekick, the CFU, gets you 1.5x on everything else. That combination, in my view, trumps Cap One Venture's 2x
    - The card has no foreign transaction fees, making this the ideal card for purchases abroad - The CSR matches this as well. In fact, it is the only card I use overseas other than co-branded hotel cards.

    Advantage CSR, which, in addition to matching Cap One Venture blow for blow on the above and other features but the 10K annual bonus (no big deal), still gets me 10x on Lyft and, though I prefer other redemption avenues, can get me 50% value by redeeming through UR, etc, etc...

    So, yawn, even though with a credit score of 830 and a credit use of 1% (0% when banks report my CC balances this month), I should be easily approved...

  30. Ryan Guest

    Applied using your link, Lucky, and was approved!

    I have a similar profile to a lot of others who got denied (800 credit score, good income), but I think the thing that got me approved was having a checking account with them. I set it up in anticipation of Capital One creating a high-end credit card.

    I don't post often, but read every day. I really appreciate the amazing content - sometimes it's what turns a bad day into a good one.

    1. Ben Schlappig OMAAT

      @ Ryan -- You're too kind, thanks for the kind words and support. And congrats, enjoy the miles!

  31. Will Guest

    I don't see the appeal. Why do people get caught up on 2x back? Most of my spend is in categories where I receive 2-5x back with a Chase or Amex card.

    1. Ben Schlappig OMAAT

      @ Will -- Sure, there are cards with better bonus categories out there, but there aren't many cards that offer such a rewarding structure for everyday spending.

      But I think you have to step back and look at the card bigger picture. Capital One is essentially paying you to have this card, between the $300 annual travel credit and 10K bonus anniversary miles. And then you get Priority Pass memberships and Capital One Lounge access...

      @ Will -- Sure, there are cards with better bonus categories out there, but there aren't many cards that offer such a rewarding structure for everyday spending.

      But I think you have to step back and look at the card bigger picture. Capital One is essentially paying you to have this card, between the $300 annual travel credit and 10K bonus anniversary miles. And then you get Priority Pass memberships and Capital One Lounge access not only for you, but also for your authorized users.

      So it's not any one thing that makes this card amazing, but rather a combination of everything -- by my valuation of things, Capital One is basically paying you to hold onto a card that offers a great return on everyday spending and an awesome lounge access perk. That doesn't even factor in the welcome bonus of 100K miles.

  32. Sid Guest

    What form of ID is required for this credit card? Other Capital One credit card applications require a DL or State ID. Is it the same for this one as well?

    1. Ben Schlappig OMAAT

      @ Sid -- I didn't have to provide any sort of ID. It seems that some people are being asked to upload their driver's license (or something), but that seems to be the exception rather than the norm.

  33. MJ John Guest

    This is very tempting (not sure about using the Travel Portal, tho' -- the Chase Portal is a nightmare and the CSRs can't help if something goes sideways). But it seems like a much better deal than my Sapphire Reserve which is due to renew this month at $550!

    I froze all three credit bureaus after the T-Mobile breach. Which one do I unfreeze to apply for this -- or all three?

    1. Ben Schlappig OMAAT

      @ MJ John -- Personally I'd recommend unfreezing all three. If you unfreeze just one or two, you might get denied for not all credit reports being available.

  34. Cmorgan Guest

    I applied and was denied. Wife who has the same scores and profile instant Approval for 20k. Go figure? By the way Ben we used the OMAAT link. Thanks.

    1. Ben Schlappig OMAAT

      @ Cmorgan -- Thanks for the data point, and for the support. Very strange how you were denied but your wife wasn't. Hmmm...

  35. Mr juice Guest

    Instant approved. Around 760 score, and showing $12k/$150k utilization. I answered often carry balance. I have a checking and savings with them that has probably been open 10+ years. 1/24, but 3 additional pulls /24 for biz cards. About 16 open cards.

  36. jediwho Guest

    Instantly approved with 30K credit limit and a score of 830. Second card in more than 2 years and first Capital One card I applied for (have one additional card that is now Capital One).

  37. TJ Guest

    795 credit score, 11% credit utilization. Was DENIED. Unbelievable. Makes no sense.

  38. Eoj Guest

    Ben - were you able to figure out if miles can be transferred between the main cardholder and the additional cardholders? This would be a valuable source of flexibility which might just be enough to convince me to drop my CSR in favor of the card?

    1. Ben Schlappig OMAAT

      @ Eoj -- I'll ask about it, but haven't been able to determine for sure yet. I think it's possible, but am not 100% sure yet.

  39. Mike Guest

    Was looking forward to this. Applied with your link. Denied.

    Just for reference for everyone else: FICO ranges from 735 to 690 depending on the credit report. Have approx. 18 year clean and never late history. Only issue is that I carry heavy monthly balances (50% utilization) as the founder and CEO of a startup, even though they're paid off each month, it's never times good with my credit report so it looks like...

    Was looking forward to this. Applied with your link. Denied.

