Venture X

Capital One · VISA INFINITE · annual fee $395

The Wallet Audit values statement credits at what a typical person actually captures rather than at their advertised ceiling, and gives each rewards currency a single honest cents-per-point figure.

Earn rates

• 10× Hotels & rental cars, via Capital One Travel
• 5× Flights & vacation rentals, via Capital One Travel
• 2× Everything else, no categories

Statement credits, at their advertised value

• Annual Travel Credit, up to $300 a year
• Anniversary Miles, up to $100 a year
• Premier Collection, up to $100 a year

Advertised total $500 a year. This page shows a realistic estimate for each of these instead, which is usually lower, plus sliders to set your own figures.

No foreign transaction fee.

Purchase APR: 19.49%, 24.49%, or 28.49%, based on creditworthiness

The verdict, the realistic credit values, the points valuation and the earn-rate breakdown are on the card's page. Open https://thewalletaudit.com/cards/capital-one-venture-x.