What credit score do you need to get a Capital One Venture X card? (2024)

The Capital One Venture X Rewards Credit Card is one of the top luxury credit cards. It's loaded with easy-to-use benefits that make this card worth keeping year after year. And it earns Capital One Miles, which are some of the most versatile travel rewards.

However, you'll need a healthy credit score to get approved for most of the top travel credit cards, and the Capital One Venture X card is no exception. CNBC Select has the details on this card's benefits and credit score requirements to help you decide if it's the right card for you.

Capital One Venture X Rewards Credit Card

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  • Rewards

    Unlimited 2X miles on all eligible purchases, and 5 Miles per dollar on flights and 10 Miles per dollar on hotels and rental cars when booked via Capital One Travel portal

  • Welcome bonus

    Earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening

  • Annual fee


  • Intro APR


  • Regular APR

    19.99% - 29.99% variable APR

  • Balance transfer fee

    $0 at the Transfer APR, 4% of the amount of each transferred balance that posts to your account at a promotional APR that Capital One may offer to you

  • Foreign transaction fees


  • Credit needed


  • Terms apply.

Read our Capital One Venture X Rewards Credit Card review.


  • Large welcome bonus
  • No foreign transaction fees
  • Up to $100 statement credits for either Global Entry or TSA PreCheck®
  • Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network

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Capital One Venture X Card overview

The Capital One Venture X Rewards Credit Card has a hefty $395 annual fee but comes with many perks that can make the fee worth paying.

Every year, cardholders receive a $300 Capital One Travel credit. Cardholders also get a 10,000-mile anniversary bonus, which is worth at least $100 toward travel. These two benefits alone can offset the card's annual fee year after year.

Other benefits include:

  • Up to $100 in Global Entry or TSA PreCheck application fee credit every four years
  • Airport lounge access: Capital One Lounges, Plaza Premium and Priority Pass locations
  • Cell phone protection
  • No foreign transaction fees
  • Transfer miles to 15+ travel partners
  • Hotel perks through Capital One's Premier Collection and Lifestyle Collection
  • Rental car insurance*
  • Trip cancellation and interruption coverage*
  • Trip delay reimbursem*nt*
  • Lost luggage reimbursem*nt
  • Purchase security
  • Return protection
  • Extended warranty protection

*Benefit only available to accounts approved for the Visa Signature card. Terms apply.

Capital One Venture X Card credit score requirements

To give yourself the best chance of getting approved for the Capital One Venture X Rewards Credit Card, you'll want a very good to excellent credit score.

FICO® Score is one of the most commonly used credit scoring models, and it classifies credit scores as follows:

  • Very poor:300 to 579
  • Fair:580 to 669
  • Good:670 to 739
  • Very good:740 to 799
  • Excellent:800 to 850

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.

Capital One doesn't have many official application restrictions, but reports suggest that you can only have two personal Capital One cards at a time. This limit typically doesn't include small business credit cards and co-branded credit cards, such as the Capital One Spark Miles for Business or Capital One Walmart Rewards® Mastercard®. You also won't be eligible for this card if you've received a Capital One Venture X welcome bonus in the past 48 months.

Find the best credit card for you by reviewing offers in ourcredit card marketplaceor get personalized offers viaCardMatch™.

Improving your FICO® Score

Your FICO Score is based on the information contained in your credit reports, but your credit activities aren't equally weighted. According to FICO, your score is based on:

  • Payment history (35%)
  • Amounts owed (30%)
  • Length of credit history (15%)
  • New credit (10%)
  • Credit mix (10%)

Since the amount of debt you owe and your payment history are weighted more heavily, this is what you can focus on to give yourself the best chance of improving your credit score. Building your credit history or repairing your credit score after a rough patch, will take time. However, there are options for lifting your credit score in the short term, although this won't necessarily improve your credit card application odds.

Experian Boost™* and eCredable Lift, are services that allow you to add additional information to certain credit reports, such as utility payments or payments to streaming services. It's possible that adding this activity to your credit history could boost your score but even in that scenario, there's no guarantee that the lender will consider this information in your application.

Experian Boost™

On Experian's secure site

  • Cost


  • Average credit score increase

    13 points, though results vary

  • Credit report affected


  • Credit scoring model used

    FICO® Score

Results will vary. See website for details.

How to sign up for Experian Boost:

  1. Connect the bank account(s) you use to pay your bills
  2. Choose and verify the positive payment data you want added to your Experian credit file
  3. Receive an updatedFICO® Score

Learn more about eligible payments and how Experian Boost works.


Some Capital One credit cards limit you to earning a welcome bonus offer once every 48 months. The waiting period applies to each card separately, so if you've earned an intro bonus from a Capital One Venture X card, that won't limit you from earning other Capital One welcome bonuses.

Premium credit cards like the Capital One Venture X tend to be the most difficult type of credit card to get approved for. You'll typically need a pristine credit history and a high credit score to qualify.

Capital One doesn't have an official minimum income requirement to qualify for the Venture X card. However, you will need to be able to show you can afford to make payments on your card and it's reasonable to expect a higher income to improve your approval odds.

