Capital One Venture X Card - Credit Score & Requirements (2024)

The Capital One Venture X Rewards Credit Card is easily one of the best credit cards in the world.

Thanks to an array of travel benefits, a fantastic bonus structure, and key protections available to its cardholders, it has been one of the most popular card options for the ultra-premium consumer since its debut in 2021.

But, as we’ve learned from various sources, getting approved for the Capital One Venture X card hasn’t been that easy.

So, how exclusive is this credit card, and what are the requirements? In this guide, we’ll be investigating the factors that Capital One is looking for when evaluating applications.

Let’s get started!

Capital One Venture X Card Snapshot

Capital One Venture X Rewards Credit Card

U.P. Rating

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.

Learn More

(at Capital One's secure site)

Capital One Venture X Rewards Credit Card

The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.

Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel.

75,000 miles



19.99% - 29.99% (Variable)

Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Excellent (740-840)

The Capital One Venture X Rewards Credit Card is the premium Capital One travel rewards card on the block.

Points and miles fans will be surprised to see that the Capital One Venture X card packs quite the punch when it comes to bookings made through Capital One, all while offering the lowest annual fee among premium credit cards.

Depending on your travel goals and preferences, the Capital One Venture X card could very well end up being your go-to card in your wallet.


  • 10x miles per $1 on hotels and rental cars purchased through Capital One Travel
  • 5x miles per $1 on flights purchased through Capital One Travel
  • 2x miles per $1 on all other purchases
  • $300 annual travel credit on bookings made through Capital One Travel
  • Unlimited complimentary access for cardholder and 2 guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
  • 10,000 bonus miles awarded on your account anniversary each year
  • Global Entry or TSA PreCheck credit
  • Add authorized users for no additional annual fee ()
  • No foreign transaction fees ()


  • $395 annual fee ()
  • Does not offer bonus categories for flights or hotel purchases made directly with the airline or hotel group, the preferred booking method for those looking to earn elite status
  • Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
  • Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
  • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
  • Earn unlimited 2X miles on all other purchases
  • Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
  • Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
  • Elevate every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and more
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®

Financial Snapshot

  • APR: 19.99% - 29.99% (Variable)
  • Foreign Transaction Fees: None

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  • Benefits of the Capital One Venture X Card
  • Best Ways to Use Venture X Points
  • Capital One Venture X Credit Score and Approval Odds
  • Capital One Venture X Lounge Access
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Credit Score Factors

Currently, there are 5 major factors that determine your FICO credit score:

  • Payment History
  • Amounts Owed
  • Length of Credit History
  • New Credit
  • Credit Mix
Capital One Venture X Card - Credit Score & Requirements (2)

Payment history is one of the most important credit score factors — even if you can’t pay off your bills in full every month, making at least the minimum payment every month is essential to demonstrate your creditworthiness. This makes up 35% of your credit score.

Amounts owed simply means what percentage of your total available credit you are using per month (your credit utilization). If you have a combined $50,000 in available credit across all your credit cards and spend around $5,000 per month on your credit cards, that’s equal to a 10% credit utilization. This makes up 30% of your credit score.

Length of credit historyis simply calculated by taking the average of all your credit cards, which makes up 15% of your credit score.

New credit generally refers to the number of hard inquiries on your account. This makes up 10% of your score.

Credit mix is the types of credit you have on your credit report, including, but not limited to, credit cards, auto loans, personal loans, student loans, mortgages, HELOCs, etc. Having a better mix is viewed favorably in the eyes of lenders. This makes up the remaining 10% of your score.

How To Check Your Credit Score

One of the lesser-known facts about credit is that there are many different types of credit scores.

In general, the industry standard is the FICO score. This is in contrast to other scoring systems like VantageScore.

This distinction is important because lenders retrieve your FICO score when you’re applying for credit, and if you’re using your VantageScore to figure out whether you should apply for a credit card, you could be shooting yourself in the foot by referring to the wrong data.

Checking your credit score is free at each of the 3 credit bureaus:Equifax,Experian, and TransUnion.

You can also monitor your credit data on Credit Karma for free, but because Credit Karma uses VantageScore to determine your credit score, we’d recommend using Credit Karma only to examine your credit report, not to ascertain actual your credit score.

What Credit Score Is Needed for the Capital One Venture X Card?

In general, Capital One recommends excellent credit for its top-tier Capital One Venture X card. But one of the unique aspects of Capital One is that having a high credit score alone might not be enough. And it’s absolutely critical to apply only when you feel confident you’ll get approved because Capital One performs hard inquiries on all 3 bureaus (Equifax,Experian, and TransUnion)

The number of new credit cards in the last 2 years appears to be one of the strongest factors in determining whether or not you’ll be approved. Anecdotally, it’s easier to get approved for Capital One credit cards if you sometimes carry a balance. So while we wouldn’t recommend racking up thousands of dollars in interest fees just to get this card, it could end up helping you out if you carry a balance.

Hot Tip: In our experience, Capital One heavily weights income on an applicant’s credit card application. A higher income will generally help your approval odds and allow for a higher credit limit.

