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What You Need to Know About the Capital One Venture X Travel Credit

A key card feature is changing.

A Capital One Travel Credit Has Changed

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When you have rewards credit cards, changes to the program are expected.

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Capital One recently informed cardholders who have the Venture X Rewards Credit Card that one of their key benefits has changed. Since the card's launch, cardholders have enjoyed an annual $300 travel credit that was applied as a statement credit after you purchased an eligible travel booking through Capital One Travel.

Going forward, however, there is no more statement credit. Now, users will be able to redeem a $300 discount at the time of purchase.

Find out what this means for cardholders, if there's any real difference and how the new $300 credit will work.

Same $300 Credit, But Applied Differently

Given Venture X's annual fee of $395, the $300 travel credit goes a long way toward offsetting the cost of carrying the card. In the past, cardholders would use their card to book a trip via Capital One Travel costing $300 or more, and then – a statement cycle or two later – they'd receive a statement credit of $300.

Now, instead of waiting for the credit card statement to arrive, you'll apply the $300 credit at the time of booking. So essentially you get a $300 upfront discount.

How the Change Impacts Cardholders

On the surface, not having to wait for your $300 savings sounds great. But it will cost cardholders some rewards dollars, because rewards will not be earned on the credit.

That refers earning 10 points per dollar spent on purchases made through Capital One Travel. Prior to the change, if you booked a trip for $400, you'd earn 4,000 points – which is the equivalent of $40 in rewards – and then you’d get your $300 statement credit soon after.

If you book that same $400 trip now, you'll get an instant $300 discount, meaning you'll only earn rewards on the remaining $100 purchase amount. So instead of 4,000 points, you'll only earn 1,000 – taking your real dollar earnings from $40 to $10.

Basically, the updated terms mean that the card is losing $30 in annual value. With many other benefits, perks and earning opportunities, that may not make a difference to cardholders. For those considering the card, it's up to you to decide if it's a deal breaker.

Ultimately, credit cards have the right to change their program terms and conditions at any time. But in the world of higher-tier travel rewards cards, people take seriously any changes that diminish a card's value. As such, there's been some online chatter along those lines among cardholders alerted about the change.

Capital One's Take

A Capital One spokesperson says, "This change comes from Capital One always listening to its customers and continuing to build a seamless booking experience for them from start to finish. Now that customers receive the annual credit immediately within Capital One Travel, it's easier for them to decide when to apply the credit at their convenience, rather than waiting to receive the statement credit weeks after purchase."

How Travel Credits Work With Other Cards

While some cardholders might be upset about Capital One's updated travel credit policy, other major travel card issuers also don't let you double-dip by earning rewards on travel credit-subsidized purchases.

For example, the Annual Travel Credit offer from American Express is redeemable at the time of purchase when you book travel via American Express Travel, the same way Capital One works now.

With the Chase Sapphire Reserve card, the $300 travel credit is a statement credit, but the terms specify that no rewards will be earned on purchases that qualify for the credit. What's more, you won't earn bonus Chase Ultimate Rewards points on travel purchases until the $300 credit is exhausted.

The Bottom Line

When you have rewards credit cards, tweaks to the program are par for the course. On the positive side, Capital One Venture X Rewards Credit Card users no longer have to wait weeks for their travel credit. But the rare opportunity to earn rewards on top of a travel credit purchase is no more.

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Capital one announces premium venture x credit card, with large welcome offer and array of benefits for avid travelers, capital one launched a new premium travel card packed with benefits and a 100,000-point welcome bonus..

The Capital One Venture X Rewards Credit Card welcome offer mentioned below is no longer available.

Capital One announced today that it will be launching a brand new premium travel credit card called the Venture X . This metal credit card , which will open for applications on Nov. 9, is designed for consumers who value travel, simple rewards categories and want flexibility with the rewards they earn.

With the Venture X, you will have a long list of benefits including airport lounge access (including the new Capital One airport lounges), TSA PreCheck/Global Entry and travel statement credits, access to the Capital One Experiences program and much more.

Select analyzed the new card to help determine whether or not it's worth a spot in your wallet.

Our best selections in your inbox. Shopping recommendations that help upgrade your life, delivered weekly.  Sign-up here .

Capital One introduces the Venture X card

The Venture X card is rich in benefits, yet simple to use. It's a trend among credit card issuers to have a somewhat overwhelming list of perks, making it nearly impossible to take advantage of all of them. This card from Capital One is concise in its offering, however, it comes with a $395 annual fee . But the benefits of the card can quickly make up for the annual fee.

To start, the card comes with an excellent welcome offer:

• Earn 100,000 bonus miles after spending $10,000 on purchases within the first six months of account opening.

If you are able to meet the minimum spending threshold in the first six months, you will have a minimum of 120,000 bonus miles. Because Capital One miles are always redeemable for one cent per point towards travel this is a $1,200 value from the start. But the benefits don't end there.

Earning points

With the Venture X card, you will earn:

• 2X miles for every dollar spent on all eligible purchases. This is the same multiplier as the Capital One Venture Rewards Credit Card.
• When booking travel through the Capital One Travel portal, you will earn 5X miles for every dollar spent on flights and 10X miles for every dollar spent on hotels and rental cars.

Your miles can be redeemed in a few ways, including transfers to 15 different airline and hotel partners (like Air France-KLM Flying Blue and Air Canada Aeroplan), or you can use them to "erase" any recent travel purchases.

The VentureX card comes loaded with benefits that are primarily geared towards travelers:

• Up to $300 back in statement credits each year for bookings made through Capital One Travel
• Up to $200 in statement credits for vacation rentals (i.e. Airbnb and VRBO), note that this is a limited-time benefit
• A 10,000 mile bonus on each account anniversary
• Up to $100 statement credits for either Global Entry or TSA PreCheck®
• Airport lounge access: you will have access to over 1,300 Priority Pass lounges, as well as Capital One Lounges. Venture X cardholders and authorized users will get unlimited access to Capital One and Priority Pass lounges, along with free entry for up to two guests per visit. It's $45 per visit for additional guests.
• Access to the Capital One Travel portal , which includes benefits such as opt-in travel insurance, price drop protection and price match guarantee
• Access to in-person events through the Capital One Experiences program, such as dining and sports events
• Primary cardholders can earn up to 100,000 miles per year for referring friends to the VentureX card (up to four referrals per year; 25,000 miles awarded per referral)
• Complimentary Hertz President's Circle status for primary cardholders, authorized users and account managers. Benefits include: skip the counter and e-return, the widest vehicle selection, guaranteed upgrades, free additional driver, and more.
• Complimentary cell phone insurance
• No additional annual fee to add authorized users

The benefits the Venture X card offers are very compelling, even if you only travel a few times per year. In one trip alone, you can easily use the $300 statement credit for Capital One Travel, and nearly make back the cost of the annual fee. Any use of the other perks only increase the card's value. It's also nice to see Capital One offer an incentive to hold onto the card by offering 10,000 points on your account anniversary.

In addition, cardholders do not need to keep track of any spending categories as all eligible purchases outside of Capital One Travel earns 2X miles for every dollar spent — which is a respectable return, especially if you're transferring points to travel partners. And when booking travel through Capital One, you'll be rewarded big with up to 10X miles per dollar spent.

Compared to other premium credit cards like the Chase Sapphire Reserve® and The Platinum Card® from American Express , this card is focused on travel, rather than offering other lifestyle benefits that have been added to its competitors in recent years. In addition, the Venture X provides perks that make it much simpler and straightforward to earn back the value of the annual fee compared to the other two cards.

