I have simply paid my 1/3 annual charge for the Capital One Mission X Rewards Credit score Card, and I did so with 0 hesitation.
The reason being easy: Yr after 12 months, this card necessarily will pay me to stay it open, and I pop out forward.
This is why this card has been one of the vital rewarding I have ever held — lengthy after the joy of the first-year welcome bonus wore off — and why I plan to stay it for years yet to come.
Comparable: Capital One Mission Rewards vs. Capital One Mission X: Price the additional $300?
Why I am satisfied to pay the yearly charge once more
Whilst the $395 annual charge at the Mission X isn’t insignificant, it’s less than the yearly charge of maximum competition’ top class playing cards.
In my 2nd 12 months, I applied the cardboard’s advantages to download just about $800 in price from a Caribbean wintry weather getaway to the pretty, sunny island of Grenada, together with my prices for TSA PreCheck and World Access, which I am loving as they proceed to avoid wasting me a vital period of time each time I go via a U.S. airport.
Listed below are the advantages I price in my 1/3 12 months of card club:
- Annual credit score: $300 in credit each and every cardmember 12 months for bookings made throughout the Capital One Commute portal.
- Anniversary bonus: 10,000 bonus miles each account anniversary (beginning on my first anniversary), value $185 by means of TPG’s December 2025 valuations.
- Front room get right of entry to: Complimentary get right of entry to for myself plus as much as two visitors to Capital One Lounges and over 1,800 Precedence Cross lounges. Sadly, visitor front room get right of entry to might be tightened in 2026.
- Spectacular portal incomes charges: I earn 10 miles in step with greenback spent on resorts and automotive leases, and 5 miles in step with greenback spent on holiday leases and flights booked by means of Capital One Commute.
- Terrific on a regular basis incomes charges: I earn 2 miles in step with greenback spent on all different purchases.
Praise your inbox with the TPG Day by day e-newsletter
Sign up for over 700,000 readers for breaking information, in-depth guides and unique offers from TPG’s mavens
The $300 Capital One Commute credit score and 10,000 anniversary miles simply duvet the $395 annual charge for me each and every 12 months, so the living room get right of entry to and beneficiant incomes charges push me additional forward as I earn tens of hundreds of Capital One miles in this card over and above the anniversary bonus each and every 12 months.
Mission X is the default in my pockets
I’ve a whole lot of commute bank cards with other perks and incomes charges. It may be laborious making an attempt to keep in mind which card earns bonus rewards each time I wish to pay for one thing, particularly if there is a line of other people at the back of me in a hectic cafe or bar.
My Mission X card earns 2 miles in step with greenback spent on all purchases, which is upper than another card I personal, together with the preferred Chase Sapphire Most well-liked® Card (see charges and costs). That is why I have set it because the default card in my Google Pay app.
My husband is a certified consumer on all of my playing cards, and whilst he loves the advantages of redeeming issues and miles, like snagging an award seat in Qatar Airlines’ Qsuite trade magnificence, he is not just about as obsessive about bank cards as I’m.
It is not logical for him to memorize incomes charges throughout a couple of playing cards, so I have set him up with the Mission X card as his default card in Google Pay. This fashion, when unsure, he can merely faucet to pay and earn 2 miles in step with greenback spent.
How I am maximizing my Mission X as a third-year cardholder
In 2026, I’m making plans a excursion of the Kentucky Bourbon Path.
I will use the $300 commute credit score from my Mission X to cut back the resort prices in Lexington, the place the excursions go away from. As I will be staying a number of nights, the full lodging prices will most probably exceed $300. Alternatively, for any out-of-pocket resort prices over that quantity, I will earn 10 miles in step with greenback spent by means of reserving my keep throughout the Capital One Commute portal.
I will fly into Cincinnati/Northern Kentucky World Airport (CVG) on British Airlines from London, so I will be able to use the ten,000 anniversary miles (in addition to tens of hundreds of miles I have earned at the card within the ultimate 12 months) to pay for the flights by means of shifting them to the British Airlines Membership program at a 1:1 ratio.
For the reason that I will want a automotive to power from Cincinnati to Lexington, I will guide this via Capital One Commute as neatly, each to earn 10 miles in step with greenback spent and to benefit from the integrated auto condo collision harm waiver, which I with a bit of luck may not wish to use.
Base line
My Mission X card keeps its position because the go-to card in my pockets as a result of its price outweighs the yearly charge.
And these days, new candidates can earn a best-ever welcome bonus of 100,000 bonus miles after spending $10,000 on purchases inside the first six months of account opening, so should you’ve ever regarded as including this card for your pockets, there is by no means been a greater time to observe now.