    Just for reference for everyone else: FICO ranges from 735 to 690 depending on the credit report. Have approx. 18 year clean and never late history. Only issue is that I carry heavy monthly balances (50% utilization) as the founder and CEO of a startup, even though they're paid off each month, it's never times good with my credit report so it looks like I have a ton ($300k) of revolving debt.

    I really want this card, so may have our accounting department pay that all down before statement closing in the coming month or two and try to time another application for this card when my score bounces up to 780 for that brief five day period. lol

  40. Alan Guest

    Any idea when Capital One website will have the link available to update Hertz status?

  41. Vijay Guest

    Do someone know how long it takes to receive Priority Pass Membership access from the date of approval?

  42. Pauls98 Guest

    Applied via the OMAAT link and was instantly approved. Said I'd have my new card in three business days! Time to chip away at that $10K for the bonus. Thanks, Ben!

    1. Ben Schlappig OMAAT

      @ Pauls98 -- Thanks so much for the support, I appreciate it, and congrats!

  43. Devon Rogalski Guest

    Is the 100k point bonus available to those who want to upgrade? For example I just upgraded my Amex gold to platinum- same card #, got 100k bonus and minimal credit check impact as it was upgrade not new application.

    1. Ben Schlappig OMAAT

      @ Devon Rogalski -- The bonus is only available if you apply outright. While a product change might be possible, Capital One isn't currently offering a bonus for doing so.

    2. Devon Guest

      Thanks. Approved. Planning to cancel my now redundant venture. Do I need to do anything regarding existing points or will they remain and tie to my name/ existence of capital one account? Thanks

    3. Ben Schlappig OMAAT

      @ Devon -- Congrats! You should be able to transfer them over on Capital One's website, just to be on the safe side (I'm not sure if it would happen automatically or not if you just closed the account without doing so). More details on that here:
      https://onemileatatime.com/guides/transfer-combine-share-capital-one-miles/

    4. Jules M Guest

      Approved. Used the OMAAT link.
      740 credit score. 8% utilization. No Capital cards but opened 5 others in the last 12 months. Was actually declined for the other Capital Venture card about a month ago.
      Chose not to answer the optional questions during application (although did that last month when declined, so not sure it helped).
      Thanks Ben!

  44. Aerov53 Gold

    Approved for $30k. No previous Capital One cards. 2 accounts opened in the last 2yrs. 800+ credit score.

    1. Ben Schlappig OMAAT

      @ Aerov53 -- Thanks for the data point, and congrats!

  45. Andrew Guest

    Not approved with an 800+ credit score... I am so over capital one.

    1. Andrew Guest

      Used your link also.

    2. Andrew Guest

      Wife was also denied. She has a 760 credit score and is under 5/24. No clue what they are looking for.

    3. Andrew Guest

      Just for another data point, referred my wife to the amex aspire card immediately after her capital 1 denial (and mine) and she was instantly approved. She'll spend 4k there while I spend 25k on my gold to get a 100k referral bonus. I'm literally upset with Capital One. I have no clue what they want. Ben, any idea? I was over 5/24 with an 800+ credit score, but my wife was under 5/24 with...

      Just for another data point, referred my wife to the amex aspire card immediately after her capital 1 denial (and mine) and she was instantly approved. She'll spend 4k there while I spend 25k on my gold to get a 100k referral bonus. I'm literally upset with Capital One. I have no clue what they want. Ben, any idea? I was over 5/24 with an 800+ credit score, but my wife was under 5/24 with a solid (760), not great credit score. We both applied for the Venture card through your link when it was a 100k bonus a few months ago and were both denied. I'm really not sure what we're doing wrong with regards to capital 1. Honestly, love the blog and always try to use your link when it's the best offer.

    4. Ben Schlappig OMAAT

      @ Andrew -- Thanks for the support, and sorry to hear about your frustration, because I'd feel the same way. Can I ask how many cards you and your wife have opened in the past 24 months? Or is there anything else that might seem unusual to Capital One? Trying to figure out what the issue could be here...

    5. Andrew Guest

      I'm at 6 in the last 24 months. She's at 4 in the last 24 months but soon to be at 2 (in 3 more months). I have 14 total cards open so I kind of get my predicament, but my wife only has 6 so I'm a little more confused by her denial. I guess we'll wait to hear what capital 1 has to say. The Amex referral will dominate my spend for the...

      I'm at 6 in the last 24 months. She's at 4 in the last 24 months but soon to be at 2 (in 3 more months). I have 14 total cards open so I kind of get my predicament, but my wife only has 6 so I'm a little more confused by her denial. I guess we'll wait to hear what capital 1 has to say. The Amex referral will dominate my spend for the near future and then she'll be under 5/24 so we'll go back to Chase (try to use your links!). I'll also be at 48 month for the sapphire card so I can downgrade and get a new sign up bonus. Both of us have never been denied except for Capital One (now twice each for the venture and X). I've done plenty of Amex, Chase, Citi, Barclays, and BoA (have checking with them so I have a longer leash). I read your blog and try to follow the rules to a T, but I am always confused by capital 1.

