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Capital One Venture Card Review: Among the Top Travel Cards You'll Find

Refreshed Review Updated Dec. 29, 2022
Elizabeth Aldrich
By: Elizabeth Aldrich

Our Credit Cards Expert

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 our experts’ opinions aren’t influenced by compensation. Terms may apply to offers listed on this page.

The Capital One Venture Rewards Credit Card is a rare pick among travel rewards credit cards that has it all -- a big sign-up bonus, a high rewards rate, a low annual fee, and travel perks you can actually use. To top it off, redeeming Venture® miles is as simple as it gets. If you've been searching for a travel card, this Capital One Venture Rewards Credit Card review covers if it's the right fit for you.

Great for: Unlimited travel rewards

Rating image, 4.50 out of 5 stars.
4.50 stars
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:
Good/Excellent (670-850) 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.

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

20.24% - 28.24% (Variable)

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

2x - 5x miles

Annual Fee

$95

Welcome Offer Circle with letter I in it. 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel

75,000 miles

  • Unlimited 2X miles, TSA Pre✓® credits, and a big sign-up bonus make this credit card one of the best travel companions.

    • 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
    • Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
    • Earn unlimited 2X miles on every purchase, every day
    • 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 $100 credit for Global Entry or TSA PreCheck®
    • Enjoy two complimentary visits per year to Capital One Lounges or to 100+ Plaza Premium Lounges through our Partner Lounge Network
    • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
    • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
    • Transfer your miles to your choice of 15+ travel loyalty programs

Full Capital One Venture Card review

This credit card is a good fit for: Travelers who want an easy-to-use rewards card with the potential to earn lots of miles.

Top perks

75,000 bonus miles

You'll earn 75,000 miles when you spend $4,000 in the first three months of account opening. That's equal to $750 in travel.

Unlimited 2 miles per $1

You won't find a travel rewards card earning more than this on purchases. There's no need to pay attention to bonus categories, as you'll earn a high rewards rate whenever you use it.

Fixed-rate redemptions

Venture® miles are always worth $0.01 per mile toward travel expenses, so you can simply redeem your miles without worrying about what kind of value you're getting. The redemption process itself is a breeze, and the best option is applying your miles as a statement credit toward previous travel purchases. By the way, Capital One classifies many types of transactions as travel, giving you ample opportunity to use your rewards.

$95 annual fee

For its benefits, the card has a reasonable annual fee of $95.

Up to $100 Global Entry/TSA Pre✓® credit

When you pay $100 for a Global Entry membership or $85 for a TSA Pre✓® membership, Capital One automatically credits you back. You can use this credit once every four years. Just so you know, a Global Entry membership also gets you a TSA Pre✓® membership, making it the easy choice.

No foreign transaction fee

Have no fear of using your card internationally, as this is a no foreign transaction fee credit card.

Alternatives to consider

  • If you want to earn more flexible travel points: The Chase Sapphire Preferred® Card is another popular travel credit card at this price point. It may have a slightly lower earn rate on some purchases, but its points are more valuable for some and it comes with a big sign-up bonus. The Ultimate Rewards® points you'll earn with this card are each worth $0.0125 redeemed through Chase, and you can potentially get even more value if you transfer them to a long list of airline and hotel partners.
  • If you want a premium travel credit card: If you travel often, it's also worth considering the Chase Sapphire Reserve®. While the annual fee is steep, frequent travelers can easily recoup it, given the card's long list of luxury perks and extensive benefits. Aside from premium travel and dining rewards, you'll also get complimentary airport lounge access, generous annual travel credits, travel insurance, and more.

Read more: Best Rewards Credit Cards

As of Jan. 24, 2023
Image for
Image for
Image for
Capital One Venture Rewards Credit Card Chase Sapphire Preferred® Card Chase Sapphire Reserve®
Rating image, 4.50 out of 5 stars.
4.50 stars
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
Rating image, 4.50 out of 5 stars.
4.50 stars
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
Rating image, 4.50 out of 5 stars.
4.50 stars
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
Apply Now for Chase Sapphire Reserve®

On Chase's Secure Website.

Credit Rating Requirement:

Good/Excellent (670-850) 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.

Credit Rating Requirement:

Good/Excellent (670-850) 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.

Credit Rating Requirement:

Good/Excellent (670-850) 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.

Welcome Offer: Circle with letter I in it. 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel

75,000 miles

Welcome Offer: Circle with letter I in it. Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.

