Capital One Venture X

The Capital One Venture X from Capital One offers a 75,000 miles sign-up bonus worth approximately $750. You need to spend $4,000 in 3 months, which requires planning but is achievable with regular expenses.

Beyond the sign-up bonus, the card earns 10x hotels via Capital One Travel, 5x flights via Capital One Travel on top of 2x on all purchases. Capital One Miles can be redeemed for travel, statement credits, or gift cards.

The $395 annual fee is offset by the card's perks and credits — evaluate which benefits you'd naturally use. The card requires excellent credit (750+).