کیا دارالحکومت ون وینچر ایکس کی مالیت $ 395 سالانہ فیس ہے؟

کیا دارالحکومت ون وینچر ایکس کی مالیت $ 395 سالانہ فیس ہے؟

ADVERTISEMENTGuidesIs the Capital One Venture X worth the $395 annual fee?Ryan SmithRyan SmithContributorRyan is a former TPG credit cards writer who has been around points and miles for several years and has published content at Miles to Memories, AwardWallet and The Points Guy. His wife joins him on many of his trips, and they enjoy snowboarding, diving, and seeing animals in the wild. When not traveling, Ryan is probably answering questions from his family about how he travels so much and whether this points & miles stuff is illegal.Olivia MittakOlivia MittakCredit Cards EditorOlivia Mittak is a credit cards editor at TPG. She specializes in maximizing earn for points and miles, finding the best welcome bonuses and choosing the right credit cards for your wallet.also contributed to this storySept. 27, 2024•9 min readThe cards we feature here are from partners who compensate us when you are approved through our site, and this may impact how or where these products appear. We don’t cover all available credit cards, but our analysis, reviews, and opinions are entirely from our editorial team. Terms apply to the offers listed on this page. Please view ouradvertising policy andproduct review methodology for more information.Editor's NoteThis is a recurring post, regularly updated with new information and offers.Since its launch in 2021, the Capital One Venture X Rewards Credit Card has disrupted the travel credit card industry and challenged titans like Chase and American Express. With its $395 annual fee, the card is priced lower than lots of its competitors in the premium credit card market.Three years later, does the Venture X still offer enough high-quality benefits to keep it open for another year? Let's look at what you get as a Venture X cardholder and whether that's enough to keep its place in your wallet.Welcome offerNew applicants for the Venture X can earn 100,000 bonus miles after spending $10,000 on the card within the first six months from account opening.According to TPG's September 2024 valuations, these miles are worth 1.85 cents apiece, making this bonus worth $1,850.THE POINTS GUYThe value of these miles has increased in recent years, thanks to Capital One adding more transfer partners and improving the transfer ratio on multiple partners. There are several ways to redeem your miles for high value.It's worth noting that Capital One can be picky when approving credit card applications; the bank is known for being very sensitive about the information on your credit report, including your number of recent hard inquiries, new accounts and overall accounts with other issuers.Related: Our complete guide to credit card application restrictionsAnnual travel creditVenture X cardholders receive $300 in annual credits on bookings made through Capital One Travel.The way the $300 annual credit perk works on this card is simple. Every account year, you receive $300 in credits toward purchases made through Capital One Travel, including hotel bookings, car rentals and airfare. These credits are applied at checkout rather than as statement credits for previous purchases.Daily NewsletterReward your inbox with the TPG Daily newsletterJoin over 700,000 readers for breaking news, in-depth guides and exclusive deals from TPG’s expertsHowever, the credit is not applicable to travel purchases made through any other channel. While that makes it more restrictive than the annual $300 travel credit available with the Chase Sapphire Reserve® (see rates and fees), it is still relatively easy to use, and it substantially offsets the card's $395 fee — as long as you actually take advantage of it.CAPITAL ONEThere are some downsides to using a third-party booking service; notably, elite perks are usually not recognized for hotels and rental cars.However, Capital One has made significant strides in improving the travel booking experience, including investing in Hopper, a booking platform, and adding customer-friendly features like price-drop prediction and a best-price guarantee.Related: How the Capital One Venture X travel credit can save you $300 on your next tripAnniversary bonus milesVenture X cardholders also get access to a second annual benefit: 10,000 bonus miles on your account anniversary. This means you receive these miles one year after opening your account and each subsequent year on that date, not at the start of a new calendar year each January.According to TPG's September 2024 valuations, 10,000 Capital One miles are worth $185 when using Capital One's airline and hotel transfer partners. If you redeem the anniversary miles through Capital One Travel, you'll get a more modest $100 in value.Combined with the $300 Capital One Travel credit, cardholders are looking at a minimum of $400 in value from their card each year.Related: Who should (and shouldn't) get the Capital One Venture X?Lounge accessVenture X cardholders have access to two types of lounges: Priority Pass and Capital One's own lounges for themselves and up to two guests.KYLE OLSEN/THE POINTS GUYMost notably, having the Venture X is the easiest way to get unlimited access to Capital One's lounges. Currently, there are three locations: Dallas Fort Worth International Airport, Dulles International Airport and Denver International Airport.Plans for future locations in Las Vegas-Harry Reid International Airport (LAS) and John F. Kennedy International Airport (JFK) have been announced, but we don't know the opening dates yet.Cardholders also get unlimited access to more than 1,300 Priority Pass lounges.A day pass to a Capital One lounge ordinarily costs $65, so this perk's value quickly adds up and can help justify the card's annual fee, especially for frequent jetsetters.Related: Best credit cards for lounge accessCar rental perksThe Venture X has two key benefits related to rental cars: earning 10 miles per dollar spent on all car rentals booked through the Capital One Travel portal (instead of 2 miles per dollar spent when booked elsewhere) and top-tier Hertz President's Circle status*.SCOTT MAYEROWITZ/THE POINTS GUYYou'll need to register for this perk with Hertz first. President's Circle status offers perks like guaranteed upgrades, the widest choice of cars when starting your rental and a free additional driver (which typically costs $13.50 per day, up to a maximum of $189 during your rental).*Upon enrollment, accessible through the Capital One website or mobile app, eligible cardholders will remain at that status level through the duration of the offer. Please note, enrolling through the normal Hertz Gold Plus Rewards enrollment process (e.g. at Hertz.com) will not automatically detect a cardholder as being eligible for the program and cardholders will not be automatically upgraded to the applicable status tier. Additional terms applyRelated: Stacking rental car perks with Hertz and the Venture XAccess to luxury hotel programsVenture X cardholders can access the Capital One Premier Collection and Lifestyle Collection boutique and luxury hotel programs. Cardholders can pay cash or redeem their miles at a rate of 1 cent each to book exclusive properties and receive perks along the way.Benefits at Premier Collection properties include room upgrades when available, free Wi-Fi during your stay, free breakfast each day for two people and a $100 on-property credit for things like spa visits or dinner at the hotel's restaurant.Lifestyle Collection properties are mostly boutique properties with benefits such as a $50 experience credit to use toward rooftop drinks, signature hotel restaurants, room service or other activities, complimentary Wi-Fi, room upgrades (when available) and early check-in and late checkout, when available.And since these bookings are made through Capital One Travel, cardholders will earn 10 miles per dollar spent when paying for their stay with the Venture X card.Related: A comparison of luxury hotel programs from credit card issuersExcellent authorized user perksWhile many credit cards reserve their best perks only for the primary account holder, the Venture X does not.Cardholders can have multiple free authorized users on their accounts. These users can receive the following perks in their own right, all without paying a fee:Access to Capital One lounges by simply showing their Venture X card — including the ability to bring two guests of their ownPriority Pass Select membership once they enroll online — including the ability to bring guests traveling with themPurchase and travel protections, such as trip cancellation/interruption insurance, trip delay reimbursement and cellphone protectionLEOPATRIZI/GETTY IMAGESWhen analyzing these benefits for authorized users, compare them to the perks offered to authorized users on other premium travel cards and the associated fees.For comparison, The Platinum Card® from American Express charges $195 for each additional Amex Platinum card (see rates and fees), and the Chase Sapphire Reserve charges $195 per authorized user. This makes the Venture X a much more affordable option for couples or families, so I definitely recommend it over its competition if authorized users are a necessity for you.Related: Why you should add authorized users on the Capital One Venture XOther perksVenture X cardholders can receive reimbursement for their application fee to TSA PreCheck or Global Entry. This benefit is available once every four years and is worth up to $120 in statement credits.10,000 HOURS/GETTY IMAGESCardholders also have access to several travel and shopping protections when paying with their card:Trip cancellation and interruption insuranceTrip delay reimbursement: Up to $500 per person for reasonable expenses like hotel rooms, food, toiletries or clothes when your flight is delayed overnight or by six hours or moreLost luggage reimbursementCellphone protectionPrimary rental car insuranceExtended warranty and return protectionRelated: 6 things to do when you get the Capital One Venture XBottom lineThe $300 annual credit and 10,000 anniversary bonus miles provide excellent value each year and more than justify the card's $395 annual fee. And this doesn't take into account the intangibles, like the value your authorized users might achieve, the free food you consume at lounges or the money you save via purchase protections.Of course, those benefits only provide value if you're using them. If you know you won't be able to maximize the benefits of the Venture X, consider choosing a different card.To learn more, check out our full review of the Capital One Venture X.Learn more: Capital One Venture XRelated: How Venture X saved me over $6,000 on a summer trip to FranceFor 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.For rates and fees of the Amex Platinum, click here.Featured image by MLADENBALINOVAC/GETTY IMAGESEditorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.TPG featured cardBest for businesses with high spendingCapital