Capital One Venture X Bonus MCC Categories
The Capital One Venture X earns bonus rewards when you spend at merchants with specific MCC (Merchant Category Code) codes. Here's a breakdown of which categories earn bonus rates:
1. All Purchases — 2x Miles
Every purchase earns 2x miles with no category restrictions, no caps, and no gimmicks.
| Category | MCC Codes | Top Merchants |
|---|---|---|
| All Purchases | All MCC codes | Any merchant worldwide |
2. Travel (Capital One Travel) — 5x Miles
Travel booked through Capital One Travel portal earns 5x miles.
| Category | MCC Codes | Top Merchants |
|---|---|---|
| Travel (Capital One Travel) | 3000-3299, 3500-3999, 4111, 7011 | Airlines, Hotels, Rental Cars (via Capital One Travel) |
Tips to Maximize Capital One Venture X Rewards
- Use Venture X for everything — 2x on all purchases with no thinking required
- Book travel through Capital One Travel for 5x miles
- Transfer miles to 15+ airline partners for premium cabin redemptions
- The $300 travel credit + 10,000 anniversary miles offset most of the annual fee
- Great card to pair with a category-specific card
Frequently Asked Questions
What is the Capital One Venture X earn rate?
Venture X earns unlimited 2x miles on every purchase and 5x miles on travel booked through Capital One Travel.
Is Capital One Venture X better than Chase Sapphire Reserve?
Venture X is simpler (2x everywhere vs category-based earning) and has a lower effective annual fee. Sapphire Reserve earns more in specific categories (3x on travel/dining). Choose based on your spending style.
Does Venture X have foreign transaction fees?
No. Capital One Venture X has no foreign transaction fees, making it excellent for international travel.
Last Updated: June 2026 | MCC codes and card rewards may change. Always verify with CheckMCC and your card issuer.