  46. Sel, D. Guest

    Any idea how long the offer will be valid for? Looking to complete the spend on another card before signing up for this one. Thanks!

    1. Ben Schlappig OMAAT

      @ Sel, D. -- Unfortunately the end date hasn't been published, so all we can do is speculate.

  47. geoff Guest

    LOL, turned down again. I have no idea why these clowns at C1 don't want my business.

  48. Enb Guest

    I am looking for the original documentation to confirm that the Priority Pass works at restaurants and for up to two guests. I do not see it in the footnotes or in the Visa Infinity Card Guide on their website. Do you have a source for this information from Capital One?

    1. Ben Schlappig OMAAT

      @ Enb -- I can try to find the public written documentation, but I've had this confirmed officially from a Capital One contact.

  49. Tahsin Guest

    Applied using OMAAT link! I had the Venture Card for 3 years so far, but if I get approved for this then I might just downgrade the Venture card to no annual fee card and make this one my primary Capital One card!

    1. Ben Schlappig OMAAT

      @ Tahsin -- Thanks for the support, I appreciate it! And crossing my fingers you get approved.

  50. GT Guest

    Was instantly approved for C1 X with a $30k limit, which is the highest limit I've ever been approved for. For anyone tracking approvals/declines, I have a current C1 Miles no-fee card that I've had for over a decade but have not applied for another C1 card since getting that card. I also have a total of 22 cards currently open, mostly no fee cards, and a credit score right above 800.

    I take the...

    Was instantly approved for C1 X with a $30k limit, which is the highest limit I've ever been approved for. For anyone tracking approvals/declines, I have a current C1 Miles no-fee card that I've had for over a decade but have not applied for another C1 card since getting that card. I also have a total of 22 cards currently open, mostly no fee cards, and a credit score right above 800.

    I take the $300 travel credit at face value since I will easily use it up at non-points hotels or rental car, which I don't mind booking through a travel portal like C1. The remaining annual fee of $95 is easily covered by the 10k in points given annually, even if you don't have any spend on the card.

    Not sure why anyone would not want this card. I see people mentioning that they feel like their Plat AMEX or CSR is better but neither of those cards have 2 points/$ for all non-bonused spend. And neither of those cards easy bring their annual fee down to $0 without jumping through more hoops and valuing their myriad of benefits at high levels. I actually have both a Plat AMEX and CSR but this new card is making me think it's time to ditch one of my premium cards and it's probably the Plat AMEX.

  51. Khatl Gold

    Sorry Ben. Applied and was accepted before you posted the link! Guess I was a bit too quick!

  52. Izz Guest

    Applied and approved instantly with $20K credit line, this was my first time applying for a Capital One card. Happy to support OMAAT link!

    1. Ben Schlappig OMAAT

      @ Izz -- Thanks so much for the support, I really appreciate it!

  53. Clem Platinum

    Decided to apply, and to my surprise instant approval (credit score over 800, but ~20 open accounts so I thought that would mean instant decline).
    Dumb question but does anyone know how to get Hertz status? I can't find any link on C1's website.

    1. Ben Schlappig OMAAT

      @ Clem -- Woot, happy to hear you got approved. Will have a post soon about the Hertz status, stay tuned.

    2. James S Guest

      10k in 6 months I think is too much for me

  54. vlcnc Guest

    The ad all over the background on the front page has made the website unusuable! Honestly who's idea was this??!?!?

    1. Bobo Bolinski Guest

      Probably the same genius who started sprinkling multiple, pop-up, self-playing video windows in every post. Really obnoxious. About as annoying and spammy as it gets. Buh by.

  55. Nun Guest

    > "including savings on flights, 24/7 alert technology with price changes, and the ability to freeze the price of a flight and come back 14 days later to book it."

    Are you saying the C1 travel portal discounts airfare compared to other sites like Kayak? How limited is this? Also is there a fee to freeze a price for 14 days? Thanks.

  56. DG Guest

    Instant decline - 800+ credit, no previous cards with Capital One, 5 cards opened in last 24 months.

    1. JP Guest

      Same here with an income approaching 7 figures, 800 score and never delinquent on payments. 5 cards also in last 24 months.

    2. Quo Vadis Guest

      @Lucky, same concern here. Does Capital have any rule similar to 5/24? I have a fair number of cards and just went under 5/24 end of last month.

    3. Ben Schlappig OMAAT

      @ Quo Vadis -- Nope, no 5/24 rule. I outlined Capital One's policies in a separate post, which you can find here:
      https://onemileatatime.com/guides/capital-one-venture-x-approval/

    4. MS Guest

      Same here. High income, no debt, instant decline

    5. Tom Guest

      Instantly declined with a similar data point here (800 credit, exactly 5 other cards opened in the last 24 months) but I do have 1 card with Capital One already - my first CC that I got 20 years ago this month (11/2001), which still has a low limit (couple thousand dollars), so I never closed it (but also haven't put any spend on in a few years).

  57. Pam Guest

    Instant approval for X this morning!

