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What the bonus is worth: $750 toward any travel purchase, or more via transfer partners.
Effectively ~$5 after the $300 travel credit and 10,000 anniversary miles.
The easiest premium card to justify: $300 travel credit + 10,000 anniversary miles ≈ $400 back on a $395 fee, so you're holding a lounge card for about nothing. The 75k bonus and $4,000 spend are the lowest of any premium card here. If you want one premium card and don't want to track a pile of credits, this is it.
Anyone who wants one premium card without a credit checklist. The $300 credit and anniversary miles cover the fee, so the lounge access is effectively free.
| Welcome bonus | 75,000 miles |
|---|---|
| Spend requirement | $4,000 in the first 3 months |
| Annual fee | $395 (Effectively ~$5 after the $300 travel credit and 10,000 anniversary miles) |
| APR | 19.74%–28.74% variable APR on purchases |
| Earns | Capital One miles |
| Network | Visa |
| Checked | Oct 8, 2026 on Capital One's site |
Verified: Capital One's Venture X page, Oct 8, 2026: “Earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening.” Annual fee $395. Source: capitalone.com. Offers change; the issuer's page is final.
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Usually yes. Capital One is known for pulling Experian, TransUnion and Equifax on one application, so expect three hard inquiries.
Answered by StackTheDealThe $300 annual travel credit through Capital One Travel and the 10,000 anniversary miles (worth $100) add up to the fee by themselves, before lounge access and the 75,000-mile bonus.
Answered by StackTheDealYes, as long as you haven't gotten a Venture X bonus specifically within the last 48 months. Capital One's rule is per product, not per family.
Answered by StackTheDealCapital One often declines people with too many recent new accounts or who already hold several Capital One cards. Many people report denials with 6+ new cards in 24 months.
Answered by StackTheDealShortly after the statement closes once you've spent $4,000 within 3 months, typically within a week of that statement.
Answered by StackTheDealNot a published one. The practical rule reported by applicants is roughly no more than one Capital One card approval every 6 months and a limit of two personal Capital One cards.
Answered by StackTheDeal
This is unusually generous for a $95 card — the $300 credit is on top of the normal 75k, so you're looking at a four-figure first year for a sub-$100 fee.
The simplest cash-back card going: one flat rate on everything you buy, a $200 bonus for $500 of ordinary spending, and no annual fee — nothing to optimize, nothing to remember.
The no-fee grocery-and-dining card.
Questions about this offer?
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