Are the Capital One Venture X Cards Good for People Who Enjoy Cruising?

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a cruise ship docked at a dock
Adventure of the Seas

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Capital One launched a couple of cards that created some noise during the past couple of years.

The Capital One Venture X Rewards Credit Card was introduced in November 2021 and its business counterpart, the Capital One Venture X Business, hit the scene last year.

Both cards earn at least 2X miles per dollar spent, offer airport lounge access, and make it easy to earn back their annual fees.

So, do the Capital One Venture X Rewards Credit Card  and Capital One Venture X Business  deserve spots in cruise enthusiasts’ wallets?

Great Cards for Non-Bonused Spending

I use my Capital One Venture X Rewards Credit Card for most purchases at merchants whose spending doesn’t qualify for a special category bonus.

For example, I use my American Express® Gold Card for dining purchases because it earns 4X at restaurants worldwide. Unless there’s a big promotion, I won’t use my Venture X Rewards Card for something like that because it earns only 2X. (All information related to the Amex Gold Card was collected independently by Frequent Floaters and was neither provided nor reviewed by the card issuer. Terms apply.)

But the Venture X Rewards Card comes in especially handy for spending on medical (doctors’ offices, dentists, veterinarians), utilities (though a couple of cards do bonus that), liquor stores, school and child-care-related expenses, and other related expenses.

Capital One Venture X Rewards Card
You can see the workout that my Venture X card gets!

The Capital One Venture X Business is helpful for businesses looking to earn 2X on non-bonused purchases like taxes, contractors, etc.

That said, I put most of those expenses on my no-annual-fee Blue Business® Plus Credit Card, which earns 2X points on each eligible purchase up to $50,000 a year in spending. (Rates and Fees. Terms apply. All information related to the Blue Buisiness Plus was collected independently by Frequent Floaters and was neither provided nor reviewed by the card issuer.)

Both cards also earn 5X miles on flights booked through Capital One Travel and 10X on hotels and rental cars booked through Capital One Travel.

Come Out Ahead

Both the Capital One Venture X Rewards Credit Card  and Capital One Venture X Business carry $395 annual fees.

That’s fairly hefty, right?

But cardholders are entitled to up to $300 that can be applied toward Capital One Travel purchases each membership year, plus 10,000 bonus miles upon card renewal.

If we value those miles at a cent each — and that’s pretty conservative — 10,000 points are worth $100.

That means you can get at least $400 of value out of the cards whose annual fees are $395.

a row of seats in an airplane
Avianca A320 First Class Seats

However, some people are (understandably) averse to the “coupon-book” method of use’em-or-lose’em statement credits used to offset annual fees. We’ve seen that a lot with the higher-end American Express cards.

I end up paying at least a little bit out of pocket for air and hotel reservations each year. So, I don’t sweat too much about using that $300 travel credit.

Cruises, however, are not available for purchase through Capital One Travel. You’d use the credit for something like flights to/from a port city and hotel stays. Capital One Travel is an online travel agency (OTA), so you aren’t automatically entitled to any elite status benefits at hotels.

However, you do earn airline elite status miles/points/dollars and redeemable points/miles for air purchases through Capital One. (Just make sure to add your loyalty program number.)

Transfer Partners

Capital One boasts a pretty decent roster of travel patterns to whom you can transfer miles:

Airlines (all are 1000:1000 transfers, unless noted):

  • Aeromexico Club Premier
  • Air Canada – Aeroplan
  • Air France-KLM Flying Blue
  • Cathay Pacific – Asia Miles
  • Avianca LifeMiles
  • British Airways Executive Club
  • Emirates Skywards
  • Etihad Guest
  • EVA Air (Infinity MileageLands) (1000:750)
  • Finnair Plus
  • Qantas Frequent Flyer
  • Singapore Airlines KrisFlyer
  • TAP Miles&Go
  • Turkish Airlines Miles&Smiles
  • Virgin Red

Hotels (all are 1000:1000 transfers, unless noted):

  • ALL (Accor Live Limitless) (1000:500)
  • Choice Privileges
  • Wyndham Rewards

These can come in especially handy when needing air transportation to or from a positioning cruise.

Lounge Access – For Additional Cardholders, Too!

Both cards allow members to enroll in complimentary Priority Pass Select memberships. (Most people reading this blog probably have Priority Pass access through at least one card.)

But here’s a fun twist: up to four Capital One Venture X Rewards Credit Card additional cardholders can be added for no additional fee — and they can get Priority Pass Select memberships.

Again, for no additional fee. So, if you have trusted friends and family, etc., this is a way to get them complimentary access to a bunch of airport lounges.

a room with chairs and a wall
Variety of Seating Options at UIO Priority Pass Sala VIP

For example, my best friend of 30 years travels occasionally. I added him as an authorized user to my Capital One Venture X Card so he can visit airport lounges. (Additional cardholders also can take advantage of their card’s Global Entry statement credit benefit!)

Plus, Capital One launched its own line of airport lounges. Right now, their clubs in Dallas (DFW) and Denver (DEN) are the only ones that are open, though several more on the way.

The Venture X Business does not offer the free additional cardholder feature.

Time to Set Sail!

The Capital One Venture X Rewards Credit Card  and Capital One Venture X Business are solid choices for any traveler. The annual fees are easy to earn back and the 2X points base earnings come in great for traditionally non-bonused purchases.

 

For rates and fees of the American Express® Gold Card, please visit this link.
For rates and fees of The Blue Business® Plus Credit Card from American Express, please visit this link.

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Advertiser Disclosure: Frequent Floaters is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com. Some or all of the card offers that appear on the website are from advertisers. Compensation may impact how and where card products appear on the site. This site does not include all card companies or all available card offers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed, or approved by any of these entities.

Responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

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