  58. Shirley Brown Guest

    Are miles able to be used for Delta flights?

  59. Brewer Platinum

    Can you share if you expect to have a referral link in the near future? I figure they won’t launch referral links immediately, but I’m happy to wait a bit so you can get your well-deserved kickbacm. I know this is your bread and butter, and loyal readers can definitely be patient if you will have access to the best public offer *eventually.* Feel free to shoot me an email if I should wait to...

    Can you share if you expect to have a referral link in the near future? I figure they won’t launch referral links immediately, but I’m happy to wait a bit so you can get your well-deserved kickbacm. I know this is your bread and butter, and loyal readers can definitely be patient if you will have access to the best public offer *eventually.* Feel free to shoot me an email if I should wait to start evangelizing this card to friends and family but you can’t respond publicly.

    1. Ben Schlappig OMAAT

      @ Brewer -- That's very kind, thanks for the support, I really appreciate it! I should have a referral link shortly, around the same time that the card goes live publicly. I'll update this post when that happens.

    2. Drew Guest

      Do we know when it is going live? Waiting for your referral link as well.

    3. Ben Schlappig OMAAT

      @ Drew -- Any minute now, and I should have a link then. Thanks so much for the support, as I'll be updating the post shortly when it's live.

  60. Andrew Guest

    I'm starting to wish cards weren't made of metal anymore. Did you know Amex no longer sends self-addressed envelopes to dispose of their metal cards? They say it's up to us to find a way to destroy them, or send them to some place in Florida where they will handle it.

    But regular postage won't cover the weight - just what I need: to send first-class mail because Amex is too cheap now that they...

    I'm starting to wish cards weren't made of metal anymore. Did you know Amex no longer sends self-addressed envelopes to dispose of their metal cards? They say it's up to us to find a way to destroy them, or send them to some place in Florida where they will handle it.

    But regular postage won't cover the weight - just what I need: to send first-class mail because Amex is too cheap now that they raised their fees to $695. Shareholders clearly are expecting to cash in now.

    1. JKG Guest

      Go to any auto shop and ask them to torch it. They'll actually smile the whole time they are melting your card.

    2. Chris Guest

      ???
      Had my Amex Platinum replaced in late August and they sent along with my replacement card a self addressed envelope to send my old card back.

  61. Rei Guest

    Hello. Sorry, do you happen to know if I’ll be able to product change from Venture One to this? And if yes when. Thank you.

  62. Derrick Guest

    I think the Capital One Travel Portal is what will make or break this card since it seems like that's how you use most of your benefits. I love transferring to travel partners on my Sapphire Reserve Card but the Chase Travel Portal leaves much to be desired.

  63. Classcair Guest

    Excited about this one. @lucky, for those of us with Venture already, if we apply, and get approved for this, what would you recommend product changing the old venture to?

  64. Steve Gold

    @Lucky do you have to use the Venture X when booking Hertz to get the President's circle features or will i just need to link my accounts and ill have Pres Circle status as long as i have the card. I have to use my work card for rentals but would love auto Pres status.

  65. Not so lucky Guest

    @Lucky - how do you value the Hertz President’s circle status, if at all?

  66. JDW Guest

    Does Capital one still have a 2 card limit?

    1. Ben Schlappig OMAAT

      @ JDW -- I believe Capital One does unofficially limit people to two personal credit cards, excluding co-brands.

  67. Hobbs Guest

    This is a very nice travel card to have. It’s not for me, as I have a $59 Venture and Amex, but something I would have jumped on if available when I first got the Venture.

  68. Andrew W Guest

    Great in every way except one - requires travel portal use. No way. CSR for booking flights has been a disaster for me (no notifications, higher costs, wrong info) so I just canceled my CSR. Amex is a little better, but I only use it sparingly for hotels. I much prefer buying from the hotel or airline directly. I have PP from Amex Platinum so who needs another card unless I cancel? My wife has Citi Premier - who needs Capital One?

    1. Corey Sacken Guest

      Million times better to deal with for 1 flight than craptastic horrific amex travel credit. I hate it so much I'm cancelling Amex plat unless my retention is insane.

    2. Steve Gold

      Yeah i dont get the big drawback of booking through portals. I understand the complication if your flight is canceled but for hotels i love it. Sometimes you get better deals and if im paying less for the room i dont care about the worthless hotel points that im not getting. Plus if you go to a place like napa where there arent many branded points earning hotels anyways its best to book a small inn through one of these portals.

    3. Andrew Guest

      I have to agree with you. My worst flight reservation / change experience ever came from redeeming a *refundable* business class ticket through Citi's travel portal. Short story: I had to pay AA extra money ($50 / ticket) to 'eject' them from Citi's reservation system so that I could change the booking.

      I'm never doing that again.

  69. KW Guest

    Oh wow, I just signed up for the Capital One Venture regular card ... any idea if the bonus will be available to people who have gotten the Venture card? Thanks!

    1. Ben Schlappig OMAAT

      @ KW -- Yes, I'm told those who have the Venture will also be eligible for the Venture X. However, Capital One does often make people wait six months between opening new accounts.

