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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.
Capital One Venture Rewards Credit Card
Great for: Unlimited travel rewards
On Capital One's Secure Website.
On Capital One's Secure Website.
Intro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
20.24% - 28.24% (Variable)
Rewards 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 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.
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.
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.
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.
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.
For its benefits, the card has a reasonable annual fee of $95.
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.
Have no fear of using your card internationally, as this is a no foreign transaction fee credit card.
Read more: Best Rewards Credit Cards
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Capital One Venture Rewards Credit Card | Chase Sapphire Preferred® Card | Chase Sapphire Reserve® |
Rating image, 4.50 out of 5 stars.
4.50 stars
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. |
Rating image, 4.50 out of 5 stars.
4.50 stars
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. |
Rating image, 4.50 out of 5 stars.
4.50 stars
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. |
Apply Now for Capital One Venture Rewards Credit Card
On Capital One's Secure Website. |
Apply Now for Chase Sapphire Preferred® Card
On Chase's Secure Website. |
Apply Now for Chase Sapphire Reserve®
On Chase's Secure Website. |
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Credit Rating Requirement:
Good/Excellent (670-850)
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)
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)
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: 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: 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: 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: 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: 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: 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: N/A Purchases: N/A Balance Transfers: N/A |
Intro APR: 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: N/A $95 |
Annual Fee: N/A $550 |
Highlights:
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Highlights:
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Highlights:
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Apply Now for Capital One Venture Rewards Credit Card
On Capital One's Secure Website. |
Apply Now for Chase Sapphire Preferred® Card
On Chase's Secure Website. |
Apply Now for Chase Sapphire Reserve®
On Chase's Secure Website. |
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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
Compare credit card rewards, fees, APRs, and more using our side-by-side comparison tool.
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.
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 |
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.
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:
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:
See more options: Best Capital One Credit Cards
Yes, the Capital One Venture Rewards Credit Card is a Visa. Specifically, it is a Visa Signature card, which is the middle of Visa's three card tiers.
The Capital One Venture Rewards Credit Card includes limited travel accident insurance when you pay for your travel expenses with your card. It does not provide travel interruption or cancellation coverage, baggage insurance, or trip delay coverage.
The minimum credit limit for the Capital One Venture Rewards Credit Card seems to be $5,000. The highest credit limit self-reported by a cardholder is $50,000, but that seems to be a rare outcome. Credit limits between $10,000 and $15,000 seem to be the most common.
Our Credit Cards Expert
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