Bottom line

The Capital One Venture X Card is the first premium credit card offered by Capital One, and it really packs a punch. With a manageable annual fee, large list of travel benefits and massive welcome bonus, it could make a great addition to your wallet — as long as you can use the perks. If the $395 annual fee seems like to much to bite off it could be worth considering a travel credit card with a lower annual fee .

Additionally, if you decide to apply for the Venture X card, be sure you're able to meet the minimum spend requirements for the 100,000-mile welcome offer. Spending $10,000 in six months could be a stretch, so it may be smart to wait until you have a few large bills or purchases to ensure you complete the bonus. But if you're able to complete it responsibly, this card can get you jumpstarted on taking vacations completely paid for with your Capital One miles.

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Credit Cards

Capital One Quicksilver benefits guide 2024

Lee Huffman

Ashley Barnett

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Published 5:47 a.m. UTC April 22, 2024

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If you’re looking for a straightforward cash-back program without an annual fee, the Capital One Quicksilver Cash Rewards Credit Card * The information for the Capital One Quicksilver Cash Rewards Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. delivers. But the card is more than just a vehicle for budget-conscious consumers to earn rewards, as it comes with other perks, too. 

Capital One Quicksilver overview

The Capital One Quicksilver is a cash-back credit card that offers numerous benefits without charging an annual fee , including unlimited cash-back rewards, a welcome bonus, an intro APR offer and no foreign transaction fees. Here’s everything you need to know about the Capital One Quicksilver’s benefits and rewards.

Major Capital One Quicksilver benefits

As a cardholder, you gain access to Capital One Quicksilver benefits that can enhance the value of your rewards credit card. Some benefits are available for a limited time only, so use them right away to maximize their value.

An easy-to-attain welcome bonus

With the Capital One Quicksilver, you can earn a $200 cash bonus after spending $500 on purchases within the first three months of account opening. The minimum spending requirement to earn this bonus is significantly lower than many other cash-back cards that require spending of upwards of $1,500 or more to earn a bonus.

An intro APR offer on purchases and balance transfers

When you open a Capital One Quicksilver card, one of the benefits is an intro APR offer on purchases and balance transfers. You’ll get a 0% intro APR on purchases and balance transfers for 15 months, then a 19.99% to 29.99% variable APR. There is a 3% fee on each balance transfer in the first 15 months but no fee for amounts transferred at the purchase APR after the first 15 months.

Keep in mind that the standard APR applies to any remaining balance when the intro APR promotion is over.

Unlimited cash-back rewards

One Quicksilver card benefit that is available year after year is the ability to earn an unlimited 1.5% cash back on purchases and 5% cash back on hotels and rental cars booked through Capital One Travel. This gives you a decent cash-back earnings rate on most of your spending without having to keep track of bonus categories. 

Additionally, when you book hotels or rental cars through Capital One Travel, you’ll receive an elevated cash-back rate. Capital One’s travel portal offers free price drop protection on qualifying flights, competitive hotel rates and price matching within 24 hours of booking.

Rewards never expire as long as your account is open and in good standing. You can redeem rewards manually or set up an automatic redemption on either specific calendar days or whenever your rewards balance exceeds a set dollar amount.

No foreign transaction fees

None of Capital One’s credit cards charge foreign transaction fees. These hidden fees increase the cost of your international purchases by up to 3%. Using a card without foreign transaction fees can save you money when traveling or making purchases from an overseas vendor. Capital One will automatically convert the charges to U.S. dollars without tacking on any fees.

Additional benefits worth noting

Other Capital One Quicksilver benefits also provide value, even if they aren’t used frequently. For some cardholders, these benefits can be worth as much as, if not more than, the rewards earned on the card.

Complimentary Uber One membership

When you activate this benefit, you’ll receive up to six months of complimentary Uber One membership statement credits. This benefit is available through November 14, 2024, but note that activation is required. An Uber One membership normally costs $9.99 per month and includes $0 delivery fees on eligible Uber Eats orders, member pricing, no cancellation fees or penalties, as well as other benefits.

Extended warranty

The manufacturer’s warranty is extended for up to an additional year, on eligible purchases made with the card. This benefit applies to eligible warranties of three years or less and doubles the warranty period up to one additional year. For example, if the manufacturer’s warranty is three months, you’ll receive an additional three months of coverage, for a combined total of six months of coverage.

Virtual card numbers

Purchases made online and over the phone are often targeted by criminals to steal your credit card information. Capital One cardholders can use free virtual card numbers from Eno to protect their information and reduce the potential for unauthorized transactions.

Potential drawbacks

While many Capital One Quicksilver benefits are included with the card, no card is perfect. Here are some of the drawbacks to consider.

• Limited redemption options. You have limited redemption options and the card does not have any airline or hotel transfer partners. There are no redemption options to receive outsized value for your rewards, just cash back.
• No bonus categories. Bonus categories provide additional rewards on purchases made at eligible merchants. Getting a card with bonuses that match your biggest spending categories allows you to maximize your rewards.
• Requires excellent credit. People with blemishes on their credit may not qualify for the Quicksilver Card. If your credit needs repair, the Capital One Quicksilver Secured Cash Rewards Credit Card * The information for the Capital One Quicksilver Secured Cash Rewards Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. earns cash-back rewards while building credit.

If the drawbacks are too much for you, you can always opt to cancel your Capital One credit card .

Should you get the Capital One Quicksilver?

The Capital One Quicksilver cash rewards credit card is an excellent choice for people who want a straightforward cash-back credit card . It earns unlimited and straightforward cash-back rewards on every purchase without having to remember bonus categories or activating limited-time offers. 

As a new cardholder, you can earn a welcome bonus and enjoy 15 months of interest-free financing on purchases and balance transfers. Take advantage of the Capital One Quicksilver benefits to maximize the value of your card.

However, if your spending is concentrated in a few categories, you might be better off finding a card with matching bonus categories so you can maximize the rewards on your purchases. 

Additionally, if you like to travel, consider instead one of best travel rewards credit cards that offers transfer partners or comprehensive travel protections. These features can enhance the value of your rewards and save money in case you face problems with your travel plans.

Frequently asked questions (FAQs)

You’ll earn a $200 cash bonus after spending $500 on purchases within the first three months of account opening. These rewards won’t expire as long as your account is open and in good standing. You can redeem rewards for cash back, statement credits or gift cards.

No, you won’t receive rental car insurance when paying with your Capital One Quicksilver Card. For rental car insurance against theft or damage, consider a card like the Capital One Venture X Rewards Credit Card * The information for the Capital One Venture X Rewards Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. , which offers primary auto rental coverage.

Travelers receive automatic travel accident insurance for covered losses on reservations made with the Capital One Quicksilver card. However, the Capital One Quicksilver’s travel benefits are limited; it does not offer trip delay, cancellation or interruption insurance, rental car protection or baggage insurance. To receive these protections, consider a card like the Chase Sapphire Preferred® Card or the Capital One Venture X .

The Capital One Quicksilver includes numerous benefits, but reimbursement for TSA PreCheck is not one of them. For a low-annual-fee Capital One card that reimburses Global Entry or TSA PreCheck application fees, consider the Capital One Venture Rewards Credit Card * The information for the Capital One Venture Rewards Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. , which has a $95 annual fee and will reimburse you up to $100 (via statement credit) every four years for the application fee for one of those Trusted Traveler programs.

The Capital One Quicksilver and Capital One QuicksilverOne cards both earn an unlimited 1.5% cash back on purchases and 5% cash back on hotels and rental cars booked through Capital One Travel, but there are distinct differences.

