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Capital One

Venture X

Annual fee $395 · 2x everything, 10x hotels via portal

Venture X combines a $300 annual travel credit with 10,000 anniversary miles, together worth $400 a year against a $395 fee. Both credits land on your card anniversary rather than the calendar year, so the reset date moves with when you opened the account.

Fee break-even: 98.8%. Use about 99% of this card's valued credits over the year and the $395 fee is covered.

The math

Each credit's per-occurrence amount, multiplied by how often it resets in a year.

Travel credit
$300 × 1/yr
$300/yr
Anniversary miles10,000 miles
$100 × 1/yr
$100/yr
Total annualized credits$400/yr

Full credits table

CreditAmountCadenceResets byCategoryNotes
Travel credit $300 Once a year Card anniversary travel None
Anniversary miles $100 Once a year Card anniversary points 10,000 miles

Standing perks

Non-dollar perks that come with the card, not counted in the math above.

Track this card automatically.

Perq Wallet keeps every credit on this card current and tells you before any of it resets. Or run the numbers for your own wallet.

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