60,000 bonus points

Welcome Offer: Circle with letter I in it. Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®

60,000 bonus points

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

2x - 5x miles

Rewards Program: Circle with letter I in it. Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.

1x - 5x points

Rewards Program: Circle with letter I in it. Earn 5x total points on air travel and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases

1x - 10x points

Intro APR:

Purchases: N/A

Balance Transfers: N/A

Intro APR: Circle with letter I in it. N/A

Purchases: N/A

Balance Transfers: N/A

Intro APR: Circle with letter I in it. N/A

Purchases: N/A

Balance Transfers: N/A

Regular APR:

20.24% - 28.24% (Variable)

Regular APR:

20.24% - 27.24% Variable

Regular APR:

21.24% - 28.24% Variable

Annual Fee:

$95

Annual Fee: Circle with letter I in it. N/A

$95

Annual Fee: Circle with letter I in it. N/A

$550

Highlights:

  • Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
  • Earn unlimited 2X miles on every purchase, every day
  • 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 $100 credit for Global Entry or TSA PreCheck®
  • Enjoy two complimentary visits per year to Capital One Lounges or to 100+ Plaza Premium Lounges through our Partner Lounge Network
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Transfer your miles to your choice of 15+ travel loyalty programs

Highlights:

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
  • Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.

Highlights:

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $900 toward travel
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
Apply Now for Chase Sapphire Reserve®

On Chase's Secure Website.

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What could be improved

Cash back redemption value

For cash back, this isn't the card to choose, because you'll get a low value for your miles ($0.005 per mile, although Capital One has reserved the right to change that at any time). That's to be expected, because this is a travel rewards card. But it's still important to know about.

Learn more: Best Cash Back Credit Cards

Find the best credit card for your needs

Compare credit card rewards, fees, APRs, and more using our side-by-side comparison tool.

Suggested credit score

Aim to have a FICO® Score of 670 or higher when you apply for the Capital One Venture Rewards Credit Card. Our recommended range is 700 to 750.

If your credit score isn't quite there yet, the Capital One VentureOne Rewards Credit Card is an excellent alternative that's intended for applicants with lower scores.

Is the annual fee worth it?

If you spend at least $4,750 per year, which is about $395.83 per month, the Capital One Venture Rewards Credit Card is worth the annual fee.

At 2 miles per $1 spent, $4,750 in spending will earn you 9,500 miles. At a value of $0.01-per-mile, 9,500 miles is worth $95, the same amount as the annual fee. Don't forget that your card will also pay your Global Entry/TSA TSA Pre✓® fee every four to five years (memberships last five years, but you can renew after four).

Those are exact numbers, but let's also look at two more general scenarios to demonstrate when this card would and wouldn't be worth the annual fee.

Credit Card Use Typical Spending Miles Earned Per Year Miles Value Minus Annual Fee
Frequent $2,000 per month, $24,000 per year 48,000, $480 value $385
Occasional $250 per month, $3,000 per year 6,000, $60 value -$35
Source: Author's calculations

When you're putting most of your usual expenses on your credit card, the rewards you earn with the Capital One Venture Rewards Credit Card will be much greater than the annual fee. But if you're the type of person who uses your credit card only every now and then, you should get a travel card with no annual fee instead.

Remember that the card also has an excellent value in the first year. With a big sign-up bonus and the Global Entry/TSA TSA Pre✓® credit worth up to $100, you'll come out well ahead after the annual fee, plus the miles you earn through your regular spending.

The Capital One Venture Card is right for you if:

As long as there's an open space in your wallet, you can probably benefit from the Capital One Venture Rewards Credit Card . It's an especially good match if any of the following are true:

  • You want a card you can use for all your spending while earning a high rewards rate.
  • You prefer the simplicity of fixed-rate redemptions with a set value for your miles.
  • You want a card that with an annual fee less than $100 per year.

Another positive about this card is that it works just as well as a companion card that you use in conjunction with other credit cards. Here's how this can enhance your travel rewards:

  • You can use cards with higher bonus rewards rates in specific spending categories, and then use the Capital One Venture Rewards Credit Card for 2 miles per $1 on your other expenses.
  • You can use your Venture® miles to cover travel expenses that you can't book with your other travel rewards, such as vacation rentals, train tickets, or rental cars.

See more options: Best Capital One Credit Cards

FAQs

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