People with excellent credit are more likely to qualify for the Quicksilver card, which has no annual fee, a lower interest rate, and new cardholders can earn a welcome bonus and take advantage of an intro APR promotion. However, the QuicksilverOne card charges a $39 annual fee and targets people with fair credit.

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

*The information for the Capital One Quicksilver Cash Rewards Credit Card, Capital One Quicksilver Secured Cash Rewards Credit Card, Capital One QuicksilverOne Cash Rewards Credit Card, Capital One Venture Rewards Credit Card and Capital One Venture X Rewards Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Lee Huffman spent 18 years in banking and investments and now uses that insider knowledge to write about credit cards, travel, and other personal finance topics. Lee enjoys showing people how to travel more, spend less, and live better through the power of travel rewards. You can connect with him at BaldThoughts.com.

Ashley Barnett has been writing and editing personal finance articles for the internet since 2008. Before editing for USA TODAY Blueprint, she was the Content Director for an international media company leading the content on their suite of personal finance sites. She lives in Phoenix, AZ where you can find her rereading Harry Potter for the 100th time.

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How to Use the Capital One Venture X $300 Annual Travel Credit

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

The Capital One Venture X Rewards Credit Card comes with a number of benefits for cardholders, including a $300 annual travel credit, Priority Pass membership, 10,000 bonus miles every anniversary, access to Capital One lounges , a minimum of 2 miles per dollar spent for every purchase and more.

In this article, we’ll show you how to use the Capital One Venture X Rewards Credit Card travel credit.

What is the Capital One Venture X Rewards Credit Card travel credit?

Capital One Venture X Rewards Credit Card holders receive a $300 annual travel credit. This comes in the form of statement credits for travel that can be booked through Capital One’s travel portal and paid for with your Capital One Venture X Rewards Credit Card .

» Learn more: The best credit card travel portal for booking flights

What is the Capital One Venture X Rewards Credit Card ?

The Capital One Venture X Rewards Credit Card , with an annual fee of $395 , is one of Capital One’s premium cards .

Although the annual fee is less than what you’d pay for other popular premium credit cards (such as $695 for The Platinum Card® from American Express or $550 for the Chase Sapphire Reserve® ), you should still consider all of the card’s benefits to determine if you can get at least $395 worth of value from the card each year.

One of the best ways to help offset the annual fee and maximize the value that you’ll get from the card is by taking full advantage of the Capital One Venture X Rewards Credit Card ’s $300 annual travel credit.

» Learn more: The best travel credit cards right now

How to use the Capital One Venture X Rewards Credit Card travel credit

Using the Capital One Venture X Rewards Credit Card travel credit is pretty straightforward.

Login and book your travel — including flights, hotels and car rentals — through Capital One's travel portal at capitalonetravel.com .

Pay for your travel using your Capital One Venture X Rewards Credit Card . You can spend $300 or more at once for a single statement credit, or you can make multiple purchases throughout the year and receive multiple statement credits until the total reaches $300.

Keep your Capital One Venture X Rewards Credit Card account open and in good standing — you won’t receive the credit if your account is closed or delinquent.

As you can see, Capital One makes it fairly easy for you to receive Capital One Venture X Rewards Credit Card ’s travel credit.

Other tips for spending your travel credit

Spend it all. You'll receive partial credits if you spend less than $300 on travel and meet the requirements above. So if you only spend $200 through Capital One Travel using your Capital One Venture X Rewards Credit Card , you’ll receive a $200 credit. Be sure to go back and spend the $100 credit you have left if you want to maximize the benefit.

Prepare for delays. Although Capital One says the statement credit will post within 1-7 business days, it can take as long as two billing cycles after purchase for the credit to post.

Know the limitations. Remember that you’ll need to book your travel through the Capital One Travel site to receive the Capital One Venture X Rewards Credit Card travel credit. This is unlike other cards, such as the Chase Sapphire Reserve® , which allows you to earn a travel credit for any spend in the travel category with no requirement for booking through a specific travel portal.

Don't worry about canceled bookings. If you cancel your purchase that you received the travel credit for, the travel credit may be removed but is still eligible for reissue.

Know when it resets. The annual credit is based on your anniversary year, not the calendar year. So once you receive the full $300 travel credit, you'll have to wait until after the anniversary of opening your card to earn the travel credit again.

» Learn more: How does the Capital One Venture X Rewards Credit Card stack up to its competitors?

The bottom line

By taking full advantage of the $300 annual travel credit that comes with the Capital One Venture X Rewards Credit Card , cardholders can recoup much of the card’s $395 annual fee.

To use the Capital One Venture X Rewards Credit Card travel credit, you need to book your travel through Capital One Travel, pay for the travel using your rewards card and ensure your credit card is open and in good standing. Even if you don’t plan on spending $300 or more through Capital One Travel, you can still receive a partial statement for travel booked on the site using your card.

Overall, we recommend that Capital One Venture X Rewards Credit Card holders take full advantage of the $300 annual travel credit to get the most value out of the card and better offset the annual fee.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Capital One's website

2x-5x Earn unlimited 2X miles on every purchase, every day. Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options.

75,000 Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.

1%-10% Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases. Earn 8% cash back on Capital One Entertainment purchases. Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024. Terms apply.

$200 Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening.

2x-10x Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel, Earn unlimited 2X miles on all other purchases.

75,000 Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel.

How To Transfer Capital One Miles

Vault’s viewpoint.

• If you have a Capital One credit card that earns miles, you can transfer your miles to Capital One’s 18 hotel and airline transfer partners to book travel.
• We’ll walk you through each step of transferring your miles.
• Capital One miles are worth 1.21 cents apiece on average, according to Newsweek Vault’s valuations, but the right award booking can net you greater value for your rewards.

Step by Step on How To Transfer Capital One Miles

Transferring your Capital One miles to travel partners is easy, and the process for doing so is mostly the same whether you do it in a web browser or on the mobile app (though the exact layout of pages may be slightly different). Here’s the step-by-step guide for how to do it:

1. Log In to Your Account and Find the Miles Transfer Page

From your account dashboard, find the tile that says “Explore Rewards and Benefits” and click on the “View Rewards” button.

On the next page, you’ll be presented with several options to redeem your miles. (You may need to scroll down to see them all.) Click on the tile that says “Convert rewards.”

2.Find Your Desired Transfer Partner

You’ll be taken to a page listing all of Capital One’s transfer partners, their transfer ratios and any current transfer bonuses. From the list, find the partner you want to transfer your miles to, then click the “Transfer Miles” text to the right of the partner’s name.

3. Link Your Partner Loyalty Account

You’ll see a pop-up prompting you to enter your partner loyalty account information to link it to your Capital One account. If you don’t yet have an account with the loyalty partner, you can create one on the partner’s website.

Once you’ve entered your information, click “Next.”

4. Enter Your Desired Transfer Amount and Complete the Transfer

Enter how many Capital One miles you want to transfer in the box provided, then click the “Complete Transfer” button to finalize the transaction. Remember, all transfers are final, so double-check that all your information is correct before proceeding with this step.

After your transfer is successful, you’ll get an email confirming the details of the transfer.

Value of Capital One Miles

Newsweek Vault values Capital One miles at 1.21 cents per mile, based on average calculations that take into account redemption options like cash back, statement credits and gift cards as well as transfers to travel partners. But, as with any credit card rewards program with flexible rewards, how much your miles are worth depends on exactly how you redeem them.