Bottom line

The Capital One Venture X Rewards Credit Card is a top-notch rewards credit card. Its suite of premium benefits can more than justify its annual fee. However, you'll most likely need a relatively high credit score to get this card.

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Read more

Here are the best Capital One credit cards for cash back, travel and 0% APRs

These credit cards offer lounge access and credits for expedited airport security

Capital One Venture Rewards Credit Card vs. Capital One Venture X

Capital One Venture X review: A premium travel credit card for everyone

*Results may vary. Some may not see improved scores or approval odds. Not all lenders use Experian credit files, and not all lenders use scores impacted by Experian Boost.

Editorial Note: Opinions, analyses, reviews or recommendations expressed in this article are those of the Select editorial staff’s alone, and have not been reviewed, approved or otherwise endorsed by any third party.

What credit score do you need to get a Capital One Venture X card? (2024)


What credit score do you need to get a Capital One Venture X card? ›

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 is needed for Capital One Venture X? ›

Suggested credit score

A FICO® Score of 700 or higher may help when applying for the Capital One Venture X Rewards Credit Card. Capital One has designed this credit card for consumers who have excellent credit.

What score do you need to get a Capital One credit card? ›

You need a credit score of 700 or higher (good to excellent credit) to get the best Capital One credit card offers. Other options are also available for people with lower scores, as it is possible to get approved for Capital One credit card with limited credit history or a bad credit score.

What is the minimum credit limit for venture X? ›

The Venture X has a minimum credit limit of $10,000. Capital One doesn't advertise a maximum limit.

What credit score is needed for a Capital One business credit card? ›

If you're considering a Capital One business credit card, here's what you should keep in mind: Know your credit score: Most of the best Capital One business credit cards require excellent credit to be approved, which usually means a FICO score of 740 or above.

What credit score do you need for venture capital? ›

Summary Credit Score for Capital One Venture Approval

You should only apply when your credit score is at least 700, but preferably 750 or higher. Once you qualify for the Capital One Venture Card, you'll begin earning at least 2x miles on every purchase.

Is Capital One Venture X easy to get? ›

The Capital One Venture X Rewards Credit Card is not easy to get. You need to have an excellent credit score of 750 or higher and plenty of income to qualify for the Capital One Venture X, which makes it hard to get for most people. A sufficient credit score is not the only requirement for approval, either.

What credit score is needed for a credit one card? ›

The credit score you need for a Credit One credit card is at least 500-700, depending on the card. Credit One credit cards are available to applicants with credit scores ranging from bad to good or better. So, it's possible to be approved despite having a damaged credit score or limited credit history.

Which credit score does Capital One check? ›

Capital One appears to pull from any of the three major credit bureaus: Experian, Equifax and TransUnion.

What is the minimum credit limit for venture one? ›

The credit limit on your Capital One VentureOne card account depends on a variety of factors, including your credit score and credit history, the amount of debt you already carry and your income. The minimum credit limit is $5,000, although many people qualify for a higher limit.

What is the hardest Capital One card to get? ›

Capital One Venture X Rewards Credit Card

A rating of 5 is the best a card can receive. Why it's one of the hardest credit cards to get: The Capital One Venture X Rewards Credit Card is hard to get because it requires excellent credit for approval and charges an annual fee of $395. You get a lot in return, though.

How much is the venture X fee? ›

It comes with a $395 annual fee, which is less than many competitors. Yet, it still delivers on the common benefits you've probably come to expect from top-tier travel cards. Think: lounge access, statement credits for travel, and TSA PreCheck or Global Entry reimbursem*nt.

Does Venture X pay for itself? ›

The ongoing benefits of the Capital One Venture X Rewards Credit Card may end up paying for the card's $395 annual fee by themselves. The card's benefits are worth an estimated $1,089 per year as of May 2022, according to Credit Karma's Total Benefit Value.

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

You need a credit score of 700+ to get the Capital One VentureOne Card, which means at least good credit is required for approval.

Is Capital One hard to get approved? ›

It is not very hard to get a Capital One credit card because Capital One offers cards for people with bad credit or better. The easiest credit card to get from Capital One is the Capital One Quicksilver Secured Cash Rewards Credit Card, which is available to applicants with bad credit.

What credit do I need for Capital One Venture? ›

We recommend that anyone applying for the Capital One Venture Rewards Credit Card have a FICO score of at least 690. With that in mind, credit score alone isn't the only important factor. Your income, current debt, credit history and usage may be considered.

Does Capital One Venture X do a hard pull? ›

The actual credit card application uses a hard credit inquiry, which will affect your credit score. So before you push the button to apply, take a look at the other criteria Capital One wants you to meet before applying for a Venture card.

What are the disadvantages of Capital One Venture X? ›

Capital One Venture X Disadvantages

Annual fee: The annual fee is $395. No 0% APR on purchases: The Capital One Venture X does not currently offer a 0% APR promotion on purchases, so it is not good for people looking to finance big purchases.

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