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Capital One Venture Rewards Credit Card Review: Earn 2X Miles on Every Purchase, Everywhere

Review Updated
Ryan Wilcox
Author: Ryan Wilcox
Ryan Wilcox
Ryan Wilcox
Full-Time Personal Finance Writer

Ryan Wilcox is a full-time Personal Finance Writer at Motley Fool Money, covering credit cards, bank accounts, investing, auto insurance, and other personal finance topics. Ryan has been writing about credit cards and savings since 2022. Before joining Motley Fool Money, he was a full-time writer at The Points Guy, where he focused on maximizing credit card rewards and travel strategies. He holds a bachelor’s degree in English and American History from the University of North Carolina at Chapel Hill, where he also spent four years reporting for The Daily Tar Heel. With a background in both journalism and consumer finance, he brings a clear and thoughtful voice to money topics. Outside of work, Ryan is likely reading, writing, or updating his Letterboxd account.

See Full Bio

Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures that our product ratings are not influenced by compensation.

For me, one of the best things a credit card can offer is simplicity -- a straightforward path to earning rewards and saving on things you already buy. I don't like feeling like I need a PhD to get value out of a card.

In this regard, the Capital One Venture Rewards Credit Card (see rates and fees) definitely delivers. That's because in addition to other great earning rates, you'll get 2X miles on every purchase, everywhere -- no caps to worry about and no hoops to jump through. That's what I call simple, valuable rewards.

Here's what else to know about the Capital One Venture Card and why now's a great time to apply.

Capital One Venture Rewards Credit Card

Apply Now for Capital One Venture Rewards Credit Card

On Capital One's Secure Website.

Rates & Fees External Link Icon

Capital One Venture Rewards Credit Card
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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= Excellent
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= Fair
= Poor
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for Capital One Venture Rewards Credit Card

On Capital One's Secure Website.

Rates & Fees External Link Icon

Limited-time offer

Enjoy $250 to use on Capital One Travel in your first cardholder year, plus earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening - that’s worth up to $1,000 in travel.

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

19.49% - 28.49% (Variable)

Rewards Circle with letter I in it. Earn unlimited 2X miles on every purchase. Earn unlimited 5X miles on hotels, vacation rentals, and rental cars booked through Capital One Travel.

2X-5X miles

Annual Fee

$95

Welcome Offer Circle with letter I in it. Earn up to $1,000 towards travel once you spend $4,000 on purchases within the first 3 months of account opening

$250 Travel Credit + 75,000 Miles

  • This is one of our favorite credit cards — period. The huge limited-time $250 travel credit + 75,000-mile bonus (worth up to $1,000 towards travel) is one of the highest we’ve seen for a card with just a $95 annual fee. We love the dead-simple yet lucrative rewards structure: unlimited 2X miles on every purchase you make, plus 5X on hotels and rental cars booked through Capital One Travel, and up to a $120 credit for Global Entry or TSA PreCheck®.

    Miles are easier to redeem than most travel cards with options like statement credits, travel bookings, or point transfers. Add it all up and it’s easy to see why this is one of the best (and most popular) travel cards available today.

    • Excellent sign-up bonus
    • Unlimited miles on purchases
    • Travel credit
    • Multiple ways to use miles
    • No foreign transaction fee
    • Annual fee
    • No 0% intro APR offer
    • Low cash back redemption value
    • LIMITED-TIME OFFER: Enjoy $250 to use on Capital One Travel in your first cardholder year, plus earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening - that’s equal to $1,000 in travel
    • Earn unlimited 2X miles on every purchase, every day
    • Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
    • Miles won't expire for the life of the account and there's no limit to how many you can earn
    • Receive up to a $120 credit for Global Entry or TSA PreCheck®
    • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
    • Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection
    • Transfer your miles to your choice of 15+ travel loyalty programs
    • Top rated mobile app

We rate travel credit cards based on how well they reward frequent travelers — not just with points and miles, but with valuable perks and flexible redemption options. Our scoring prioritizes cards that offer strong earning rates and a rewarding travel experience.

