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Capital One Venture X 100,000 Miles: Best Welcome Bonus Since 2021 Is Back
July 1, 2025
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The content on this page is accurate as of the posting date (November 12, 2025); however, some of the offers mentioned may have expired. Credit card offers, rates, rewards, and benefits can change at any time. We recommend checking current offers through the Kudos Explore Tool or on the issuer's website before applying.
The Capital One Venture X Rewards Credit Card just brought back its highest welcome bonus in nearly four years. For a limited time, new cardholders can earn 100,000 bonus miles after spending $10,000 in the first six months, matching the record offer from the card's 2021 launch. If you've been waiting for the right moment to apply for one of the market's best premium travel cards, this is it.
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TL;DR: Capital One Venture X 100K Offer
✅ 100,000 bonus miles after $10,000 spend in 6 months
✅ $395 annual fee (significantly lower than competitors)
✅ $300 annual travel credit through Capital One Travel
✅ 10,000 anniversary bonus miles every year ($100 value)
✅ Airport lounge access: Capital One Lounges + Priority Pass
✅ Earn 10x miles on hotels and car rentals through Capital One Travel
✅ Earn 5x miles on flights booked through Capital One Travel
✅ Earn 2x miles on all other purchases
Check your approval odds with Kudos before applying to see your likelihood of getting approved. Approval odds are estimates based on available data, not guarantees. Card issuers consider factors beyond what's visible to third-party platforms when making approval decisions. Even platforms with direct access to issuer decision-making logic can't predict approvals with 100% accuracy.
New 48-Month Family Restriction
Before applying, understand this: Capital One just implemented a new rule that groups Venture and Venture X under one 48-month welcome bonus restriction.
This means:
- Earning the Venture X bonus locks you out of the regular Venture bonus for 48 months
- Earning the regular Venture bonus locks you out of Venture X for 48 months
- This is your ONE Venture family bonus for the next 4 years
Strategic implication: If you're eligible now, Venture X is the clear choice over regular Venture due to superior benefits ($300 credit, lounge access, anniversary bonus) despite the higher annual fee.
Why This Offer Matters
Since launching in November 2021, the Venture X has typically offered 75,000 miles for $4,000 spend in three months. This new offer gives you 25,000 more miles, but requires $10,000 in spending over six months.
The math breaks down to:
- $1,667 per month for 6 months
- At a minimum 2x earning rate, you'll end up with at least 120,000 total miles
- Worth $1,200 toward travel (or more when transferred to partners)
With holiday shopping season here, meeting the $10,000 threshold becomes much easier if you're buying gifts, booking holiday travel, or making larger seasonal purchases.
How Much Are 100,000 Capital One Miles Worth?
At minimum redemption value: $1,000 toward travel through Capital One Travel
At transfer partner value: Up to $1,800+ when transferred to airline and hotel partners like:
- Air Canada Aeroplan
- Turkish Airlines Miles & Smiles
- British Airways Executive Club
- Japan Airlines Mileage Bank
- Avianca LifeMiles
- Wyndham Rewards
- Choice Privileges
Capital One miles offer exceptional flexibility. Redeem directly for travel at 1 cent per mile or transfer to 15+ partners for potentially higher value.
Is the $395 Annual Fee Worth It?
The Venture X's annual fee is offset by its built-in value. Between the annual travel credit and anniversary bonus miles, the card essentially pays for itself before you use any other premium benefits.
Beyond that baseline value, you get perks that would otherwise cost hundreds separately: unlimited lounge access for you and two guests, TSA PreCheck or Global Entry credit, Hertz President's Circle elite status, primary rental car insurance, and no foreign transaction fees.
Capital One Venture X Approval Requirements
Capital One uses unique approval criteria that differ from other issuers. Here's what you need to know:
Venture Family Bonus Restrictions
Capital One recently changed the rules. Here's what you need to know:
You're INELIGIBLE for the Venture X bonus if:
- You received a Venture X bonus in the past 48 months
- You received a regular Venture bonus in the past 48 months ← NEW RULE
- You received a VentureOne bonus in the past 48 months ← NEW RULE
Important exceptions:
- Venture X Business is separate - You can earn both personal and business bonuses independently
- Product changes don't qualify - Upgrading from Venture to Venture X won't earn you the 100k bonus
- The clock starts when your bonus posts, not when you opened the card or met spend
How to check your eligibility:
- Log in to Capital One
- Go to "View Rewards Activity"
- Filter by "Bonuses Earned"
- Find your last Venture family bonus date
- Add 48 months - that's when you're eligible again
Use Kudos' Approval Odds to verify your chances before applying.