Capital One views having a limited credit history negatively, even if your score and income are both relatively high. So we recommend having at least 2 years of excellent credit history (ideally, 3 years) before applying for the Capital One Venture X card.

There doesn’t appear to be any pronounced difference in approvals if you are employed versus self-employed.

Just remember that even if you’re approved for the Capital One Venture X card, you’ll probably be approved with a high APR — that’s to be expected because this card is built for rewards enthusiasts who pay off their bills in full (or almost) every month, not for someone looking to access low interest rates at the expense of rewards.

Before you apply for the Capital One Venture X card, you’ll probably need to make sure all your credit reports aren’t frozen. Capital One will almost never approve credit card applications unless it can get a copy of all 3 reports from Equifax, Experian, and TransUnion.

Maximizing Your Success When Applying for the Capital One Venture X Card

Here are some general rules of thumb that will help maximize your odds of success:

  • Do not apply for more than 1 Capital One credit card every 6 months. In general, Capital One has a hard rule coded into its systems that will auto-decline any applications that are submitted within 6 months of your previous application, regardless of the previous application’s decision.
  • Do not apply for credit cards in the week leading up to your Capital One Venture X card application. We’ve seen applicants, even with excellent credit, get declined for a Capital One Venture X card because they had just applied for another card, like the Chase Sapphire Preferred® card, the day before.
  • Do not apply with a long or recent history of missed payments or delinquencies. If you have a habit of missing payments, we recommend waiting to apply until your payment history has aged at least a year.
  • Leverage your existing Capital One relationship. If you already have a Capital One credit card, you probably have better odds of approval.
  • Watch the number of open accounts you have. If you’ve opened 6 or more new credit cards as reported to your credit report in the last 2 years, you will have dramatically reduced approval odds.

How To Boost Your Credit Score

Capital One Venture X Card - Credit Score & Requirements (3)

If you’re new to credit, Capital One actually offers a selection of unsecured and secured credit cards for those with limited or poor credit.

If you’re ready to take your credit seriously, get one of these starter credit cards, set up autopay, and responsibly use the credit card. Avoid maxing out your credit card, and try to prove your creditworthiness to Capital One.

Another way to fast-track the process of boosting your credit score is to get yourself added as an authorized user onto someone else’s credit card. Ideally, this credit card already has a long and perfect payment history. That way, you can inherit that credit card’s history and thicken your credit report quickly.

Another great way to boost your credit is to dispute any errors that appear on your credit report. For example, if you’re a victim of identity fraud or see accounts that aren’t yours, you can submit disputes with each credit bureau to resolve inaccuracies. Keep in mind that you have to dispute actual inaccuracies, and the credit bureaus will most likely conduct an investigation to determine the validity of the dispute. If it’s deemed a valid account, your dispute will be rejected.

Hot Tip: Check out our tips and strategies to improve your credit score!

What Is the Credit Limit for the Capital One Venture X Card?

The minimum credit to get approved for the Capital One Venture X card is $10,000 due to its Visa Infinite status.

Although the typical credit limit approved for the Capital One Venture X card is anywhere from $15,000 to $30,000, we’ve seen approvals as high as $75,000!

Usually, your credit limit is determined by your income and your creditworthiness. If you have an excellent payment history, high income, and few other credit cards, you stand a good chance of getting a large credit limit.

Final Thoughts

All in all, the Capital One Venture X card is an exceptional ultra-premium credit card with robust perks.

Cardholders will receive access to Capital One Lounges, Plaza Premium Lounges, and Priority Pass lounges, as well as the ability to earn 10x miles on purchases (including 2x miles on non-bonused purchases) and complimentary Hertz President’s Circle status. This credit card is one of the best ways you can boost your wallet.

However, with how unpredictable Capital One is in approving new cardholders for this product and how the bank opts to pull all 3 credit bureaus when you apply, it’s vital to your credit health to apply at the right time.

Simply put, if you have excellent credit, fewer than 6 new credit cards opened in the last 2 years, and a credit history of 3 years or longer, you’ll have a good shot at getting approved. Also, be sure not to apply for any credit cards for at least a week before your Capital One Venture X card application.

Other factors like occasionally carrying a balance and having an existing Capital One credit card relationship can help, too.

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

Enrollment required through Capital One website or mobile app. Upon enrollment, eligible cardholders will remain at upgraded status level through December 31, 2024. Please note, enrolling through the normal Hertz Gold Plus Rewards enrollment process (e.g. at will not automatically detect a cardholder as being eligible for the program and cardholders will not be automatically upgraded to the applicable status tier. Additional terms apply.

The information regarding the Capital One Venture Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

Capital One Venture X Card - Credit Score & Requirements (2024)


Capital One Venture X Card - Credit Score & Requirements? ›

Your approval odds for the Capital One Venture X Card are best if your credit score is 740 or higher. Keep in mind, that other factors go into your application as well, including your income and relationship with Capital One.

