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Capital One Venture X

Capital One - Visa

Annual fee

$395

General spend

1%

Welcome bonus

$375 worth

What it pays

Everything else1%

Rates are the return per dollar. Points are valued at a conservative cents-per-point rate, so this card can be compared directly with cash back cards.

Before you apply

Typically needs excellent credit.

Whether this card is worth its fee depends on your spend. The audit checks it against your own statement in a few minutes.

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