Capital One · Visa · personal · Capital One Miles
Web-verified 2026-09-08.
Review the linked sources below for offer details and eligibility.
Review the linked sources below for offer details and eligibility.
$395
annual fee
0%
foreign txn fee
$330
credits/yr realistic ($330 face)
$1,388
sign-up bonus ≈ 75000 miles after $4,000/3mo
Earning
| Capital One Travel portal (Issuer travel portal)
Hotels and rental cars booked through Capital One Travel (5x flights and vacation rentals)
|
10x | 18.5% |
| Everything else | 2x | 3.7% |
Right column: value per $ at travel valuation (1.85¢/pt). 0.5¢ cash; 1¢ against travel purchases; ~1.85¢ via transfer partners.
Credits
- $300 Capital One Travel credit /anniversary · easy to use$300 annual credit for bookings through Capital One Travel
- $120 Global Entry / TSA PreCheck /every 4 years · easy to use · enrollment requiredFee reimbursement
Benefits
- No foreign transaction fees
- Capital One Lounges, Landing locations and Priority Pass Select (1,300+ lounges) for the primary cardholder — Complimentary access for authorized users and guests was removed in 2025-2026 (Bankrate, Feb 2026).
- 10,000 bonus miles every anniversary
- Transfers to 15+ airline and hotel partners
- Hertz President's Circle status
- Cell phone protection — Up to $800 per claim, 2 claims/yr, $50 deductible
Protections
| purchase protection | Up to $10,000 per claim / $50,000 per year |
| extended warranty | +1 year |
| return protection | Up to $300 per item |
| trip cancellation | Up to $2,000 per person |
| trip delay | Up to $500 after 6 hours |
| lost luggage | Up to $3,000 |
| rental car | primary |
| cell phone | Up to $800 per claim, 2 claims/yr, $50 deductible |
| travel accident | Up to $1,000,000 |
Notes
WEB-VERIFIED 2026-09-08 against Bankrate's Feb 3, 2026 review: $395 fee, 10x/5x Capital One Travel, 2x else, $300 travel credit, 10k anniversary miles, $120 GE/TSA, lounge access now primary cardholder only. Protections still from model knowledge. Capital One trimmed some Venture X perks in 2025-2026 (authorized-user lounge access, some insurance); verify current terms.