ResourcesCalculatorsCapital One Venture X
$395 Annual Fee

Is the Capital One Venture X worth it for you?

Drag in your real annual spend. I'll do the miles math the bank won't — earn rates, your credits, and how you redeem — then tell you if the fee pays for itself.

Bonus Miles

Are you opening the card or thinking about closing it? Each situation has its own bonus — but you only get one.

Current offer: 75,000 miles after $4,000 spend in 3 months
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Perk: every year from your first renewal you earn 10,000 bonus miles (~$100 at your current valuation) — not included in year-1 math above.
Your Annual Spend
How you redeem miles
Annual spend by category

Estimate what you charge to the card each year.

Must book via Capital One Travel portal
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Must book via Capital One Travel portal
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Card credits

Drag each slider to reflect how much of the credit you'd realistically use per year.

Includes Capital One Lounges, Priority Pass, and Plaza Premium lounges worldwide. Each visit is worth ~$50 — enter the number of airport lounge visits you expect per year.
visits / yr
$300/yr to spend within the Capital One Travel Portal. Cannot be used for travel booked outside the portal.
Ease of use3/5See why we rated it this way →

Must book through the Capital One Travel Portal — not directly with airlines or hotels. Portal pricing may occasionally be slightly higher than direct booking rates.

$/ $300 max
Up to $120 toward Global Entry ($120) or TSA PreCheck (~$85). Usable once every 4.5 years — enter the full credit if you plan to use it, or $0 if you recently renewed.
Ease of use4/5See why we rated it this way →

Credit applies once every 4.5 years (5-year membership, renewable 6 months early). Application fee must be paid with the Venture X card.

$/ $120 max

Optional — enter a dollar value for any protection or status benefits you'd use.

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Net value after the $395 fee
$-395.00SKIP IT
Rewards earned$395 fee
Miles earned / year0 mi
Rewards value$0.00
Annual fee−$395
Effective return on spend0.00%

Not a referral or affiliate link.

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Educational purposes only. The content on this site — including guides, calculators, card comparisons, and recommendations — is provided for informational and educational purposes only. It does not constitute financial, tax, or legal advice. Credit card terms, rewards rates, and benefits change frequently; always verify details on the issuer’s official website before applying. He’s Got a Point is not a licensed financial advisor.