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Capital One Venture X Rewards Credit Card
No one expected the Capital One Venture X Rewards Credit Card to be so disruptive. It’s simple, easy, and provides immense benefits and value in excess of the annual fee.
Capital One didn’t follow Chase or Amex down the rabbit hole of higher fees with more and more statement credits you have to track to justify paying those higher annual fees. Instead they debuted a card with the lowest annual fee ( $395 ) of any ultra premium card and the easiest roadmap for recouping those fees.
You’ll get unlimited 2x miles, travel bonus categories, a $300 annual travel credit, and 10k miles every year after your anniversary.
Long story short. It’s an absolute home-run of a credit card.
Capital One Venture X Rewards Credit Card
If you’re looking to add a super premium card to your wallet without having to calculate whether you’re recouping the annual fee every year… the Capital One Venture X Rewards Credit Card may very well be the best fit for you. 2x miles everywhere, lounge perks, and great travel partners make this a killer card
Welcome Offer
100k Capital One Miles when you spend $10k on purchases in first 6 months from account opening, equal to $1000 in travel
Annual Fee
$395
Points Earned
Transferrable Capital One Miles
The Capital One Venture X Rewards Credit Card offers 2x miles on every single purchase you make, a $300 annual credit when booking in Capital One Travel, 10k Miles every year you keep the card ( worth a minimum of $100 in portal ), Priority Pass, Cap1 Lounge Access + when booking via the Capital One Travel Portal you’ll earn 10x miles on hotels and car rentals + 5x miles on flights.
The travel credit and 10k anniversary bonus miles alone recoup the $395 annual fee and they have a great list of transfer partners.
It’s an absolutely killer offer from Capital One.
- Earn 100,000 bonus miles when you spend $10,000 on purchases in the first 6 months from account opening, equal to $1000 in travel
- Receive a $300 annual credit for bookings through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options
- Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
- 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
- Lounge Access
- Enjoy access to 1,300+ lounges worldwide, including Capital One Lounge locations and Priority Pass™ lounges, after enrollment
- Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
- Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
- Cell Phone Protection
- Up to $800 per claim, $50 deductible
- $1600 max per 12 month rolling period
- Receive up to a $120 credit for Global Entry or TSA PreCheck® every 4 years
The best ever offer was 100k after $10k spend in 6 months when the card first debuted, but 75k has been the offer ever since.
We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.
Main Cast:
Cards that earn flexible points and should be used on the bulk of your purchases.
Supporting Cast:
Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on.
You can use the $300 annual credit on hotels like the Peninsula Bangkok which you can’t accrue elite nights or status.
Table of Contents
Capital One Venture X Rewards Credit Card offer and benefits:
- Earn unlimited 2X miles on all other purchases
- Receive a $300 annual credit for bookings through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options
- Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
- Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel
- 5X miles on flights and vacation rentals booked through Capital One Travel
- Enjoy access to 1,300+ lounges worldwide, including Capital One Lounge locations and Priority Pass™ lounges, after enrollment
- Transfer your miles to your choice of 15+ travel loyalty programs
- Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
- Receive up to a $120 credit for Global Entry or TSA PreCheck®
- $395 Annual
75k Miles after $4k spend in 3 months
How can you use 75k Miles?
- $750 within Capital One Travel
- Offset any travel purchase at 1 penny per point
- Transfer to 15+ partners
3 months is industry standard for spend requirements + you’re earning a minimum of 2x on every single purchase. At the very least you’ll walk away with 83k Capital One Miles which you could use in Cap1 travel for a minimum of $830. You know I’m a transfer freak, so this isn’t where I’d throw them, but that’s the bare minimum value.