  70. Steve Guest

    The following benefit looks interesting: “The ability to freeze the price of a flight and come back 14 days later to book it”.
    Would this be a 14 day hold of the ticket and is there any obligation to buy it ? Does this work for all fare classes ?

    1. Eskimo Guest

      Doesn't say anywhere it's free.

      Many airlines are already charging nominal fees to 'hold' the price.

  71. MichaelT New Member

    Triple pull just to get told that your credit score is "too good" is the most cap1 thing ever.

  72. Stu Guest

    I was already planning on dumping my Amex Platinum, which I love but I refuse to stomach the new $695 annual fee. If I can can get the 100K bonus while upgrading my Venture Rewards card, I'll probably jump all over this.

    1. Steve Gold

      Yup you and me both brother!

    2. Jo Guest

      Yep. Been holding AMEX PLAT for about 5 years. It's time to part ways. TOO EXPENSIVE. I use it mostly for the lounge perk. I'm going to keep it until my anniversary and get my travel credits first. I guess I have to bring 4 bags on my ski trip to make the most of it.

  73. JD Guest

    If you have a venture with an authorized user already can you apply for this? And/ or product change?

    1. Ben Schlappig OMAAT

      @ JD -- Yep, you could indeed apply. There might be product change opportunities as well, but you wouldn't earn the welcome bonus then.

  74. DWAGENT Guest

    Interesting, but: 1) The transfer partners for those who mostly travel within the US seem pretty bad...? No transfer to UA, AA, DL, or SWA, no transfer to Marriott, Hyatt, or Hilton...unless I'm missing something? 2) Is anyone else worried about the C1 lounges (well, just lounge, for now) being overcrowded from Day 1, given the guest policy and AU policy?

    1. JKG Guest

      I agree. C1 transfer partners are horrible and having to book thru the portal to get the travel credit makes it useless to me. I'll stick with my CSR.

  75. Bear Guest

    When will it be available to apply?

  76. Dogtor Guest

    How about primary rental car insurance coverage to go with that 10x on rental cars through the portal - any word on that??

    1. xdambox New Member

      If it's a Visa Infinite, which is confirmed, it should automatically include primary rental car insurance, AFAIK, which is huge.

    2. alejandro Guest

      Agreed. Honestly downgrade to CSP or freedom and get the VX card.

    3. Andrew Guest

      Oh snap. There goes paying $15 extra for every Amex rental car booking to get primary insurance.

      In summary: this is a finishing move by Capital One. Why would anyone pay for Amex Plat anymore?

  77. heather ellis Guest

    Will there be a referral points bonus if my husband or mom also gets one?

  78. Jan Guest

    This… might kill my CSR. Wow.
    I need to really run the numbers but at first glance it looks really, really good.

    1. teeayo Guest

      for sure. I cancelled my CSR after 6 years and applied for C1 X this morning. was a no Brainer for me.

  79. Ken Guest

    HI Ben

    can you please change the default setting of your cookie policy? Right now, it automactically allows third party cookies to track us if they "think" it is a legitimate interest but we all know that they can be sloppy in their definiation becuase there is no policing. To object to these, I have to select all of them individually, which is a pain. Most european sites give an option to object to all...

    HI Ben

    can you please change the default setting of your cookie policy? Right now, it automactically allows third party cookies to track us if they "think" it is a legitimate interest but we all know that they can be sloppy in their definiation becuase there is no policing. To object to these, I have to select all of them individually, which is a pain. Most european sites give an option to object to all but your website does not, yet the defaul is allowing them to track your readers...

    1. Eskimo Guest

      Another EU bullying the world to conform with GDPR.

      Might stop Zuck to legally deny of watching but it can't stop big brother from watching or State sponsored hackers or scammers.

      You think they have time to enforce every violations?
      It's like giving tickets to every one jaywalking or parking meter that expires by 1 minute.

      False sense of security. Might even be a conspiracy.

  80. Jon Guest

    Will access into the Capital One lounges for guests be capped like AMEX is going to? Centurion Lounge cutting access to anyone beyond the cardholder really hurt me since we are a family of 4. I would scoop this card up if my family can use the lounge especially since we are DFW based.

    1. Ben Schlappig OMAAT

      @ Jon -- You can bring two guests with you at no extra cost, plus kids under two years old. On top of that, you can add up to four authorized users at no cost, and they get the same lounge access benefit.

    2. John K Guest

      Quick question on authorized users and lounge benefit.
      Do the authorized users ALSO get 2 guest benefit as well?
      If yes, that would mean 1 card = 12 people lounge access at same time
      If no, that would mean 1 card = 6 people lounge access at same time...

      Correct?

    3. ATH Guest

      Have to think this would lead to a crowding problem if the lounge is any good... a la Centurion.

    4. Jeff Guest

      This is one of many reasons my Amex Plat is getting canceled. Raise the fee and then announce you’re ruining one the the main reasons to have the card for people with families.