Aside from point transfers, these are some common redemption options and the value they give you for your miles:

• Statement credit to cover eligible travel purchases: 1 cent per mile. Keep in mind you can only use this option to offset specific purchases that Capital One considers “travel,” up to the amount of the purchase. You can’t redeem your miles for a general statement credit at the 1 cent/mile rate.
• Gift cards: varies by gift card, most are 0.8 cents per mile
• Cash back: 0.5 cents per mile
• Shop with PayPal: 0.8 cents per mile
• Shop with Amazon: 0.8 cents per mile

Note that these values only apply to Capital One cards that earn miles—such as the Capital One Venture Rewards Credit Card or Capital One Venture X Rewards Credit Card . Capital One cards that earn cash back, such as the Capital One Savor Cash Rewards Credit Card , have different redemption options and redemption rates. Cash back cards also don’t have direct access to transfer partners like miles-earning cards do.

Speaking of transfer partners, the value you’ll get out of your Capital One miles via point transfers can vary widely depending on the transfer partner and specific award booking. While the transfer ratios between Capital One and a travel partner are fixed (generally 1:1, with a few exceptions), the amount of points you’ll need to spend on any particular booking is determined by the specific loyalty program’s award rates and award availability.

Many travel rewards experts like to use the cents-per-point valuation method when calculating what rewards points/miles are worth in any given award booking. You can calculate it with the following formula:

Cents-per-point value of an award booking = [cash value of the booking – any taxes and fees paid in cash] / [points cost of a booking]

Even within the same rewards program, different bookings can have different values depending on the date or fare class. For example, take this one-way Air Canada flight from Boston to Montreal.

Here’s the cost of the flight in Aeroplan points, plus $38 Canadian Dollars (approximately $28 in United States Dollars) in taxes and fees. Capital One miles transfer to Aeroplan at a 1:1 ratio (barring any transfer bonuses), so the cost in Capital One miles is the same as the cost in Aeroplan points.

And here’s how much the same flight would cost in cash (prices shown in USD).

Using the cents-per-point valuation equation mentioned above, using your Capital One miles (converted to Aeroplan points) to book an economy flight would give you 1.6 cents/mile based on the following calculations:

[150 – 28] / 7,700 = 0.016 = 1.6 cents/mile

A business class flight would give you 2.2 cents/mile. While both can be considered worthwhile redemption, the business class flight gives you more monetary value for your miles.

However, that doesn’t mean a business class flight is the better option for everyone. If you don’t value luxury and would never pay $346 for a business class flight in the first place, the cents/mile calculation isn’t an accurate measure of the value you, personally , will get from this particular redemption.

Should You Transfer Your Capital One Miles?

Transferring your Capital One miles to travel partners is generally the best way to redeem them, as long as you can find a good deal on a flight or hotel award booking. But before you make the transfer, make sure you’ve considered the following:

• Have you confirmed award availability? Miles transfers are final, so make sure you find an award booking you want, confirm that it’s available and are otherwise ready to book before you finalize the transfer.
• Are you getting good value for your points? Aim to get at least 1 cent per mile on the award booking, as that’s the baseline value you’d get by redeeming your miles for a statement credit against travel purchases. If the cents-per-mile value is less than 1 cent, consider paying for the booking in cash, then either redeem your miles for a statement credit or save them for future use.
• Are there any transfer bonuses? Sometimes, Capital One will offer transfer bonuses to specific partners. For example, a 25% transfer bonus to an airline partner that normally has a 1:1 transfer ratio would mean 1,000 Capital One Miles can net you 1,250 points in that airline’s rewards currency. Transfer bonuses are a good way to boost the value of your miles, but you should only transfer points if you know for sure you’re going to make a booking with that partner.

Related Articles

• How To Choose a Credit Card
• How Many Credit Cards Should I Have? 
• Best Credit Cards

Frequently Asked Questions

How many transfer partners does capital one have.

Capital One has 18 transfer partners—15 airlines and three hotel brands. Learn more about Capital One’s transfer partners here .

What Is the Minimum Transfer Amount for Capital One Miles?

The minimum transfer amount for Capital One Miles is 1,000 miles. Beyond that, you can transfer your miles in increments of 100 miles.

How Can You Earn Capital One Miles?

You can earn Capital One Miles through the rewards programs of the following Capital One credit cards: the Capital One VentureOne Rewards Credit Card , Capital One Venture Rewards Credit Card , Capital One Venture X Rewards Credit Card , Capital One Venture X Business , Capital One Spark Miles for Business and Capital One Spark Miles Select for Business.

The post How To Transfer Capital One Miles first appeared on Newsweek Vault .

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Best hotel credit cards for May 2024

Anytime you go on vacation, the hotel you choose can have a big impact on your trip — whether you prioritize luxury accommodations with the best views and amenities, or just need a place to sleep and recharge before setting back out to explore.

No matter what type of traveler you are, you could save more on hotel stays when you travel with a hotel credit card. Get started below with our top picks for any traveler looking to maximize hotel rewards today.

Here’s a look at the best credit cards to save on an upcoming hotel stay:

Chase Sapphire Preferred® Card : Best for general travel rewards

Annual fee: $95

Welcome offer: Earn 60,000 Chase Ultimate Rewards bonus points after spending $4,000 within the first 3 months

5x points on travel purchased through Chase Travel (not including hotel spending that applies toward your annual credit)

3x points on dining

3x points on online grocery purchases (excluding Target, Walmart, and wholesale clubs)

3x points on select streaming services

2x points on all other travel

1x points on all other purchases

More details: Get a $50 statement credit toward hotel bookings you make through Chase Travel each account year, plus an annual points bonus worth 10% of your spending over the prior year. Chase Sapphire Preferred also has travel and purchase protections and a few added benefits from partners like Instacart, Lyft, and more.

Why we like this card: We like the value you can get from the Chase Sapphire Preferred , whether you’re a seasoned travel pro or a beginner to travel rewards. For hotels specifically, the small $50 annual credit alone can make up more than half the annual fee cost — and beyond that, you’ll earn 5x points on hotels through Chase Travel and 2x on hotels you book elsewhere.

Redeeming your rewards for hotel stays or other travel expenses through Chase Travel is also a great benefit. The redemption boost you’ll get makes each Chase Sapphire Preferred point worth 25% more, or 1.25 cents per point. Take the 60,000-point bonus for example — you can earn $750 toward your next hotel stay (or other travel purchase) when you book through Chase.

Marriott Bonvoy Boundless® credit card : Best for Marriott

Welcome offer: Earn 3 Free Night Awards (worth up to 50,000 points each) after spending $3,000 within the first 3 months

Up to 17x points on purchases with Marriott Bonvoy hotels (6x points with your card, 10x points for being a Bonvoy member, and 1x point with Silver Elite status — complimentary with card membership)

3x points on the first $6,000 in combined spending at grocery stores, at gas stations, and on dining

2x points on all other purchases

More details: Marriott Bonvoy members get plenty of extra savings on hotel stays with this card. Start with a Free Night Award every account anniversary, worth up to 35,000 points. Plus get 15 Elite Night Credits each year, another Elite Night Credit for every $5,000 you spend, automatic Silver Elite status, Gold Elite status after spending $35,000 in a calendar year, and more.

Why we like this card: For a relatively affordable $95 annual fee, loyal Marriott customers can rack up plenty of free nights and other benefits with the Bonvoy Boundless card. Not only will you get an annual Free Night Award starting on your first cardmember anniversary, but you can earn three free nights right from the start with the card’s welcome bonus.

