Capital One Venture X: 75,000 miles after $4,000 spend in 3 months, $395 annual fee

· PerkSensei Desk

Last successful source check
Oct 14, 2026
Last verified
Oct 14, 2026, by our research team

Our deal scouts work to keep this offer current. Terms and eligibility can change. Confirm the details with the provider before applying.

Capital One

In plain terms

Open the Capital One Venture X, spend $4,000 on eligible purchases within 3 months of opening the account, and you earn 75,000 miles. The annual fee is $395 and is charged in year one.

Key terms

Reward
75,000 miles
Spend
$4,000
Window
3 months from account opening
Annual fee
$395
Apply by
No public end date stated
Type
Personal, public offer
Bonus usually posts
undefined–2 billing_cycles after you finish the spend

Before you apply

  • No Venture X new-cardmember bonus if one was received within the past 48 months; other approval and offer terms apply.
  • Refunded or excluded transactions do not satisfy net qualifying spend. Keep the account eligible until fulfillment.
  • Applies to the linked offer channel; do not combine its bonus or spend requirement with another channel.
  • When the spending window starts: Account opening, not receipt of the physical card.

YMMV: approval and bonus eligibility are the issuer's decision.

What it's worth to you

Credits start at their full stated value. That's an assumption, not what you'll actually get. Mark anything you wouldn't fully use, and the totals update.

We start at 1¢, an example assumption from our research, not a cash price.

Welcome offer

Welcome bonus

75,000 miles (Capital One miles) at your point value

$750

Benefits and credits

Capital One Travel credit

Up to $300 each account year

  • Use in Capital One Travel; expires at next anniversary; no cash value and no rewards on credited amount.

Year one $300 · After year one $300 a year

Anniversary miles

10,000 miles each account anniversary · Full value $100 at your point value

  • Starts after first anniversary; exclude from pre-renewal year one.
  • Starts after your first account anniversary, so it isn't counted in year one.

After year one $100 a year

Capital One and Priority Pass lounges

No fixed dollar value. Enter what it's worth to you each year, if anything.

  • Personal Venture X rules. Paid additional-card access is separate from a free additional card. $75k spend guest privilege excludes Priority Pass; eligibility, space and boarding-pass conditions apply.

Not counted

Extra fees, or anything you'd buy only to use a credit.

Reset to full-value assumptions
Your estimate
Year oneAfter year one, per year
Welcome bonus$750$0
Rewards on the $4,000 required spend$80$0
Minus what a 2% card would earn on it−$80$0
Benefits you counted$300$300
Anniversary rewards$0$100
Annual fee−$395−$395
Other costs$0$0
Estimated total$655$5

Sensei's Take

At your values, year one comes out about $655 ahead, mostly from the welcome bonus.

After year one it's close to break-even ($5 a year). Look again before each renewal fee posts.

One item is marked Not sure and left out.

Not counted yet

Marked Not sure. Decide on these to include them.

  • Capital One and Priority Pass lounges
How we estimate this
  • Credits start at their full stated value. That's a starting assumption, not what you'll actually get. Change anything you won't fully use.
  • Items marked Not sure stay out of the totals until you decide.
  • Year one counts each yearly credit once. It doesn't assume you can use a calendar-year credit twice in your first account year.
  • Ongoing totals leave out everyday spending rewards, which depend on how much you spend.
  • Statement balances paid in full; no financing cost modeled.
  • Qualifying spend is normal eligible spending, net of returns.
  • A 2% alternative card is the baseline.
  • Point values are explicit examples, not cash guarantees.
  • An unvalued welcome certificate leaves full first-year total null; show the quantified subtotal separately.

Illustration only, not a promise of value. Terms can change; check the issuer's current terms.

Offer historyInsufficient history

We have one reviewed observation of this offer so far (Oct 14, 2026). History charts appear once we have enough comparable, reviewed offers, and gaps will show as gaps.

Sources