  81. Toys Samurai Guest

    Are you sure that the authorized users will also get Priority Pass memberships? It sounds too good to be true for a $395 with no authorized card fee. How about Global Entry?

    1. Ben Schlappig OMAAT

      @ Toys Samurai -- I'm 100% sure, yep, it really is that generous. The Global Entry is one per account, so authorized users don't get additional ones.

  82. Eskimo Guest

    The bloggers have spoken, it's a no brainer. Get this card.

    The reason I'm saying this is because, there isn't any one card fits all or one card that is superiors to another in every way. All the premium cards complement each other (with some overlap) and their respective eco system cards are always a good addition.
    As long as your benefit received is more than what you paid for, it should be in...

    The bloggers have spoken, it's a no brainer. Get this card.

    The reason I'm saying this is because, there isn't any one card fits all or one card that is superiors to another in every way. All the premium cards complement each other (with some overlap) and their respective eco system cards are always a good addition.
    As long as your benefit received is more than what you paid for, it should be in your wallet.

    Having 20+ cards isn't a bad thing at all. What's bad is when you mixed up your Priority Pass cards, one without guest, one without restaurants, one with limited visits.

  83. Dominic Guest

    Every day that passes is another day that I get *this* much closer to closing my AMEX Platinum.

    This looks like a solid card, and they have transfer partners I use frequently, so this is a no-brainer for me.

    1. Eskimo Guest

      Why don't you close it now.

      It's costing you $58 every month.

    2. Dominic Guest

      I think I will once I get this card. I do use the Priority Pass access quite a bit since I fly Delta often and have been waiting for a card (besides the CSR) to offer it.

    3. Jill Guest

      Maybe he enjoys spending $58 per month

    4. John K Guest

      It's just like the gym membership....you don't go but you still pay

      XD

  84. SHO Guest

    Any idea if the $300 credit is by anniversary year or calendar year?

    Thank you!

    1. Ben Schlappig OMAAT

      @ SHO -- I've just confirmed that it's per anniversary year.

    2. SHO Guest

      Thank you Ben!

      Long time reader. Always appreciate your posts!

  85. Sel, D. Guest

    Can't believe I'm going to sign up for this just to get PP restaurant access. It's too valuable when you have one at your home airport. Wish Amex kept that.

    1. Ben Schlappig OMAAT

      @ Sel, D. -- Makes perfect sense to me, since the card is otherwise more than breakeven, by my math...

  86. DG Guest

    Not bad at all. Probably won't work for me given I do value direct hotel bookings/status and no lounges in NYC airports yet while Chase/Amex and their airline partners do have them. But maybe in the future...

    1. Ben Schlappig OMAAT

      @ DG -- While I'm by no means a fan of making all my travel bookings through a portal, I do think making the occasional booking through that way is easy enough. I suppose some people don't value the 10K miles and $300 travel credit at $395, but for those that do, there's general value in holding onto the card, even if it's just to get Priority Pass memberships for friends and family at no cost.

    2. DG Guest

      Oh, I definitely would consider it if I didn't have a substantial Chase/Amex setup already.

  87. Khatl Gold

    What other benefits do they offer beyond the ones you've outlined e.g. akin to Visa signature/infinity. Do they have the extra year warranty, primary rental car coverage, cell phone coverage etc.

    1. Khatl Gold

      Or even ones related to travel given their focus on that

    2. Ben Schlappig OMAAT

      @ Khatl -- It's a Visa Infinite Card, so it offers benefits like cell phone protection, trip delay and cancelation coverage, etc.

    3. Khatl Gold

      Wow. Getting this card is a definite no-brainer.

  88. Anthony Diamond

    Great initial bonus. Beyond that though, if you aren’t a heavy user of the portal, and don’t care a lot about Priority Pass, the 2x spending is the same you get on the regular Venture. The regular Venture is pretty outstanding value at $95 and 2x everything. CapOne seems a bit cautious on adding a bonus category on spend.

    1. Ben Schlappig OMAAT

      @ Anthony -- Agree that I wish we'd see some other bonus categories, though by my math this card is cheaper to hold onto than the Capital One Venture. The difference in annual fees is $300, and with the Venture X you're getting a $300 credit plus 10K miles.

    2. Anthony Diamond

      Yeah, I guess if you use their annual credit every year, it pencils. Not hard to book a flight or boutique hotel on the portal a year.

      I’m loathe to add any new fees but will likely apply for this next week (who knows with Capital One though)

    3. Donna Diamond

      I also am a big fan of the regular Venture card. They do not require foreign travel notification, never deny a charge when using overseas websites for purchases, and I’ve charged huge individual purchases on it overseas without any problems. Redemptions are super easy and hassle free.

      The new space for the DFW Capital One lounge looks like it will be amazing when the lounge is finished and open. I passed by it a few days ago and was impressed.

  89. Evan Richert Guest

    Intrigued, but last two attempts applying for Capital One cards rejected despite ~820 FICO scores for apparently having too many active (non-Capital One) cards. Do they want my business or not?