We also like that the Bonvoy Boundless benefits your purchases at home and while traveling. Take the 3x grocery store , gas station, and dining categories for example. If you max out these categories with a combined $6,000 spent each year, you’ll earn 18,000 points. With award night redemptions starting at 7,500 points, that’s two more nights each year — before even accounting for your other earnings.

Then there are the status benefits. You’ll get complimentary Silver Elite status, which comes with 10% bonus points on eligible stays, late checkout, and more — plus the opportunity to earn Gold Elite status (adding welcome gifts at check-in and room upgrades) after you spend $35,000 in a calendar year.

Hilton Honors American Express Card : Best for Hilton

Annual fee: $0 ( see rates and fees )

Welcome offer: Earn 80,000 Hilton Honors points after spending $2,000 within the first 6 months

7x points on eligible purchases directly with Hilton hotels and resorts

5x points at U.S. restaurants

5x points at U.S. supermarkets

5x points at U.S. gas stations

3x points on all other purchases

More details: This no annual fee card doesn’t offer a ton of extra benefits, but you will get complimentary Silver status with the opportunity to upgrade to Gold status after you spend $20,000 in a calendar year.

Why we like this card: The Hilton Honors Amex Card proves that you don’t have to pay a big annual fee to get big rewards. While you’ll earn the most rewards on your stays with Hilton, you can also earn a solid 5x points on everyday spending at U.S. supermarkets, restaurants, and gas stations — plus 3x rewards in all non-category spending. With Hilton Honors reward nights starting at 5,000 points per night, those extra points can take you far.

You can also get a lot of value from your complimentary Silver status the Hilton Honors American Express Card offers. Status perks include a 20% points bonus on Hilton stays, your fifth night free on award stays, elite rollover nights, and more. If you score the Gold status upgrade (after spending $20,000 in a calendar year), you’ll also receive room upgrades when available, daily food and beverage credits, milestone bonuses, and a boosted 80% points bonus on stays.

Wyndham Rewards Earner® Plus Card : Best for Wyndham

Annual fee: $75

Welcome offer: Earn 100,000 Wyndham Rewards points after spending $2,000 within the first 3 months (worth up to 13 free nights)

6x points on purchases at Hotels by Wyndham

6x points on qualifying gas purchases

4x points on dining

4x points on grocery store purchases (excluding Target and Walmart)

More details: This card’s added benefits help make the most of your Wyndham stays. There’s an automatic upgrade to Platinum membership level, with perks like early check-in, late checkout, preferred room choice, Caesar Rewards status match, and upgrades on Avis and Budget car rentals. Each year after your first account anniversary, you’ll receive 7,500 bonus points (enough for a free night). This card also has a 0% intro APR on balance transfers .

Why we like this card: Wyndham may not have as many well-known credit card options as chains like Hilton or Marriott, but it does have a comparable number of locations — with more than 9,000 worldwide properties. And with the Rewards Earner Plus, there are plenty of ways to save anytime you book a stay.

Automatic status and the anniversary points bonus are two perks you can benefit from year after year. And for new cardholders, this card’s 100,000 welcome bonus — enough points for up to 13 free nights — is hard to beat.

Like other hotel cards on our list, we also like that the Wyndham Rewards Earner Plus rewards non-travel spending. Not only are gas station purchases one of the card’s top-earning bonus categories, but each of the everyday rewards categories has no annual spending cap, guaranteeing you can maximize every dollar you spend.

Capital One Venture X Rewards Credit Card : Best premium hotel card

Annual fee: $395

Welcome offer: Earn 75,000 Capital One miles after spending $4,000 within the first 3 months

10x miles on hotels and rental cars booked through Capital One Travel

5x miles on flights booked through Capital One Travel

2x miles on all other purchases

More details: The Venture X card offers $300 in annual credits for travel you book through Capital One Travel. Each year starting on your account anniversary, you’ll also get 10,000 anniversary bonus miles. Other benefits include a fee credit for TSA PreCheck or Global Entry, airport lounge access, and more.

Why we like this card: The Capital One Venture X is our premium travel credit card pick for hotel stays. It’s a good alternative for travelers who aren’t loyal to a single hotel brand but do want to maximize frequent bookings.

First, it offers one of the highest rewards rates around for hotel stays, at 10x points when you book through Capital One Travel. As a Venture X cardholder, there are more benefits to booking through the issuer’s portal, too. You’ll get up to $100 in experience credits, daily breakfast, and more when you book The Premier Collection hotels — as well as up to $50 in experience credits, room upgrades, early check-in, and more when you book The Lifestyle Collection hotels.

The Capital One Venture X $300 annual travel credit also helps its premium price. Before you start earning those 10x miles on Capital One Travel spending, you’ll get reimbursed with credits for the first $300 you spend on travel through the site each year. Not only can that go a long way toward reducing the annual fee cost, but it’s also worth a lot of value toward your next hotel stay — whether you want to splurge on a night away or save on multiple nights at a lower price.

The Platinum Card® from American Express : Best for elite status

Annual fee: $695 ( see rates and fees )

Welcome offer: Earn 80,000 Membership Rewards points after spending $8,000 within the first 6 months

5x points on flights booked directly with airlines or through Amex Travel (up to $500,000 spent per year, then 1x)

5x points on prepaid hotels booked through Amex Travel

More details: The added benefits and credits are where the Platinum Card shines. To name a few, you’ll get up to $200 in annual statement credits toward incidental fees with your chosen airline, up to $200 annual Uber Cash ($15 per month and a bonus $20 in December), $189 in annual statement credits for CLEAR Plus membership, up to $240 in digital entertainment credits ($20 monthly; enrollment required) with eligible providers, airport lounge access, concierge services, and much more.

Why we like this card: While it offers a seemingly limitless suite of benefits, we’ll stick with specific Platinum Card perks for frequent travelers looking to maximize hotel stays.

For one, you’ll get up to $200 back each year in statement credits toward hotel purchases you make through Amex Travel . This credit applies to prepaid Amex Travel bookings you make with either Fine Hotels + Resorts or The Hotel Collection (minimum two night stay). Of course, you’ll also benefit from hotel stays you book through Amex Travel with the 5x points rewards.

The other big Platinum Card hotel perk is elite status with both Marriott Bonvoy and Hilton Honors. The complimentary Gold Elite status with Marriott Bonvoy will get you a 25% points boost on hotel purchases, room upgrades, late checkout, welcome gifts at check-in, and more. Similarly, complimentary Hilton Honors Gold status comes with an 80% bonus on the points you earn on hotel stays, daily food and beverage credits (or continental breakfast), room upgrades when available, bonus points after meeting certain milestone hotel stays, and more.

What are hotel rewards programs?

When you’re a member of a hotel rewards program, you can earn points on your stays and other purchases to use toward future bookings with the hotel chain. Joining a hotel’s loyalty program is a great way to save on hotel stays — often one of the most expensive parts of a vacation. Common hotel rewards programs include Marriott Bonvoy, Hilton Honors, World of Hyatt, Wyndham Rewards, IHG Rewards Club, and more.

Generally, the most common (and most valuable) way to redeem the points you earn from a hotel rewards program is for future hotel stays. Under most programs, you can either redeem your points toward a booking in full or pay with a combination of points and cash.

You might also have the option to redeem your hotel points for online purchases, experiences, gift cards, and more. Some even allow transfers to partner airlines. Before you choose an alternative redemption, make sure you compare the redemption value. Sometimes, these options may give you a lesser value for your points than if you wait and redeem them for your next hotel booking.

