BillSaver
Credit cards

BillSaver card review

Capital One Venture X Rewards Credit Card

Premium travel value. Compare the cost, rewards, promotional APR, and credit profile before you apply.

Terms last checked August 5, 2026Issuer: Capital OneNetwork: Visa Infinite
Capital One Venture X Rewards Credit Card card art
BillSaver fitPremium travel value

Excellent credit is listed by the issuer as a general guide, not a promise of approval.

Annual fee
$395
Rewards
10X on hotels and rental cars through Capital One Travel, 5X on flights and vacation rentals through Capital One Travel, 2X on other purchases.
Welcome offer
75,000 bonus miles after you spend $4,000 on purchases within the first 3 months from account opening.
Intro APR
No standard intro APR offer.
Regular APR
19.49% to 28.49% variable APR, depending on creditworthiness.
Balance transfer fee
Balance transfer fee applies.
Foreign transaction fee
$0
Credit profile
Excellent

BillSaver's view

Premium benefits can offset the annual fee for frequent travelers who use the travel credit and lounge benefits.

Where this card can miss

It is overbuilt for infrequent travelers who will not use portal credits or lounge access.

How to compare it

Use the reason you are shopping as the test. If you pay in full, estimate the rewards you would actually earn and subtract the annual fee. If you are moving debt, compare the transfer fee and payoff window with the regular APR waiting after the promotion. If you are building credit, put cost, reporting, deposit rules, and payment habits ahead of a flashy bonus.

The figures above are a comparison summary, not an application decision. Read the current issuer disclosure before applying because the offer, APR, fees, rewards, and eligibility rules may change.