You could transfer Cap1 Miles into the following partners to fly Swiss Business Class
- Avianca LifeMiles – 70k Miles
- Aeroplan – 70k Miles
- Singapore – 72k Miles
Capital One Venture X Rewards Credit Card
If you’re looking to add a super premium card to your wallet without having to calculate whether you’re recouping the annual fee every year… the Capital One Venture X Rewards Credit Card may very well be the best fit for you. 2x miles everywhere, lounge perks, and great travel partners make this a killer card
Welcome Offer
100k Capital One Miles when you spend $10k on purchases in first 6 months from account opening, equal to $1000 in travel
Annual Fee
$395
Points Earned
Transferrable Capital One Miles
The Capital One Venture X Rewards Credit Card offers 2x miles on every single purchase you make, a $300 annual credit when booking in Capital One Travel, 10k Miles every year you keep the card ( worth a minimum of $100 in portal ), Priority Pass, Cap1 Lounge Access + when booking via the Capital One Travel Portal you’ll earn 10x miles on hotels and car rentals + 5x miles on flights.
The travel credit and 10k anniversary bonus miles alone recoup the $395 annual fee and they have a great list of transfer partners.
It’s an absolutely killer offer from Capital One.
- Earn 100,000 bonus miles when you spend $10,000 on purchases in the first 6 months from account opening, equal to $1000 in travel
- Receive a $300 annual credit for bookings through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options
- Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
- 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
- Lounge Access
- Enjoy access to 1,300+ lounges worldwide, including Capital One Lounge locations and Priority Pass™ lounges, after enrollment
- Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
- Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
- Cell Phone Protection
- Up to $800 per claim, $50 deductible
- $1600 max per 12 month rolling period
- Receive up to a $120 credit for Global Entry or TSA PreCheck® every 4 years
The best ever offer was 100k after $10k spend in 6 months when the card first debuted, but 75k has been the offer ever since.
We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.
Main Cast:
Cards that earn flexible points and should be used on the bulk of your purchases.
Supporting Cast:
Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on.
Add up to 4 Authorized Users without any additional fees
This is amazing especially when compared to Amex Platinum which charges $175 to add up to 3 additional users and Chase Sapphire Reserve which charges $75. HOWEVER…unless you hit $75k in spend, you will have to pay to bring additional guests into lounges starting Feb 1st, 2026. If you hit $75k in annual spend, you’ll get 2 free guests ( this doesn’t apply to Priority Pass lounges where you’ll get no guests regardless of spend after 2/1/26 ).
What do Capital One Venture X Rewards Credit Card Authorized Users get?
- Hertz President’s Circle Status
- Primary Rental Car Coverage
- Cell Phone Protection
- up to $800 per claim, 2x per year
- $50 deductible
- Return Protection
- up to $300 per year
- Purchase Protection
- up to $10k per claim, $50k per year
- Extended Warranty
- For warranties under 3 years, add a year to it
- If the primary hits $75k in annual spend
- Capital One Lounge Access
- Can bring in 2 guests
- Capital One Lounge Access
Capital One lounge Access
Not only do you get lounge access at Capital One lounges, but until 2/1/26 t you can bring in 2 guests AND add 4 Authorized Users who all get the access as well.
You can read our full review here, but if you’re in Dallas, it’s fantastic.
Priority Pass Lounge Access
Beginning February 1, 2026, guests of Venture X cardholders will no longer receive complimentary access to Priority Pass lounges. At that time, Venture X primary cardholders and eligible additional cardholders can bring guests to Priority Pass lounges at a rate of $35 each per visit. Eligible cardholders still need to enroll in Priority Pass and are subject to the Priority PassTM Terms.
- Some cardholders may be required to re-enroll in Priority Pass to maintain access to Priority Pass lounges. If you are required to re-enroll, you may do so beginning February 1, 2026. Capital One will share additional information about how to re-enroll at this time. Capital One online access is required to enroll or re-enroll in Priority Pass
Unlimited 2x on every single purchase you make
This is where Capital One X really stands out in comparison to other premium cards. You will earn 2x points, without limit, on every single purchase you make.
Global Entry or TSAPre credit
You can receive up to a $120 credit, every 4 years, to put towards membership in either program. Quick tip, membership in Global Entry gets you TSAPre as a part of the program, so you’re better off going that route since its a 2 for 1.