Our highest-rated travel cards have:

  • Elevated rewards on travel or everyday purchases, with the ability to transfer points
  • Flexible redemption options through travel portals or transfer partners
  • Welcome bonuses that meaningfully offset the annual fee in the first year
  • Perks that improve the travel experience, like airport lounge access, statement credits, and trip protections

We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best travel card recommendations. Our aim is to maintain a balanced best-of list featuring top-scoring travel credit cards from reputable brands. 'Best for' category selections on this page are determined by our editors, and a single card may be recognized in multiple categories.

Ordering within lists is influenced by advertiser compensation, including featured placements at the top of a given list, but our product recommendations are NEVER influenced by advertisers. Learn more about how Motley Fool Money rates credit cards.

We rate travel credit cards based on how well they reward frequent travelers — not just with points and miles, but with valuable perks and flexible redemption options. Our scoring prioritizes cards that offer strong earning rates and a rewarding travel experience.

Our highest-rated travel cards have:

  • Elevated rewards on travel or everyday purchases, with the ability to transfer points
  • Flexible redemption options through travel portals or transfer partners
  • Welcome bonuses that meaningfully offset the annual fee in the first year
  • Perks that improve the travel experience, like airport lounge access, statement credits, and trip protections

We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best travel card recommendations. Our aim is to maintain a balanced best-of list featuring top-scoring travel credit cards from reputable brands. 'Best for' category selections on this page are determined by our editors, and a single card may be recognized in multiple categories.

Ordering within lists is influenced by advertiser compensation, including featured placements at the top of a given list, but our product recommendations are NEVER influenced by advertisers. Learn more about how Motley Fool Money rates credit cards.

Who should consider the Capital One Venture Card?

This credit card is perfect for people who love to travel -- but generally spend money on everyday, non-travel expenses like groceries, utilities, and online shopping. Where most travel cards earn extra miles on exciting purchases like hotels, airfare, and dining, this card earns 2X miles on every purchase (even the boring ones).

What I like about the Capital One Venture Card

2X miles on every purchase -- even the boring stuff

I love this card because it rewards all kinds of everyday spending. Plenty of cards promise big rewards for flights, but let's be real: You're at the grocery store far more often than the airport!

As mentioned, the Capital One Venture Rewards Credit Card earns double miles on everything, from Oreos to Hamilton tickets to copays at the doctor's office. That's what I call versatile rewards.

5X miles on hotels, vacation rentals, and rental cars booked through Capital One Travel

With this card, you can earn 5X miles on hotels, vacation rentals, and rental cars booked through Capital One Travel. That's on par with the best travel cards we've seen, and you'll get it for just a $95 annual fee (see rates and fees).

Get up to a $120 credit for Global Entry or TSA PreCheck®

A lot of travel cards offer this benefit. But not a lot of travel cards in the Capital One Venture Rewards Credit Card's price range do.

With this card, you'll get up to $120 every four years to cover the cost of either Global Entry or TSA PreCheck® application fees. This perk makes the Capital One Venture Card unique among its kind.

Use miles to cover any travel purchase

With Capital One, you can book travel directly with any airline, hotel, or other travel carrier, and pay for it with Capital One miles.

Here are a few travel expenses you could pay for in miles with Capital One:

  • A night at a haunted bed and breakfast
  • A foodie walking tour advertised on Viator, Airbnb, or another travel site
  • A train ticket, so you can travel between cities in style

Capital One gives you incredible flexibility in how you spend your miles, allowing you to plan your trip without worrying about travel partners, portals, or conversion ratios.

TIP

Other ways to redeem miles

You can also transfer miles to airlines or book travel using the Capital One portal seamlessly. Those options are both incredibly easy -- but they have limited selection when it comes to flights, stays, and more.

For more information on redeeming Capital One miles, head to our guide: How to Redeem Capital One Miles

Fantastic welcome bonus

Enjoy a $250 Travel Credit + 75,000 Miles. You earn the miles once you spend $4,000 in the first 3 months after opening this card. The additional amount represents a one-time travel credit to use in your first cardholder year on Capital One Travel. As far as credit card welcome bonuses go, this is a pretty solid one.