  90. Scott Guest

    Is it a visa or mc? If it’s visa is it a infinite or signature? If it’s an infinite I would assume it comes with 6hr delay and $10k cancelation, not the lowly 12hr and $1500. Is the travel credit per calendar year or account year? Getting to the main points, we all know cap one isn’t going to approve people with great credit+high income who ostensibly know how to get the most value out...

    Is it a visa or mc? If it’s visa is it a infinite or signature? If it’s an infinite I would assume it comes with 6hr delay and $10k cancelation, not the lowly 12hr and $1500. Is the travel credit per calendar year or account year? Getting to the main points, we all know cap one isn’t going to approve people with great credit+high income who ostensibly know how to get the most value out of their cards. Flyertalk and reddit will be littered with reports of 800+ scores and $150k+ a year income getting denied for BS cockamamie reasons. Now let’s debunk this costing cap one so much money. The rewards for spending DO NOT COST MORE THAN THE REGULAR VENTURE. Why? So glad you asked, the 2x costs the same obviously, the 5x is a wash for their 5% OTA commission on flights, rental cars are I believe about a 10-12% commission so that’s a wash, and for hotels they earn a 15-20% commission so even though they’re handing out 10x they’re still making money. So that 300 yearly credit will only cost them 250 if you use it for a hotel. Also remember no southwest or ulcc thru a OTA. I could go on but it’s not worth it, just like applying for this card. I do think the PP and or free AU’s may be nerfed doe. For people who are based at an airport with a cap one lounge or want nearly free PP but don't want the Ritz this may be a solid choice.

    1. Ben Schlappig OMAAT

      @ Scott -- It's a Visa Infinite. And I agree that the rewards structure isn't that much of an advantage over the regular Venture Card, but I do view this card as being lower cost, given the incremental perks for the annual fee that's $300 higher.

  91. James S Guest

    No $80 in credits at obscure stores distributed in $6 increments every month? Really missing out on that Amex Value.

    1. Steve Gold

      Hahaha, this wins.

      Yup this is a no brainer card, and time to say downgrade to the CSR!

  92. beachmouse Guest

    One interesting thing about Accor as a transfer partner is that it’s a Euro-based redemption program and you can do a little currency arbitrage and do well when the Euro is high against the US dollar.

  93. Clem Platinum

    But is there really any value getting the card for people who like to maximize their hard earned status with airlines/hotels? I mean sure there's a $300 credit but the card is $395 so that's moot.

    Even if I don't have an incentive to book direct, I default to the Amex Plat because of FHR perks, IAP program, etc... If C1 offered similar programs, then it would indeed be a no brainer. I'm gonna have...

    But is there really any value getting the card for people who like to maximize their hard earned status with airlines/hotels? I mean sure there's a $300 credit but the card is $395 so that's moot.

    Even if I don't have an incentive to book direct, I default to the Amex Plat because of FHR perks, IAP program, etc... If C1 offered similar programs, then it would indeed be a no brainer. I'm gonna have to crunch the numbers because I'm struggling to find a scenario where I would benefit from using 3rd party booking engine - right now for me the only compelling elements are the sign up bonus and yearly 10k points.

    1. Eskimo Guest

      Your hard earn status is still recognized with airlines (for now).
      While you are maximize your hard earned status with airlines/hotels, you are ignoring to maximize your hard earn cash with options outside your loyalty sphere.

      IAP doesn't always work everywhere and $300 credit doesn't even get you that far on IAP.
      You are telling me your entire year of travel is only booked through IAP?
      FHR doesn't always get you the...

      Your hard earn status is still recognized with airlines (for now).
      While you are maximize your hard earned status with airlines/hotels, you are ignoring to maximize your hard earn cash with options outside your loyalty sphere.

      IAP doesn't always work everywhere and $300 credit doesn't even get you that far on IAP.
      You are telling me your entire year of travel is only booked through IAP?
      FHR doesn't always get you the best rate even with the same perks either.

      Amex Platinum has its benefits occasionally but it should be far from default for anyone.

    2. Clem Platinum

      @Eskimo - you're making good points and don't disagree with most of that, hence why I will need to crunch numbers.

      For hotels, my reasoning is checking chains where I have top status, then FHR if nothing satisfactory, then travel agent (for Virtuoso, and all the other chains programs like Four Seasons Preferred etc), and lastly 3rd party booking sites. And based on my patterns, that last category rarely happens. The 10x could make...

      @Eskimo - you're making good points and don't disagree with most of that, hence why I will need to crunch numbers.

      For hotels, my reasoning is checking chains where I have top status, then FHR if nothing satisfactory, then travel agent (for Virtuoso, and all the other chains programs like Four Seasons Preferred etc), and lastly 3rd party booking sites. And based on my patterns, that last category rarely happens. The 10x could make it worth considering though.

      For flights, besides IAP, I already get 5 points with the Amex Plat so there's actually less value going through the C1 portal, since booking direct is always better when irrops happen.

  94. nfd Guest

    Will the Priority pass membership with Capital One follow the AMEX restrictions?

