The Capital One Challenge X Rewards Credit score Card stands tall within the trip bank card marketplace. That is due to its easy advantages, skill to earn precious Capital One miles and annual rate of $395, modest in comparison to its top rate opposite numbers.
If you happen to’ve been eyeing this rewards card, now’s an implausible time to use. That is for the reason that card is providing its very best welcome bonus since its release in 2021. The one time this card has had a limited-time welcome bonus was once right through the primary 4 months after it debuted.
However the be offering ends on Jan. 5, 2026, so it would be best to act quickly to safe it.
Let’s dive into the Challenge X’s bonus and advantages to lend a hand you make a decision whether or not now’s the time so as to add the cardboard in your pockets.
Present Capital One Challenge X be offering
New Challenge X candidates can earn 100,000 miles after spending $10,000 on purchases within the first six months of account opening. That is your final likelihood to earn this bonus, because it ends on Jan. 5, 2026.
In step with TPG’s December 2025 valuations, this bonus is price $1,850.
Capital One miles are most precious whilst you leverage some of the issuer’s 15-plus switch companions. Alternatively, cardholders additionally have the ability to redeem at a hard and fast charge of one cent according to level to hide fresh trip purchases at the card or make bookings during the Capital One Commute portal. This bonus is price a decent $1,000 in case you redeem it this manner.
How does this evaluate to previous gives?
Out of doors of the Challenge X’s November 2021 release, that is the one increased be offering we have noticed within the card’s historical past. The Challenge X introduced the similar 100,000-mile be offering from November 2021 to March 2022. Another way, it hasn’t ever strayed from its same old 75,000-mile be offering (now not lately to be had).
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This 100,000-mile be offering hasn’t been to be had in 4 years, making now a nice time to use. The be offering expires quickly, so make sure to follow through Jan. 5, 2026.
Utility laws and restrictions
Capital One has imposed a 48-month circle of relatives rule throughout its lineup of Challenge playing cards, together with the Capital One VentureOne Rewards Credit score Card and the Capital One Challenge Rewards Credit score Card.
This new Challenge circle of relatives rule restricts you from shifting ‘down’ the Challenge card circle of relatives (in relation to annual charges), which means if you have already got the Challenge X and earned the bonus within the final 48 months, you will not be licensed for the VentureOne ($0 annual rate) or Challenge ($95 annual rate). So, that is one thing to remember if you wish to select up this kind of two lower-tier playing cards sooner or later.
Moreover, in case you’ve opened the Challenge X and gained its bonus within the final 48 months, you will not be eligible for this present bonus.
Capital One’s different software restrictions require you to attend six months between approvals for brand spanking new Capital One playing cards, together with each non-public and industry playing cards.
Similar: 6 issues to do whilst you get the Capital One Challenge X
Why you must follow for the Challenge X
The Challenge X supplies a number of advantages for widespread vacationers to revel in. Key perks come with:
- Anniversary bonus: The cardboard can pay 10,000 bonus miles for your account anniversary, beginning for your first anniversary. As of December 2025, TPG values the ones 10,000 miles at as much as $185 when applied with Capital One’s switch companions.
- Annual trip credit score: Cardholders will obtain a $300 annual credit score for bookings made via Capital One Commute.
- Licensed customers: Further approved customers will also be added at no price. Alternatively, starting Feb. 1, 2026, every approved person will price $125 yearly to retain Capital One and Precedence Move front room get admission to.
- International Access or TSA PreCheck: Cardholders obtain as much as $120 in observation credit for both TSA PreCheck or International Access.
- Living room get admission to: Cardholders, approved customers and as much as two visitors according to talk over with get complimentary get admission to to Capital One lounges and greater than 1,300 Precedence Move lounges till Feb. 1, 2026. After this date, you’ll be able to be required to pay for visitor get admission to to each sorts of lounges.
- Luxurious resort perks: The Capital One Premier Assortment gives loose breakfast, room upgrades and different perks at taking part lodges and inns. Cardholders too can get admission to Capital One’s lower-tier Way of life Assortment.
- Stacking automobile apartment perks: Cardholders can stack automobile apartment perks with Hertz.*
*Upon enrollment, obtainable during the Capital One site or cell app, eligible cardholders will stay at that standing degree during the period of the be offering. Please be aware, enrolling during the commonplace Hertz Gold Plus Rewards enrollment procedure (e.g. at Hertz.com) won’t mechanically stumble on a cardholder as being eligible for this system and cardholders is probably not mechanically upgraded to the appropriate standing tier. Further phrases follow.
On most sensible of those advantages, the Challenge X makes it simple to earn Capital One miles at aggressive charges:
- 10 miles according to buck spent on lodges and apartment vehicles booked via Capital One Commute
- 5 miles according to buck spent on flights and holiday leases booked via Capital One Commute
- 2 miles according to buck spent on all different purchases
If you happen to maximize the entire worth of simply two of the Challenge X’s annual perks — the $300 trip credit score and 10,000 bonus issues — you are going to successfully recoup your $395 annual rate. That is as a result of TPG’s December 2025 valuations position the bonus issues at $185. Whilst you upload the worth of the $300 credit score to this, you achieve a complete annual worth of $485.
Similar: Cashing in Capital One miles? The right way to get the utmost worth when redeeming miles
Final analysis
The Challenge X is offering 100,000 miles in its first increased be offering since release, which makes now a good time to use in case you are eligible for the bonus.
With the be offering expiring quickly, it would be best to follow now so you do not pass over out. The bonus ends on Jan. 5, 2026.
This card is usually a nice choice for lots of vacationers, and the cardboard will most probably change into extra compelling through the years as Capital One continues to spend money on its rewards program and increase its front room community.
To be told extra, learn our complete evaluate of the Challenge X.
Be told extra: Capital One Challenge X
For Capital One merchandise indexed in this web page, one of the crucial advantages could also be supplied through Visa® or Mastercard® and would possibly range through product. See the respective Information to Advantages for main points, as phrases and exclusions follow.