Other Eligibility Restrictions
- Capital One typically limits cardholders to 2 personal cards maximum
- Generally won't approve new cards if you opened another Capital One card within the past 6 months
What Capital One Looks For
Based on approval data points:
- Strong credit score (typically 700+)
- Low velocity (fewer recent account openings)
- Moderate inquiries across all bureaus
- Existing banking relationship with Capital One can help but isn't required
Common Denial Reasons (from Reddit reports)
- "Too many opened accounts in past 24 months"
- "Too many active accounts"
- High inquiry count (even with excellent credit)
Pro tip: Use Kudos' Approval Odds feature to see your personalized likelihood of approval before applying. This saves you from unnecessary hard inquiries if your chances are low.
How to Maximize This Offer
1. Time Your Application Strategically
With holiday shopping approaching, you can naturally hit $10,000 by:
- Holiday gift purchases
- Travel bookings (flights, hotels for upcoming trips)
- Annual subscriptions or memberships
- Insurance premiums (if payable by card)
- Larger purchases you were already planning
2. Pay Only for the Product with Miles (If Using Points for Purchases)
If you're redeeming points for purchases, pay sales tax with your card instead of points to:
- Avoid wasting points at 1x value
- Earn credit card rewards on the tax portion
- Maximize the bonus value on travel-coded transactions
3. Plan Your First Year Strategy
To maximize first-year value:
- Earn miles
- Use the travel credit before your first anniversary
- On your anniversary, earn bonus miles
- Total first-year value: $1,500+ in miles and credits
5. Book Through Capital One Travel for Bonus Categories
Maximize the hotels and flights earnings by:
- Booking your post-signup trip through Capital One Travel
- Using the credit on flights or hotels
- Stacking with airline/hotel loyalty programs (you still earn miles/points with the travel provider)
Capital One Venture X vs. Competitors
Venture X vs. Chase Sapphire Reserve®
[[ SINGLE_CARD * {"id": "510", "isExpanded": "false", "bestForCategoryId": "15", "bestForText": "Frequent Travelers", "headerHint": "$300 Annual Travel Credit"} ]]
Winner: Venture X for lower cost and higher welcome bonus. CSR wins for broader travel credit flexibility.
Venture X vs. American Express Platinum Card®
[[ SINGLE_CARD * {"id": "106", "isExpanded": "false", "bestForCategoryId": "15", "bestForText": "Frequent Travelers", "headerHint": "Serious Points on Flights"} ]]
Winner: Amex Platinum for lounge network and higher bonus. Venture X for simplicity and lower annual fee.
How to Apply for the Venture X 100K Offer
- Step 1: Check your approval odds with Kudos to see your likelihood of getting approved
- Step 2: Apply through Kudos' Explore Tool
- Step 3: Complete the application (typically an instant decision)
- Step 4: If approved, add the card to your Kudos wallet to unlock $100 Kickstart+ Boost
- Step 5: Start working toward your $10,000 spending requirement. We will let you know how close to hitting your signup bonus
Bottom Line
The Capital One Venture X 100,000-mile welcome bonus is the best offer we've seen on this card in nearly four years. Combined with a competitive annual fee, strong ongoing benefits, and flexible redemption options, this card delivers exceptional value for frequent travelers.
With holiday spending season here, there's no better time to apply.
Frequently Asked Questions
How long will the 100,000-mile Venture X offer last?
Capital One hasn't announced an end date for this limited-time offer. These elevated bonuses typically last a few weeks to a few months. If you're interested, apply sooner rather than later. This content was last updated on November 12, 2025. Offers may have changed since publication.
Can I get approved if I have the regular Venture card?
Yes. Capital One's latest rules allow you to hold multiple Venture family cards and earn bonuses on each (as long as you haven't received a Venture X bonus in the past 48 months).
Will checking my approval odds affect my credit score?
No. Using Kudos' Approval Odds feature or Capital One's pre-approval tool performs a soft pull that doesn't impact your credit score. Only the actual application results in a hard inquiry.
Can I product change from Venture to Venture X?
Product changes aren't eligible for the welcome bonus. You must apply for a new card to earn the miles.
Is $10,000 spend too high for most people?
It depends on your natural spending. At $1,667/month for 6 months, many households can hit this through regular expenses like rent (if allowed), utilities, groceries, gas, and holiday shopping, especially during Q4. Never overspend just to earn a bonus.
Can I earn the bonus more than once?
No. Capital One's 48-month rule means you can only earn one Venture X bonus every four years. If you received the bonus when the card launched in 2021, you're likely ineligible until late 2025/early 2026.
What if I'm denied despite good credit?
Capital One is selective with velocity-sensitive applicants. Even with excellent credit (780-820), approvals can be denied for "too many recent accounts." This is why checking approval odds first is crucial.
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Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
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