$300 Travel Credit + up to 10x miles with Capital One Travel Portal Bonus Categories
As long as you book your travel through the Cap1 travel portal, you’ll earn a $300 annual credit every year you keep the card. You’ll also get big time bonuses on the following categories
- 10x miles on hotels + rental cars
- 5x miles on airlines
How long does it take for the credit to clear?
It took my account about 4 days. You can see below, charge hit my account on the 4th and was removed on the 8th
Do I earn airline, hotel, car rental points?
Simply:
- Airline – yes
- Hotel – usually no
- Car Rental – usually no
Sometimes, and this is few and far between, someone will override the system and add your loyalty number on a hotel or car rental, but don’t expect this.
Can I use it on Premier Collection and Lifestyle Collection
Absolutely, in fact, I think this is one of the best ways to use it since you get all the additional benefits of those programs + I like to choose boutique properties or those not associated with loyalty programs where I wouldn’t be earning points, elite nights, etc.
Capital One Venture X Rewards Credit Card
If you’re looking to add a super premium card to your wallet without having to calculate whether you’re recouping the annual fee every year… the Capital One Venture X Rewards Credit Card may very well be the best fit for you. 2x miles everywhere, lounge perks, and great travel partners make this a killer card
Welcome Offer
100k Capital One Miles when you spend $10k on purchases in first 6 months from account opening, equal to $1000 in travel
Annual Fee
$395
Points Earned
Transferrable Capital One Miles
The Capital One Venture X Rewards Credit Card offers 2x miles on every single purchase you make, a $300 annual credit when booking in Capital One Travel, 10k Miles every year you keep the card ( worth a minimum of $100 in portal ), Priority Pass, Cap1 Lounge Access + when booking via the Capital One Travel Portal you’ll earn 10x miles on hotels and car rentals + 5x miles on flights.
The travel credit and 10k anniversary bonus miles alone recoup the $395 annual fee and they have a great list of transfer partners.
It’s an absolutely killer offer from Capital One.
- Earn 100,000 bonus miles when you spend $10,000 on purchases in the first 6 months from account opening, equal to $1000 in travel
- Receive a $300 annual credit for bookings through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options
- Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
- 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
- Lounge Access
- Enjoy access to 1,300+ lounges worldwide, including Capital One Lounge locations and Priority Pass™ lounges, after enrollment
- Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
- Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
- Cell Phone Protection
- Up to $800 per claim, $50 deductible
- $1600 max per 12 month rolling period
- Receive up to a $120 credit for Global Entry or TSA PreCheck® every 4 years
The best ever offer was 100k after $10k spend in 6 months when the card first debuted, but 75k has been the offer ever since.
We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.
Main Cast:
Cards that earn flexible points and should be used on the bulk of your purchases.
Supporting Cast:
Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on.
10k Miles every year
Starting in year two, you’ll get an 10k Venture Miles each year you keep the card as an anniversary bonus. Those 10k miles can be redeemed for $100 towards travel or transfer into partners…which is how I’d go about using them.
Cover Travel Purchases at a penny a point
You’ll see an option to use points to eliminate travel charges from your account after you’ve already spent them.
Create Virtual Cards for online purchase and deter fraud
It’s very simple and prompted on both the app and online when you login.
Capital One Transfer Partners are very valuable
Here’s a pretty chart referencing Capital One transfer partners. I’m really impressed with how far Capital One has come in just a few years regarding their push to establish themselves in the travel rewards ecosystem. This is an impressive list of 15+ partners and all but two are 1:1
- The following partners are now 1:1
- Aeromexico Club Premier
- Air Canada Aeroplan
- Avianca LifeMiles
- Air France Flying Blue
- British Airways Executive Club
- Cathay Pacific Asia Miles
- Choice Privileges
- Etihad Guest
- Emirates
- Finnair Plus
- Qantas Frequent Flyer
- Qatar Avios
- Singapore Airlines
- TAP Air Portugal Miles&Go
- Turkish Airlines Miles and Smiles
- Virgin Red
- Wyndham Rewards
- JetBlue 5:3
- Accor transfer 2:1
- EVA transfers 2:1.5
- Japan Airlines 1000:750
- I Prefer: 1000:2000
Read this article to see the 50 best ways to use Capital One Miles
Hertz President’s Circle Status
Just be being a Capital One Venture X Rewards Credit Card cardholder you get top tier Hertz President’s Circle Status. One of the benefits that I have enjoyed is being able to select the car you want out of exclusive President’s Circle lanes at the rental car lot. You can enroll your card via this link.