In addition to points you can use for future stays, hotel rewards programs also come with added benefits for members. That might include small perks like discounted rates and free wi-fi for basic members, but the value quickly grows as you move up in elite status. Top-tier hotel program members can earn everything from bonus earnings on hotel stays to suite-level room upgrades, welcome gifts, dedicated assistance, and more.

How much are hotel rewards worth?

Unlike some other rewards programs, it’s difficult to pin down a value for many hotel rewards programs. That’s because hotels often use dynamic pricing when it comes to points redemptions. The value of your redemption can change over time depending on the property, when you book, when you plan to travel, and more factors.

Credit card rewards programs for hotels

In addition to hotel credit cards from specific hotel brands, you can also use a general travel credit card for hotel rewards. The points and miles you earn with these travel cards are typically more flexible, but still offer great savings on hotel stays.

One thing to consider is the different ways to maximize rewards you earn on hotel stays. Instead of booking directly from the hotel — like you would with a co-branded hotel card — you may only earn maximum points when you book through your card issuer’s travel portal. When you book this way, you can often still input your hotel loyalty program number and earn points as a member of the hotel program in addition to your credit card rewards.

Many credit card rewards programs also have transfer partners, which include hotel loyalty programs. This can be a good option if you’re a member of a specific hotel program, but you’re not sure you want to commit to a hotel credit card. Here are the hotel transfer partners offered by three popular rewards programs today:

American Express Membership Rewards

Choice Privileges

Hilton Honors

Marriott Bonvoy

Capital One Travel

ALL Accor Live Limitless

Wyndham Rewards

Chase Ultimate Rewards

IHG Rewards Club

World of Hyatt

What to look for in a hotel credit card

These are some details to consider before you choose a new hotel card:

Welcome bonus

A hotel card’s welcome bonus can often get you multiple free nights, whether you choose a co-branded hotel card or general travel card.

Before applying, make sure you understand the requirements to score the bonus your card offers. You’ll typically need to spend a few thousand dollars at minimum within three to six months of account opening.

If this isn’t within your regular budget, strategize how you can meet the bonus without risking high-interest card balances . For example, you could plan your application around an upcoming trip you’ve already saved money for — the extra expenses can help you hit the spending threshold without risking a debt balance you can’t pay off.

Rewards categories

Look for the card with rewards categories that fit where you already spend most.

If you travel year-round and are always moving onto your next destination, you’ll probably want to prioritize travel rewards and top earnings on your hotel bookings. But if you only reliably travel a few times each year — a summer vacation , for example, followed by a holiday trip to visit family — you’ll likely get more value from a card with rewards on things like groceries , gas, and other essentials.

This is also a factor to consider if you’re adding a hotel credit card to cards you already have in your wallet. To make the most of every dollar you spend, look for categories you might be missing. Alternatively, you may choose a travel card with flat rewards on most purchases (or branded hotel card with a high non-category earning rate) to use as a catch-all for the spending categories you don’t maximize elsewhere.

Added benefits

Your card’s added benefits should add value over time — not just in the first year.

This is especially important for hotel cards that carry annual fees. Card benefits can be a great way to make up the cost of the annual fee , but they’re only valuable if they save you money on purchases you would have made anyway.

For hotel cards specifically, common benefits include annual Free Night Awards and elite status upgrades. If you stay with the hotel chain often, it can be easy to take advantage of the added benefits. Otherwise, you may want to look for other rewards cards that better fit your spending and travel.

Rewards program

As much as the credit card rewards and added benefits can make a big difference, the program under which you earn your rewards can, too.

For co-branded hotel credit cards, choose the loyalty program offered by the hotel brand you like and use most. If you’re already a member, look for ways your card can help you maximize your stays even further, with boosted points on bookings and faster paths to elite status.

If you’re considering a general travel card with great hotel rewards instead, you’ll still want to do your research into the card’s rewards program . Make sure you’ll get a good value when you use your rewards for hotel bookings, and compare other redemption options that may work for your travel plans . Don’t forget to also check out the program’s transfer partners — you may get more long-term value when you have the ability to transfer points and miles to your preferred airline and hotel brands.

Pros of hotel credit cards

Hotel savings: The best reason to open a hotel card is for the potential savings on hotel stays. Not only do these cards earn points that you can put toward future reward nights, but they also often come with annual Free Night Awards and other annual bonuses that can help you rack up savings on your stays over the long-term.

Status benefits: One of the easiest ways to increase your status level with a hotel loyalty program is with a credit card. Many of our favorite co-branded hotel cards come with complimentary status boosts and paths to earn the next level with card spending. If elite status is important to you and you travel frequently enough to gain value from the perks, these benefits are worth considering.

Welcome offers: Many hotel cards offer very high welcome bonus offers for new cardholders. With any of the hotel cards on our list above, you can get multiple free nights with the welcome bonuses alone. Consider planning ahead for when you apply for your hotel card to make the most of the welcome bonus offer for your next trip — and make sure the spending threshold is within your budget.

Cons of hotel credit cards

Rewards value: Because of hotel program dynamic pricing, the value of your points can vary greatly depending on when you book and your itinerary. If you have any flexibility, you can compare different stays before you book to get the best redemption value.

Limited rewards in other categories: While many of the cards on our list offer great rewards on travel and everyday expenses, that’s not always true for hotel cards. Many hotel credit cards can provide limited rewards in everyday categories. If you’re looking for a well-rounded card for earning hotel rewards, make sure you compare each of the bonus categories offered to your regular spending.

Maximize with frequent travel: Consider your travel habits before you open a hotel card. If you don’t travel often or you often choose to stay in AirBnBs and other rentals, a hotel card may not be worth it.

Our methodology

While we believe co-branded hotel credit cards can offer great savings for some hotel brand loyalists, they’re not for everyone. That’s why we focused on curating a list that includes both general travel cards with great hotel savings and hotel credit cards for specific chains.

We started with cards we’ve already rated highly among the dozens of card options we compared for our list of best travel credit cards . This helped us narrow down a short list of cards with solid rewards value and welcome bonus. We also looked for baseline details useful for travelers, like no foreign transaction fees and fraud protections.

For co-branded options, we included the best card options for the top three hotels by number of locations worldwide among those cards on our short list. Those hotels were Marriott and Wyndham, both with 9,000+ properties, and Hilton with 7,500+. We wanted to focus on hotels with the greatest number of properties to ensure the cards are useful for the greatest number of travelers.

We also focused on co-branded hotel credit cards with lower annual fees. For many people, we estimate that the hotel card may not be the only card in their wallet . And the more credit cards you have with high annual fees, the more you could be eating away at your potential annual value

If you have a favorite hotel brand not included above, you may get better value from another co-branded hotel card with, for example, IHG or Hyatt rewards. The most important thing to consider if you’re opening a co-branded card is your own relationship and spending with the brand. You should have a strong preference for the hotel and be sure that you can maximize the loyalty program rewards before you open a hotel credit card.

For the general travel credit card recommendations, we sorted out our top travel card picks by those that offer some added benefit specifically for hotel stays. Then, we created the superlatives included above to call out the features we believe set these cards apart for hotel spending.

While we believe these travel cards (and more on our best travel credit cards list) can offer great value even beyond hotel rewards, we specifically chose cards that provide maximum savings or benefits for hotel stays.

This article was edited by Rebecca McCracken

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Why I’ll Never Upgrade to the Capital One Venture X Card

Carissa Rawson

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Stella Shon

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The Benefits Aren’t Worth the Fees

I already have the capital one venture card, i’ll lose the capital one venture x card’s welcome offer, my bonused spending goes elsewhere, my other cards cover travel insurance, final thoughts.

