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

The Capital One Venture X Rewards Credit Card (seerates and fees) 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.

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 (see rates and fees).

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 (see rates and 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.

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.

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.

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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At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every credit card story is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of credit cards. While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics.

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