Rental Car Coverage + Cell Phone Protection + Return Protection
The Capital One Venture X Rewards Credit Card comes with primary rental car coverage, Cell phone protection, and Return Protection all via Visa Infinite.
- Primary Coverage, up to $75k vehicle
- Guaranteed Collision Damage Waiver
- See link for exclusions
Auto Rental Collision Damage Waiver reimburses You for damages caused by theft or collision — up to the Actual Cash Value of rental vehicles with an original manufacturer’s suggested retail price of up to seventy-five thousand dollars ($75,000.00) when new. Auto Rental Collision Damage Waiver covers no other type of loss. For example, in the event of a collision involving Your rented vehicle, damage to any other driver’s car or the injury of anyone or anything is not covered. Rental periods of fifteen (15) consecutive days within Your country of residence, and thirty-one (31) consecutive days outside it, are both covered. (Longer rental periods, however, are not covered).
- Up to $800 per claim, $50 deductible
- $1600 max per 12 month rolling period
- Up to $300 per item, $1000 max per year, see the link for exclusions
If You are disappointed with an item, within ninety (90) days from the date of purchase, and the retailer will not accept a return, You can be reimbursed for the purchase price, up to three hundred dollars ($300.00) per item of personal property, and an annual maximum of one thousand dollars ($1,000.00), per Account.
How does the $395 annual fee compare to other premium cards?
Let’s just quickly compare the face value on Annual Fees to other bank’s premium cards and the credits that they offer. What you’ll see is that the Capital One $300 annual travel credit is very straight forward. Spend $300 in the Capital One travel portal and you’ll get credit for it. While Amex has the most credits to offset the fee, its also the most complicated and specific on the fees. Chase Sapphire Reserve and Citi Thank You Prestige offer straight forward travel credits, but leave you paying a higher annual fee as well.
- $895 American Express Platinum (Rates and Fees).
- $200 Uber Cash + $120 Uber One Credit:
- You can receive $15 in Uber Cash each month plus a bonus $20 in December when you add your Platinum Card® to your Uber account to use on rides and orders in the U.S when you select an Amex Card for your transaction.
- Plus, when you use the Platinum Card® to pay for an auto-renewing Uber One membership, you can get up to $120 in statement credits each calendar year. Terms apply.
- $300 Digital Entertainment Credit:
- Get up to $25 in statement credits each month after you pay for eligible purchases with the Platinum Card® at participating partners.
- Now includes Paramount+, YouTube Premium, and YouTube TV alongside Disney+, a Disney+ bundle, ESPN, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required
- Enrollment required.
- Get up to $25 in statement credits each month after you pay for eligible purchases with the Platinum Card® at participating partners.
- $600 Hotel Credit:
- Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts® or The Hotel Collection* bookings through American Express Travel® using the Platinum Card®.
- *The Hotel Collection requires a minimum two-night stay.
- $400 Resy Credit + Platinum Nights by Resy:
- When you use the Platinum Card® to pay at U.S. Resy restaurants and to make other eligible purchases through Resy, you can get up to $100 in statement credits each quarter
- Platinum Nights by Resy,
- you can get special access to reservations on select nights at participating in demand Resy restaurants with the Platinum Card®. Simply add your eligible Card to your Resy profile to book and discover Platinum Nights reservations near you, enrollment required.
- $209 CLEAR® Plus Credit:
- CLEAR® Plus helps get you to your gate faster by using unique facial attributes to verify you are you at 50+ airports nationwide. You can cover the cost of a CLEAR Plus Membership* with up to $209 in statement credits per calendar year after you pay for CLEAR Plus with the Platinum Card®. *Excluding any applicable taxes and fees. Subject to auto-renewal.