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If you’ve ever read any of my writing, you probably already know that I’m a credit card fiend. The more expensive the annual fee, the better. Load me up because I’m here for that coupon book of credits.

All jokes aside, I really do have more credit cards than is probably healthy. So, it might be a little surprising to you to learn that I don’t have one of the most popular premium cards: the Capital One Venture X Rewards Credit Card.

More than that, I’ll probably never end up having one — here’s why.

There’s no denying that the Capital One Venture X card is great , especially when you compare it to other luxury travel credit cards. But the issue with charging a lower $395 annual fee ( rates & fees ) than competitors is that, well, it also features fewer benefits .

To help offset that ongoing cost, the Capital One Venture X card also offers a $300 annual travel credit . However, unlike the travel credit offered by the competing Chase Sapphire Reserve ® , this credit can only be applied to purchases within the Capital One travel portal .

Unfortunately, booking with a third-party portal opens you up to a whole host of issues , including the inability to earn points with hotel stays and bad customer service if your flights change . This means that although I could take advantage of the $300 travel credit, it’s always going to be a worse option than booking directly with a travel provider .

The Capital One Venture X card also offers a 10,000-mile anniversary bonus for every year you hold the card. Since we value Capital One Miles at 1.8 cents each, this could potentially be worth $180 in value alone. That’s a huge reason why this card is excellent for so many people.

But combined with the limited $300 travel credit, it just doesn’t make sense to me.

Instead, I’d rather save the money and opt for the less expensive Capital One Venture Rewards Credit Card … which leads me to my next point.

The Capital One Venture card is one of my favorite credit cards and maintains a permanent spot in my wallet. This is because it earns 2x Capital One Miles for every $1 spent , no matter where I’m shopping. I make a lot of purchases at Amazon and Walmart, so this card makes sense for me.

The Capital One Venture X card also earns 2x miles per $1 spent on purchases, but the Capital One Venture card is cheaper . I pay just a $95 annual fee ( rates & fees ) for this benefit.

Of course, I may need to reassess my strategy as the Capital One Venture card has shifted payment networks from a Visa to a Mastercard . How else am I going to pay for my Costco hauls?

I’ve gotten a few targeted offers from Capital One about upgrading my Capital One Venture card to a Capital One Venture X card . But one of the biggest reasons I won’t bite is because it’ll lose me the welcome bonus offer on the latter: Earn 75,000 miles when you spend $4,000 on purchases in the first 3 months.

If I were to upgrade, rather than apply for the Capital One Venture X card outright, I’d lose that offer.

Capital One also tends to be a bit more nit-picky than other card issuers when it comes to recent inquiries and how many cards you’ve opened in recent months. This means they probably wouldn’t like it if I were to complete a new application .

Remember how I mentioned that I have a couple dozen credit cards? That means that no matter what I’m buying, I’m making sure that I’m using a credit card to maximize my earnings.

• Supermarkets? It’s time to throw down the American Express ® Gold Card .
• Flights? The Platinum Card ® from American Express is making an appearance.
• Dining? Let me dig out my trusty Citi Prestige ® Card . 

This leaves very little room for me to use the Capital One Venture X card. Sure, it can earn huge bonuses on travel booked with the portal, but so can my Chase Sapphire Reserve card. As I noted above, that’s something I avoid if at all possible.

Beyond this, my Capital One Venture card earns me the same miles on everyday purchases for far less .

The Capital One Venture X card also excels when it comes to travel insurance , since it offers some of the most comprehensive benefits available to cardholders. Again, that’s great for people without other credit cards on which to rely.

However, I already have the Chase Sapphire Reserve card, which not only beats out the Capital One Venture X card’s insurance it arguably offers the best complimentary travel insurance benefits . I don’t need to use another card when the Chase Sapphire Reserve card provides:

• Primary rental car insurance
• Baggage insurance (lost, damaged, and delayed)
• Trip cancellation insurance
• Trip interruption insurance
• Trip delay insurance
• Emergency medical insurance

The Chase Sapphire Reserve card includes all of the above while also allowing me to earn 3x Ultimate Rewards points per $1 on my travel purchases . Compare this to the 2x miles from Capital One, and you can see why I’d opt for the former.

Check out our ultimate guide on the best credit cards for travel insurance coverage .

I think I’ve made a pretty fair case for why the Capital One Venture X card doesn’t work for me. Yes, it’s a premium card with solid offerings (and I didn’t even touch on airport lounge access ), but there’s simply no hole in my wallet that the card can fill.

That being said, for those looking for a one-stop option at a lower price point than other premium travel cards, the Capital One Venture X card can make a lot of sense. For me, however, I’m sticking with the Capital One Venture card.

For Capital One products listed on this page, some of the above benefits are provided by Visa ® or Mastercard ® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

The information regarding the Capital One Venture Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Capital One Venture X Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information for the Citi Prestige ® Card has been collected independently by Upgraded Points and not provided nor reviewed by the issuer.

For rates and fees of the American Express ® Gold Card, click  here . For rates and fees of The Platinum Card ® from American Express, click here .

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About Carissa Rawson

Carissa served in the U.S. Air Force where she developed her love for travel and new cultures. She started her own blog and eventually joined The Points Guy. Since then, she’s contributed to Business Insider, Forbes, and more.

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All about booking with Capital One Travel

Planning the perfect getaway? Save yourself from seemingly endless online searches and choose a better way:  Capital One Travel . Capital One Travel is an online booking platform that covers every step of your trip and is designed to help you plan, book and travel with confidence. 

This guide breaks down exactly how it works and what it offers.

Key takeaways

• Capital One Travel is an online booking experience where eligible cardholders can book flights, hotels and rental cars.
• Depending on your card, you can earn as much as 10X miles on hotels and rental cars and 5X miles on flights booked through Capital One Travel.
• Booking through Capital One Travel gives you access to smarter tools like price prediction, price drop protection and more.
• Venture X cardholders receive a $300 annual credit for bookings through Capital One Travel.
• Eligible cardholders also receive an experience credit and premium benefits on every hotel booking from the Premier or Lifestyle collection.

Go further with Capital One Travel

Earn extra rewards and find our best prices for flights, hotels and car rentals.

What is Capital One Travel? 

Capital One Travel is an online booking experience for Capital One rewards credit cardholders in partnership with Hopper. It launched in 2021 to make trip planning and travel enjoyable and hassle free for eligible Capital One cardholders.

Capital One Travel sorts through thousands of options to help you get Capital One’s best prices for flights, hotels and car rentals and confidently book your travel online. 1 As a bonus, eligible cardholders can earn extra rewards when booking through Capital One Travel.

Capital One Travel features and benefits

Cardholders can sign in to Capital One Travel to compare prices and book flights, hotels and rental cars. But that’s just the start. 

You’ll have access to unique tools and offers before and after you book, giving you a rewarding, flexible travel experience. Here’s a closer look at some of the benefits of Capital One Travel:

Cancel your flight for any reason

Need to make your travel booking more flexible? For a small fee when booking, you can add the option to cancel your flight for any reason.

This option gives you the ability to cancel your flight up to a set time within your scheduled departure. Capital One Travel will issue a refund—typically 70%-90% of the ticket price—to your original payment method. 

Sometimes, you’ll also have the option to choose an airline credit worth 100% of your original ticket cost instead of the refund. Airline credit availability depends on the airline’s policies. If you choose this option, Capital One Travel will still cover any related cancellation or rebooking fees. 2

Freeze the price of a flight

Want a little extra time to decide on a flight but don’t want to stress about the price going up? For some flights offered through Capital One Travel, you can “freeze” the price for a specific period of time by paying a small fee. 