    1. Ben Schlappig OMAAT

      @ nfd -- Access to Priority Pass restaurants will be granted, so it'll be more like the membership through Chase than through Amex.

  95. Izz Guest

    One more question, I have yet to apply for a Capital One card, do they still lower your score on all 3 bureaus, and how will it affect my 5/24 with chase, does it count like 3 pulls or 1?

    1. Ben Schlappig OMAAT

      @ Izz -- Capital One does pull from all three bureaus. Personally that's not something I care about much, as the implications should be limited for those who have good credit.

      For Chase's 5/24 purposes, that still only counts as one new account.

    2. Izz Guest

      Thanks so much for this reply and the reply to my other comment! Cannot wait to apply and will wait for the update on your site when you have a referral link.

  96. Izz Guest

    Seems like a great offer!

    Does anyone know the details of this Priority Pass membership that comes with the card? Is it similar to Chase where Restaurants are included, or is it like Amex where it is not included?

    1. Ben Schlappig OMAAT

      @ Izz -- Priority Pass restaurants will be included.

  97. Alonzo Gold

    Having to use their portal for bookings, no thanks. Chase is starting to go the same route. I like to book direct. Takes out the guess work when something goes wrong like a flight delay/cancellation or that infamous "we can't locate your reservation" when arriving at a hotel. Yuck.

    1. Ben Schlappig OMAAT

      @ Alonzo -- I agree in general and have historically avoided using credit card travel portals. However, I think it's easy enough to use the portal at least once per year to save $300. On top of that, the Capital One Travel portal is actually pretty well done, unlike some of the other ones out there.

  98. Alec Higgins Guest

    Will this become your card for every day spend then? I currently use Chase Unlimited for that but this seems like a better options

    1. Ben Schlappig OMAAT

      @ Alec Higgins -- Yep, it will definitely become my card for everyday spending. You can't beat earning 2x airline miles with no foreign transaction fees and no caps on points earning.

    2. DT Guest

      Have you been using the regular Venture card for everyday spend? Because that also earns 2x/$ and has been available for a long time.

  99. bryan Guest

    Will this give access to Priority Pass Restaurants, unlike amex?

    1. Ben Schlappig OMAAT

      @ bryan -- It sure will, there will be no exclusions.

  100. Damiano Guest

    The most important question is: is it going to be made of metal? :)

    1. Ben Schlappig OMAAT

      @ Damiano -- I've confirmed that the card will be made of metal.

    2. xdambox New Member

      @ Ben, thank you!

  101. HoKo Guest

    I haven’t had much success in recent years getting approvals from Cap1. Are there any thresholds where rejection is guaranteed (i.e. something along the lines of 5/24)?

    1. Ben Schlappig OMAAT

      @ HoKo -- The only major restriction I'm aware of is that you can generally only get one Capital One card every six months. Capital One can be a bit strange with approvals sometimes even beyond that, so you're not alone there.

    2. HoKo Guest

      Thanks for the quick response. How would a recent Cap1 rejection affect the six-month clock...for example, if I got denied for a Cap1 card in June 2021, do I need to count six months from that date before trying for this new card?

  102. JB Guest

    Is there a limit to how many authorized users you can add?

    1. Ben Schlappig OMAAT

      @ JB -- You can add up to four authorized users to the card at no cost.

    2. Speck Guest

      Do authorized users get Priority Pass access as well?

    3. Ben Schlappig OMAAT

      @ Speck -- Yep!

  103. Tahsin Guest

    Not sure if I should upgrade the Venture card or just get this new card. But, yes this seems too good to be true, especially for under $400 annual fee. Looking forward to this coming out!

    1. Ben Schlappig OMAAT

      @ Tahsin -- It's probably worth seeing what eligibility requirements will be like. I'm not positive yet if Capital One Venture cardmembers will be eligible for the card (including the bonus), or if product changing is the only way to get it. I'll ask a contact and report back.

    2. Ben Schlappig OMAAT

      @ Tahsin -- As an update, I've been told that it will be possible to be a cardmember of both cards, so that's a great opportunity.

    3. JD Guest

      Do you know if you will be able to product change to it?

    4. Francois Guest

      If you can hit the sign up bonus which you have 6 months to do then I would apply for the new one and then close or downgrade the old one. Too much money to leave on the table.

Featured Comments Most helpful comments ( as chosen by the OMAAT community ).

The comments on this page have not been provided, reviewed, approved or otherwise endorsed by any advertiser, and it is not an advertiser's responsibility to ensure posts and/or questions are answered.

James S Guest

No $80 in credits at obscure stores distributed in $6 increments every month? Really missing out on that Amex Value.

7
Stu Guest

I was already planning on dumping my Amex Platinum, which I love but I refuse to stomach the new $695 annual fee. If I can can get the 100K bonus while upgrading my Venture Rewards card, I'll probably jump all over this.

2
xdambox New Member

If it's a Visa Infinite, which is confirmed, it should automatically include primary rental car insurance, AFAIK, which is huge.

2
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