- $200 Airline Fee Credit:
- Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to the Platinum Card® Account*. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
- $300 lululemon Credit:
- Enjoy up to $75 in statement credits each quarter when you use the Platinum Card® for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That’s up to $300 in statement credits each calendar year. Enrollment required.
- $155 Walmart+ Credit:
- Receive a statement credit* for one monthly Walmart+ membership (subject to auto-renewal) after you pay for Walmart+ each month with the Platinum Card®. *Up to $12.95 plus applicable local sales tax. Plus Ups not eligible.
- $100 Saks Credit:
- Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue or saks.com on the Platinum Card®. That’s up to $50 in statement credits from January through June and up to $50 in statement credits from July through December. No minimum purchase required. Enrollment required.
- Up to $200 ŌURA Credit: (enrollment required )
- Up to $200 back in statement credits each calendar year when Card Members use the Platinum Card to purchase an ŌURA Ring through OURAring.com. Enrollment required.
- Lounge Access
- Global Lounge Collection®,
- Access to Centurion Lounges,
- 10 complimentary Delta Sky Club® visits when flying on an eligible Delta flight (subject to visit limitations),
- Priority Pass Select membership (enrollment required), and other select partner lounges. * As of 07/2025.
- Rental Car Status (enrollment required )
- Hertz President’s Circle
- Avis Preferred Plus
- National Executive
- Hotel Status (enrollment required )
- Marriott Bonvoy Gold
- Hilton Honors Gold
- Leading Hotels of the World Sterling Status
- $895 annual fee.
- Terms Apply.
- See Rates & Fees
- $200 Uber Cash + $120 Uber One Credit:
- $795 Chase Sapphire Reserve
- $300 Annual Travel Credit
- $500 annual The Edit℠ credit
- Chase Travel℠’scollection of over 1,100 hand-picked hotels and resorts
- Get up to $250 in statement credits from January through June, and again from July through December for a maximum of $500 annually for prepaid bookings made with The Edit℠.
- Two-night minimum
- Purchases that qualify will not earn point
- $300 annual dining credit and primetime reservations at Sapphire Reserve Exclusive
- Tables, available for booking on OpenTable
- Split into 2 $150 credits every 6 months
- $250 annual value through complimentary subscriptions to Apple TV+ and Apple Music
- $300 annual StubHub credit on concert and event
- $120 application fee credit every four years for
- Global Entry, NEXUS, or TSA PreCheck(R).
- $120 Peloton credit
- $10 monthly credit
- $120 Lyft credits
- $10 monthly credit
- $495 Citi Thank You Prestige
- Up to $250 Travel Credit
- $395 Capital One Venture X Rewards Credit Card
- Up to $300 Travel Credit to be used in Capital One Travel Portal
- 10k miles anniversary bonus starting in year 2, worth $100 in Capital One Travel or transferred out
Approval tips
- Capital One will only process one credit card per 6 months…so if you’ve already applied for one in that time frame, you’re going to have to wait.
- This means both business and personal.
- For instance, if you recently picked up their Spark Miles for Business card – you’ll need to wait until it’s been more than 6 months.
- Current Venture Cardholders are eligible
Can you combine your miles with other Capital One accounts? This is incredible.
Yes, you can combine your points into one account. This applies to accounts under your name, and also to ANYONE else that has a Venture or Spark account. Pretty awesome.
Earn points from referrals? You betcha, up to 100k every year.
Capital One will allow you to earn up to 100k points per year referring the card, 25k per referral. As soon as this becomes possible I will create a referral page where you can leave your links. I gotchuuuuuuu
- 100k miles Max
- 25k miles per referral
Overall: It’s plain and simple to see how you can earn your $395 annual fee back every single year.
I think Capital One absolutely NAILED the drop of their new premium card. This is a card I have in my wallet and use on every non-bonus purchase I make.
Pay $395 fee and get:
- $300 Travel Credit in the Capital One Portal
- 10k miles worth a minimum of $100
That’s without even taking into account the 2x miles, lounge access, welcome bonus, etc.