Credit card comparison

We recommend comparing options to ensure the card you're selecting is the best fit for you. To make your search easier, here's a short list of standout credit cards.

Offer Our Rating Welcome Offer Rewards Program APR Learn More
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Best for cash back on rotating categories 		Discover will match all the cash back you’ve earned at the end of your first year. Circle with letter I in it. INTRO OFFER: Unlimited Cashback Match for all new cardmembers. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300. 1% - 5% Cashback Circle with letter I in it. Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.

Intro:

Purchases: 0%, 15 months

Balance Transfers: 0%, 15 months

Regular: 17.49% - 26.49% Variable APR

Apply Now for Discover it® Cash Back

On Discover's Secure Website.

Rates & Fees External Link Icon

5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Best for long 0% intro APR 		N/A N/A

Intro: Circle with letter I in it. 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers

Purchases: 0% intro APR for 21 months from account opening on purchases

Balance Transfers: 0% intro APR for 21 months from account opening on qualifying balance transfers

Regular: 17.49%, 23.99%, or 28.24% Variable APR

Apply Now for Wells Fargo Reflect® Card

On Wells Fargo's Secure Website.

Rates & Fees External Link Icon

4.70/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Best for unlimited rewards on purchases 		25,000 points (worth $250) Circle with letter I in it. 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases 1.5-3 points per dollar Circle with letter I in it. Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees, and your points don't expire as long as your account remains open. Earn 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center.

Intro: Circle with letter I in it. 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 17.49% - 27.49% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%. Balance transfers may not be used to pay any account provided by Bank of America.

Purchases: 0% Intro APR for 15 billing cycles for purchases

Balance Transfers: 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days

Regular: 17.49% - 27.49% (Variable)

Apply Now for Bank of America® Travel Rewards credit card

On Bank of America's Secure Website.

Downsides you should consider

Double miles on airfare (but not more)

While some cards offer 5X or more on flights, this card only offers 2X miles. That might not bother you if you prefer to pay for flights in miles, not cash. On the other hand, if you're a frequent flyer laser-focused on airline rewards, you might want to explore airline credit cards or other travel cards.

No airport lounge access

While many travel cards throw in complimentary airport lounge access as a perk, the Capital One Venture Rewards Credit Card skips it entirely. If that matters to you, you'll probably want to look elsewhere.

This card's premium sibling, the Capital One Venture X Rewards Credit Card offers lounge access. However, its annual fee is much higher, at $395 (see rates and fees).

Is it worth the annual fee?

Yes, absolutely.

Your double miles will definitely add up over the course of a year -- probably enough to cover the $95 annual fee (see rates and fees). Add that to the generous welcome bonus and you have a card that can easily fuel your next trip to Paris, Berlin, or whatever city is calling your name.

How to apply for the Capital One Venture Card

Applying for a Capital One credit card is a breeze. The application takes just a couple clicks for existing Capital One banking customers -- but even if you don't currently have an account with Capital One, the process is simple. You'll just need to give them some basic info, like your name, address, and income.

Your approval could be instant; some people may not hear back for a few days while Capital One verifies their identity and information. If you're approved, Capital One will give you access to a virtual card while you wait for your physical copy to arrive in the mail.

Final thoughts

The Capital One Venture Rewards Credit Card lets you earn double miles every day, on all your spending. You don't have to juggle five different rewards cards or think about bonus categories -- just live your life, and watch the miles quietly accumulate in your account.

If you're looking for a low-effort travel card with big rewards, the Capital One Venture Rewards Credit Card is definitely one of the best credit cards to consider. (See rates and fees.)

Click here to apply for the Capital One Venture Rewards Credit Card on Capital One's website.

FAQs

  • Yes. Just charge the Delta flight to your Capital One card, then submit to Capital One for reimbursement within 90 days. Capital One will give you a statement credit in the amount of your flight and deduct the corresponding miles from your account.

  • This card is good for people who like to travel, but spend most of their budget on everyday expenses. It doesn't have bonus categories for airfare or dining, but it earns 2X miles on every purchase -- even boring categories, like groceries -- and 5X miles on hotels, vacation rentals, and rental cars booked through Capital One Travel.