One Venture X BusinessApply for Capital One Venture X BusinessTerms & restrictions apply. See rates & feesTPG Editor‘s RatingOpen Editors ratingCard Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.4.5 / 5Go to reviewApply nowApply for Capital One Venture X Businessat Capital One's secure siteRewards2 - 10X milesdetails2X miles2 miles per dollar on every purchase5X miles5 miles per dollar on flights and vacation rentals booked through Capital One Business Travel10X miles10 miles per dollar on hotels and rental cars booked through Capital One Business TravelIntro offerLIMITED-TIME OFFER: Earn up to 400K bonus milesdetailsEarn 200K miles when you spend $30K in the first 3 months, and an additional 200K miles when you spend $150K in the first 6 monthsAnnual Fee$395Recommended Credit740-850Excellentmore infoCredit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.Why We Chose ItThe Capital One Venture X Business Card has all the Capital One Venture X Rewards Credit Card has to offer and more. It offers an incredible welcome bonus and requires an equally impressive spend to qualify. In addition, the card comes with premium travel perks like annual travel credit.Pros & ConsProsThe Capital One Venture X business card has a very lucrative welcome offer.In addition, the card comes with many premium travel perks such as an annual $300 credit for bookings through Capital One Business Travel.Business owners are also able to add employee cards for free.ConsThe card requires significant spending to earn the welcome offer.Another drawback is that the annual travel credit can only be used on bookings made through Capital One Business Travel. More DetailsLIMITED-TIME OFFER: Earn up to 400K bonus miles: 200K miles when you spend $30K in the first 3 months, and an additional 200k miles when you spend $150k in the first 6 monthsEarn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictionsEarn 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Business TravelWith no preset spending limit, enjoy big purchasing power that adapts so you can spend more and earn more rewardsEmpower your teams to make business purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with easeRedeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programsEvery year, you'll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings made through Capital One Business TravelReceive up to a $120 credit for Global Entry or TSA PreCheck®. Enjoy access to 1,300+ airport lounges worldwide, including Capital One Lounge locations and Priority Pass™ lounges, after enrollmentEnjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier CollectionThis is a pay-in-full card, so your balance is due in full every monthApply nowApply for Capital One Venture X Businessat Capital One's secure siteTerms & restrictions apply. See rates & feesBest for businesses with high spendingCapital One Venture X BusinessTPG Editor‘s RatingOpen Editors ratingCard Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.4.5 / 5Go to reviewRewards Rate2X miles2 miles per dollar on every purchase5X miles5 miles per dollar on flights and vacation rentals booked through Capital One Business Travel10X miles10 miles per dollar on hotels and rental cars booked through Capital One Business TravelIntro OfferOpen Intro bonusEarn 200K miles when you spend $30K in the first 3 months, and an additional 200K miles when you spend $150K in the first 6 monthsLIMITED-TIME OFFER: Earn up to 400K bonus milesAnnual Fee$395Recommended CreditOpen Credit score descriptionCredit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.740-850ExcellentWhy We Chose ItThe Capital One Venture X Business Card has all the Capital One Venture X Rewards Credit Card has to offer and more. It offers an incredible welcome bonus and requires an equally impressive spend to qualify. In addition, the card comes with premium travel perks like annual travel credit.View MorePros + consMore DetailsProsThe Capital One Venture X business card has a very lucrative welcome offer.In addition, the card comes with many premium travel perks such as an annual $300 credit for bookings through Capital One Business Travel.Business owners are also able to add employee cards for free.ConsThe card requires significant spending to earn the welcome offer.Another drawback is that the annual travel credit can only be used on bookings made through Capital One Business Travel. LIMITED-TIME OFFER: Earn up to 400K bonus miles: 200K miles when you spend $30K in the first 3 months, and an additional 200k miles when you spend $150k in the first 6 monthsEarn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictionsEarn 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Business TravelWith no preset spending limit, enjoy big purchasing power that adapts so you can spend more and earn more rewardsEmpower your teams to make business purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with easeRedeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programsEvery year, you'll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings made through Capital One Business TravelReceive up to a $120 credit for Global Entry or TSA PreCheck®. Enjoy access to 1,300+ airport lounges worldwide, including Capital One Lounge locations and Priority Pass™ lounges, after enrollmentEnjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier CollectionThis is a pay-in-full card, so your balance is due in full every monthgtm--featured-card-10186

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