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How to meet minimum spending on the Capital One Venture X

Dec. 02, 2021
9 min read
Capital One Venture X_2_2021_CCSL
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The Capital One Venture X Rewards Credit Card debuted in October 2021 and has already proved its worth as one of the top travel credit cards available for applicants today.

But as with most rewards cards, there's a six-figure sign-up bonus on the line that also requires a hefty amount of spend.

If you've been thinking about applying for the Venture X, here are some strategies to help you meet the minimum spending requirements.

Official application link: Capital One Venture X.

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Card details — and why it's worth getting

(Photo by John Gribben for The Points Guy)

What makes the Venture X so special? Beyond the attractive 100,000-mile welcome bonus, the Venture X is a rewarding card for travelers. Here's a look at its impressive benefits:

*Benefits available on Visa Infinite accounts. Terms apply.

Even with these ongoing features on the card, you won't want to miss out on this six-figure sign-up bonus, worth $1,850 according to TPG's valuations.

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Sign-up bonus

Currently, the sign-up bonus on the Venture X is twofold.

You'll earn 100,000 bonus miles after spending $10,000 in the first six months from account opening. For a limited time, you can also receive an up to a $200 vacation rental statement credit during the first year of account opening that is good for eligible merchants like Airbnb, Turnkey, Vacasa and Vrbo.

This bed and breakfast is located in the countryside of Italy. (Photo courtesy of Airbnb)

New applicants for the Venture X are eligible to earn this sign-up bonus. You might also consider upgrading to the Venture X from your Capital One VentureOne Rewards Credit Card or the Capital One Venture Rewards Credit Card. However, in that case, you're not eligible to receive this sign-up bonus, so it likely makes sense to fill out a separate application rather than requesting a product change.

Strategies for meeting minimum spend requirements

While the spending threshold for the Venture X is higher than other cards, the time you have to meet these requirements is also longer. As such, $10,000 spend in six months breaks down to roughly $1,667 per month.

When you break it down in this fashion, the minimum spend requirements feel a lot more reasonable. Here are some ways to get to the finish line quicker.

Opening a new credit card around the holidays is a strategic move if you're looking to score a big sign-up bonus. (Photo by Josh Brasted/Getty Images)

Holiday shopping

The holiday season is especially conducive to applying for a card like the Capital One Venture X since most households likely will face a lot of shopping expenses around this time of year. What's even better is that the Venture X awards 2 miles per dollar on all non-bonus purchases. Since many shopping purchases fall outside of traditional, everyday bonus categories on other credit cards, you'll be racking up double the miles while working toward that $10,000 threshold.

Book trips for the new year

The Venture X is also quite the beast when it comes to earning and redeeming miles for travel and getting premium travel benefits. With that in mind, it's a great time to start planning trips for the new year, which could be hundreds or potentially even thousands of dollars in spend. Just note that you won't earn miles if the travel credits are applied to your card.

Add authorized users

One of the major benefits that sets the Venture X apart from other premium credit cards on the market is the ability to add up to four authorized users for no additional cost. Not only will their spend count toward your sign-up bonus, but they'll also get their own access to Capital One and Priority Pass lounges and can bring in their own two guests for free. This makes the Venture X one of the best cards for families – and you can reap the benefits of their spending as the primary cardholder.


Before you go all-in, there are a few reminders to go over before pursuing a lucrative sign-up bonus like the one on the Venture X.

Don't spend what you can't afford to pay back

No matter how great a sign-up bonus is, it's never worth it to go into debt or pay late or interest fees if you can't afford to pay off your statement balance on time and in full every month. $10,000 in spend is not something to take lightly, so be sure that you can afford to pay off this balance before the end of the six months. Likewise, you're responsible for any and all charges that your authorized users add to the card, so be sure that you can trust them with this responsibility.

Can't meet the spend threshold? Consider the Capital One Venture instead

The Venture X is a premium card. As such, the welcome bonus and benefits come at a premium — namely, a $395 one. If your budget is stretched thin this year you may want to consider some other, more affordable options instead. The classic Capital One Venture Rewards Credit Card is still a great pick. While the benefits aren't as extensive, you'll enjoy a similar earning rate (5x on hotels and rental cars booked through Capital One Travel), the Global Entry or TSA Precheck application credit and access to Capital One's suite of transfer partners for a fraction of the cost, at $95 per year.

The Venture's sign-up bonus is much more approachable and will still reward you with a ton of bonus miles. Currently, you can earn 75,000 miles after you spend $4,000 in the first three months of account opening.

Beware of timing

From the moment you're approved, the clock starts ticking for the spending needed to trigger the sign-up bonus. While you won't receive your physical card in the mail for a few business days, Capital One offers a unique feature that allows you to get a virtual card number by installing the Eno browser extension when shopping online. This not only allows you to start shopping with your new Venture X, but it also helps protect you from potential fraud by not providing your real card number online.

Bottom line

Among all of the reasons we think that the Venture X is one of the best premium cards we've seen in a while, that 100,000-mile welcome offer is hard to ignore. With the right strategies in mind, meeting the $10,000 spend threshold shouldn't be too difficult for those who are intentional about doing so within the six-month period.

Official application link: Capital One Venture X.

Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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