Over the past few years, Capital One has quietly been gaining traction on Chase and Amex. Not only do they have an incredible list of transfer partners, which puts them in the ring with the heavyweights, but they landed some serious body blows earlier this year when they dramatically improved their transfer ratio – the program is nearly all 1:1 now.
Capital One Venture X Rewards Credit Card
If you’re looking to add a super premium card to your wallet without having to calculate whether you’re recouping the annual fee every year… the Capital One Venture X Rewards Credit Card may very well be the best fit for you. 2x miles everywhere, lounge perks, and great travel partners make this a killer card
Welcome Offer
100k Capital One Miles when you spend $10k on purchases in first 6 months from account opening, equal to $1000 in travel
Annual Fee
$395
Points Earned
Transferrable Capital One Miles
The Capital One Venture X Rewards Credit Card offers 2x miles on every single purchase you make, a $300 annual credit when booking in Capital One Travel, 10k Miles every year you keep the card ( worth a minimum of $100 in portal ), Priority Pass, Cap1 Lounge Access + when booking via the Capital One Travel Portal you’ll earn 10x miles on hotels and car rentals + 5x miles on flights.
The travel credit and 10k anniversary bonus miles alone recoup the $395 annual fee and they have a great list of transfer partners.
It’s an absolutely killer offer from Capital One.
- Earn 100,000 bonus miles when you spend $10,000 on purchases in the first 6 months from account opening, equal to $1000 in travel
- Receive a $300 annual credit for bookings through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options
- Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
- 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
- Lounge Access
- Enjoy access to 1,300+ lounges worldwide, including Capital One Lounge locations and Priority Pass™ lounges, after enrollment
- Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
- Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
- Cell Phone Protection
- Up to $800 per claim, $50 deductible
- $1600 max per 12 month rolling period
- Receive up to a $120 credit for Global Entry or TSA PreCheck® every 4 years
The best ever offer was 100k after $10k spend in 6 months when the card first debuted, but 75k has been the offer ever since.
We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.
Main Cast:
Cards that earn flexible points and should be used on the bulk of your purchases.
Supporting Cast:
Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on.
Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.
Chase Sapphire Preferred® Card
Welcome Offer
Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening
Annual Fee
$95
Points Earned
Transferrable Chase Ultimate Rewards
- 5x on all travel purchased through Chase Travel℠
- 3x on dining, including eligible delivery services for takeout & dining out
- 3x on select streaming services
- 3x on online grocery purchases
- (excluding Target, Walmart and wholesale clubs)
- $50 Annual Chase Travel Hotel Credit via Chase Travel℠
- The begins immediately for new cardmembers and after your account anniversary for existing cardmembers
- 2x on all other travel
- 10% Anniversary Points Boost
- each account anniversary you’ll earn bonus points equal to 10% of your total purchases made the previous year
- Points are transferrable to 14 Ultimate Rewards partners
- No foreign transaction fees
- Suite of Travel and Purchase Coverage
- Auto Rental Collision Damage Waiver is my favorite
- Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders
- $95 Annual Fee
We keep an up to date spreadsheet that lists the best ever offers: You can find that spreadsheet here.
Historically 80k is a very, very good offer and hit in both 2022 and 2023. In 2021, we saw the offer hit an all time high of 100k. Who knows if that will ever come back.
Main Cast:
Cards that earn flexible points and should be used on the bulk of your purchases.
Supporting Cast:
Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on.
The Chase Sapphire Preferred® is exceptional starter card and offers transferrable Ultimate Rewards, and pairs well with other Chase cards.
If you carry this card alongside Chase’s cashback cards like the Chase Freedom Flex® and Chase Freedom Unlimited® or the business versions: Ink Business Cash® , Ink Business Unlimited® you can combine the points into Preferred account and transfer into hotel and airline partners
Annual fee is quite low at $95 a year + you get a 10% anniversary bonus on points + $50 hotel credit in Chase travel.
The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved, or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.