Guide
Is the Capital One Venture X worth the annual fee? (2026)
Venture X costs $395/year but includes a $300 Capital One Travel credit and 10,000 anniversary miles. Effective fee is roughly $95 if you use the credit — plus you get lounge access and 5× on portal bookings.
Quick comparison
| Card | Best for | Earn rate | Annual fee |
|---|---|---|---|
| Venture X | Portal travel | 5× miles | $395 |
| Sapphire Preferred | Lower fee travel | 5× points | $95 |
| Venture X | Catch-all | 2× miles | $395 |
Why most people pick the wrong card
Most people default to the same card at checkout — usually the one on top in their wallet. That habit quietly costs hundreds of dollars a year when another card in your stack earns 3×, 4×, or even 6× on the same purchase.
How Pikt routes smarter than guesswork
Pikt links the cards you already carry, weighs your offers and category earn rates, and tells you the best card to use — with a plain-English explanation and dollar estimate for every purchase. Online, the Pikt Checkout extension auto-fills that card at checkout; in-store, Pikt Nearby names it on your lock screen. Pikt routes travel to Venture X when the portal earns 5× and uses 2× miles for everyday spend.
Frequently asked questions
- Venture X vs Venture X business?
- Similar earn structure. Personal Venture X is the common choice for non-business travelers.
$426 at Delta Airlines → Sapphire Preferred earns $26.63 (+$13.85 vs default card)
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