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When it comes to premium credit cards, most come along with a significantly high annual fee—think upwards of $400 and close to $700, in some cases. But the Capital One Venture X Rewards Credit Card is the only card on this list that comes with premium benefits and an annual fee that’s less than $400 (rates & fees).
Rewards: Earn 2 miles per dollar on all eligible purchases, 5 miles per dollar on flights and vacation rentals booked through Capital One Travel, 5 miles per dollar on Capital One Entertainment purchases through 12/31/25 and 10 miles per dollar on hotels and rental cars when booking via Capital One Travel.
Welcome offer: Earn 75,000 bonus miles after spending $4,000 on purchases within the first three months of account opening.
Annual fee: $395
Other benefits and drawbacks: One of the most affordable premium cards on the market, the Venture X comes with many benefits, such as a yearly 10,000-mile anniversary bonus starting on your first anniversary, a $300 annual travel credit for bookings in the Capital One Travel portal and a credit for Global Entry or TSA PreCheck. Cardholders also get Priority Pass lounge access and can enter Capital One’s new lounges, currently located in Dallas-Fort Worth (DFW), Denver (DEN) and Washington, D.C. (IAD).
Even better? You can add authorized users to your account for free, and they’ll also get some of the card’s benefits, such as Priority Pass lounge membership and the ability to access Capital One Lounges.
However, when it comes to travel credits, this card’s $300 annual credit doesn’t quite match up to the versatility of the Reserve’s, as you can only get it when booking travel within Capital One’s own travel portal. And, while the brand does have several transfer partners, many of the most accessible ones for U.S. travelers aren’t on there—think Delta, United, Hyatt or Marriott. You will find several international airlines on the list, though.