When you freeze the price of the flight, Capital One Travel will hold that price for you until the expiration date of your frozen price. That expiration date will be given to you before completing your purchase.

If the price of the flight increases after you freeze it (and before your frozen price expires), Capital One Travel will cover any fare increase up to your maximum refund limit. And if the price goes down, you’ll pay the current lower price. 3

Earn bonus rewards

When you book that fabulous hotel room for the weekend or reserve a car rental for a scenic drive, you’re earning extra rewards you can put toward your next trip. 

Venture X and Venture X Business cardholders get 10X miles on hotels and rental cars and 5X miles on flights booked through Capital One Travel. 

And when booking through Capital One Travel with other eligible U.S.-issued Capital One cards, earn 5X miles or 5% cash back on hotels and car rentals, depending on the card:

• Travel credit cards : Venture, VentureOne
• Cash back credit cards : Quicksilver, QuicksilverOne, Quicksilver for Good Credit, Quicksilver Student, Quicksilver Secured and Capital One Walmart Rewards® Card
• Dining and entertainment credit cards : Savor, SavorOne, SavorOne Student, SavorOne for Good Credit 
• Business credit cards : Spark Miles, Spark Miles Select, Spark Cash Select, Spark Classic, Spark Cash Plus

Get price prediction and price watch alerts for flights

Looking for the best time to book flights? When you search for flights on Capital One Travel, you’ll see a recommendation to either book now or wait for a better price. Capital One Travel uses artificial intelligence (AI) to analyze billions of data points and predict how flight prices will fluctuate. 

To get started, you can set a price alert for the destination and dates you’re interested in flying. Capital One Travel will monitor prices 24/7 and let you know when it’s time to book. With help from our price predictions and alerts, you can save an average of 15% on flights. 4

Get free price drop protection for flights

Did you book a flight to visit loved ones based on Capital One Travel recommendations? If you booked at a recommended time, Capital One Travel will keep watching the price for 10 days. If it drops, you get up to $50 in travel credit for the difference. 5

Get Capital One Travel's best prices, guaranteed

If you find a better price on the same flight, hotel or car rental, Capital One Travel will match it. Simply submit a request within 24 hours of booking with us, and Capital One Travel will give you a travel credit for the difference. For hotels, we also proactively adjust our prices to guarantee they match or beat other travel sites. 6

Redeem rewards for travel

Have you been saving up your rewards? Apply them to any trip booked through Capital One Travel. Or use a combination of rewards and your card when booking. The choice is yours.

Stay in style

Elevate your stay with rooftop drinks, meals at signature restaurants, room service and other unique amenities when you book with the Premier Collection or Lifestyle Collection . The collections also include a $50 or $100 experience credit (depending on the collection) and other premium benefits like room upgrades, early check-in and late checkout when available—all to make it even easier to upgrade your next getaway. 7

Capital One Travel FAQ

Check out these frequently asked questions about Capital One Travel.

How can I access Capital One Travel?

If you have access through your card, you’ll see the option to start booking trips when you sign in and view your rewards . Through the site, you can pay for flights, hotels and car rentals with your Capital One card, your rewards or both. Don’t have an eligible Capital One card? You can compare options and benefits to get started.  

Do I need a Capital One travel rewards credit card to use Capital One Travel?

If you have any eligible Capital One credit card, you can use Capital One Travel to plan your next getaway. Travel rewards credit cards earn miles on hotels and car rentals when booking through Capital One Travel, and other eligible cards earn cash back. 

You can see if you’re pre-approved for an eligible card today—with no harm to your credit.

Can I transfer miles instead of booking through Capital One Travel?

You may be able to transfer your Capital One miles to one of Capital One’s loyalty programs .

Does Capital One offer travel insurance?

Some Capital One rewards credit cards may offer travel insurance . And some coverage may be available through your card’s network . You can check your card’s benefits and terms to determine if you qualify for travel coverage, lost luggage reimbursement or travel accident insurance.

Capital One Travel in a nutshell

Capital One Travel provides advanced booking tools, price guarantees and the ability to earn and redeem your rewards—all to help you travel smarter. All you need is a Capital One travel rewards credit card or any eligible Capital One card to use it. So if you’re jetting off to a new place soon, start planning your trip today with Capital One Travel .

Other ways to maximize your travel benefits

Who wouldn’t want to get the most out of their credit card? Here are some things to know about Capital One travel rewards credit cards: 

Get a one-time 75,000-mile bonus with the Capital One Venture X card and receive an additional 10,000 bonus miles every year, starting on your first anniversary. ( View important rates and disclosures .)

Earn unlimited 2X miles per dollar on every purchase, every day and get 75,000 bonus miles upon signup with the Capital One Venture card . ( View important rates and disclosures .)

Earn unlimited 1.25X miles with no annual fee with the Venture One card from Capital One . ( View important rates and disclosures .) 

Explore travel rewards card options by comparing Capital One Venture cards . 

Learn how Venture X cardholders can get access to a worldwide network of airport lounges thanks to a complimentary Priority Pass membership .

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All about Venture X

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Capital One devalues price drop and match guarantees through its travel portal

We don't always recommend booking trips through a travel portal , but doing so can come with some benefits.

And one of the perks to going this route is the price drop and price match guarantee you can take advantage of when booking through Capital One's travel portal .

However, the issuer is tightening their benefit terms, as reported by Thrifty Traveler . Here's what you need to know about the changes.

How the benefits have changed

Previously, the travel refunds for price drop and price match guarantees would be given as an automatic refund to your original payment method, usually your credit card.

Now, however, you'll receive the price drop refund as a Capital One travel credit (up to $50). Similarly, a price match difference will now be issued as a Capital One travel credit rather than refunded to your original payment method.

But it's not all bad news. While a travel credit is less desirable than a refund, a Capital One travel credit is far more versatile than a credit with a specific airline or hotel group. Plus, the price drop and price match guarantees still offer advantages to booking through a means without any guarantees.

Related: How to decide between booking directly and using a portal

Booking through the Capital One portal

If you have an eligible Capital One credit card, you can access the Capital One travel portal to book flights, hotels, rental cars and more.

And this isn't just for those with the Capital One Venture Rewards Credit Card or Capital One Venture X Rewards Credit Card cards. In 2022, Capital One expanded their list of cards with travel portal access as a benefit. Chances are, if you have a Capital One card in your wallet, you can use the Capital One travel portal.

Related: How to use the Capital One travel portal

Capital One price drop guarantee

When searching for a flight in the Capital One travel portal, you may notice a recommendation to purchase the flight immediately.

When this happens, the platform predicts that airfare prices will increase in the future and suggests that you lock in the lower price now. In fact, Capital One (in partnership with travel technology company Hopper) is so confident in its algorithm that it will automatically apply price drop protection to that particular purchase.

With price drop protection, Capital One will monitor the price of a flight for ten calendar days after you buy it. The terms of the protection can change based on your exact itinerary and dates, but if the price drops in that time, you'll get a travel credit for the difference in price (up to $50.)

Related: Save by catching hotel and airline price drops

Capital One price match guarantee

If you book a flight, hotel or rental car through the portal and find a cheaper price within 24 hours of booking, you can file a claim with Capital One and receive 100% of the price difference as a travel credit if your claim is eligible.

Bottom line

Capital One's price drop and price match guarantees now offer travel credits instead of refunds to the original booking payment method. This is disappointing for those who enjoyed the automatic refund peace of mind, but you can still shop through the Capital One travel portal and benefit from its price guarantees.

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.