What credit score do I need for Capital One Venture X? ›

A FICO® Score of 700 or higher is recommended when applying for the Capital One Venture X Rewards Credit Card. Capital One has designed this credit card for consumers who have excellent credit. Your credit score is one of many factors reviewed during a credit card application, so it's not the only thing that matters.

Why did I get denied for Capital One Venture X? ›

You have insufficient income

A credit card issuer has to make sure you have enough income to make the required payments for your card. If you don't have enough income to make the minimum payments, you might not be approved.

What is proof of income for Capital One Venture X? ›

Applicants must provide their previous two years' W-2's, and their most recent pay stub. The pay stub must be computer-generated, include year-to-date earnings and taxes withheld, contain no alterations, and must have been issued within 40 days of the faxed date.

Can I get a Capital One Venture card with a 650 credit score? ›

Bottom Line. If your FICO or VantageScore credit score is approximately 670 or higher, you have a history of on-time payments for at least the last year and you haven't declared bankruptcy or defaulted on a loan within five years, you have very good odds of being approved for at least one of Capital One's Venture cards ...

What is the lowest credit limit for Capital One Venture? ›

The minimum credit limit for the Capital One Venture Card is $5,000, since Venture is a Mastercard Elite card and Mastercard Elite cards give at least that much spending power. Some people say they've gotten limits as high as $10,000, but the exact limit you get will depend on things like your credit score and income.

Does Capital One approve you instantly? ›

It can also help to know your credit scores and, with help from a pre-approval tool, apply for cards designed for your credit level. At Capital One, pre-approval can take 60 seconds or less. Combining this with an online application could get you a response in minutes.

Does Capital One use FICO or Vantage? ›

One way to do this is by using a free credit tool like CreditWise from Capital One, which lets you access your TransUnion credit report and VantageScore 3.0 credit score. Using CreditWise won't hurt your credit scores. And it's free and available to everyone, even if you don't have a Capital One account.

Can I apply for the same credit card again after being denied? ›

Wait to reapply

If you were rejected because of too many hard inquires, Harzog recommends you wait at least four to six months before applying, or possibly longer. If you don't have stellar credit, you may want to wait longer to reapply than someone who has excellent credit.

Why would Capital One not approve me? ›

Some common reasons for not getting approved for a credit card include: Having a low credit score. Having too much debt. Having too many hard inquiries on your credit reports.

What is the minimum income requirement for Capital One? ›

Your monthly income needs to be at least $425 more than your monthly rent or mortgage payment to get the Capital One Platinum Secured Credit Card, according to Capital One. The higher your income is above the minimum, the more likely you are to be approved.

Does Capital One call your employer? ›

Do they call your past and current employers for employment verification? Yes they verify prior employment history. Does Capital One background check involve previous employment verification?

What credit score do you need for Amex Gold? ›

To qualify for this $250 annual fee card, one of the best travel rewards credit cards available, you should have a credit score of at least 670.

What is the easiest Capital One card to get? ›

The Capital One Platinum Secured Credit Card (see rates and fees) is easier to qualify for because it's a secured card, which means you'll need a security deposit to open the card. Although the card doesn't come with any rewards, you'll have an easier time getting approved even if you have a weaker credit score.

What credit cards can I get with a 650 FICO score? ›

Which types of credit cards can you get with a 650 credit score?
  • Capital One Quicksilver Secured Cash Rewards Credit Card. Learn More. Capital One Quicksilver Secured Cash Rewards Credit Card. ...
  • Capital One Platinum Secured Credit Card. Learn More. ...
  • OpenSky® Secured Visa® Credit Card. View Offer. ...
  • Experian CreditWorks℠ View Offer.
Mar 10, 2024

What credit card can I get with 660 score? ›

Best Credit Cards for a 660 Credit Score in 2024
  • Citi Double Cash® Card.
  • Citi Custom Cash® Card.
  • Upgrade Cash Rewards Visa®
  • Petal® 2 Visa® Credit Card.
  • First Command Bank Classic Visa® Card.
Mar 27, 2024

What is the minimum credit score for venture one credit card? ›

To qualify for the Capital One Venture Rewards Credit Card, you'll likely need to have a good credit score of at least 670, although having a higher credit score would only improve your chances of approval.

Is Capital One Venture a hard pull? ›

Yes, Capital One VentureOne does a hard pull on your credit upon applying. More specifically, it will pull your credit report from any of the major credit bureaus: TransUnion, Experian or Equifax. Keep in mind that you will need a credit score of 700+ to get this card.

Can I get a Capital One credit card with a 600 credit score? ›

According to FICO®, for example, a fair credit score falls between 580 and 669. According to VantageScore®, a fair score ranges between 601 and 660. Capital One credit cards for fair credit include QuicksilverOne, Quicksilver Secured, and the Platinum Mastercard.

What is the starting limit for Capital One Venture card? ›

Capital One doesn't reveal the minimum credit limit for the Capital One VentureOne Rewards Credit Card. However, you can expect to be approved for a credit line below $5,000 if your credit profile is less than perfect.


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