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Capital One® Venture® Rewards Credit Card

Capital One® Venture® Rewards Credit Card

 

Rated 4.5/5 stars by our editorial team

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Your Rating:

3.7/5.0 from 1,470 Offer Ratings
Over the Past 60 Days!

(1,470 ) Over the Past 60 Days!

  • Regular Purchase APR 14.49% - 24.49% (Variable)
  • Intro Purchase APR N/A
  • Intro BT APR N/A
  • Annual Fee $0 intro for first year; $95 after that
  • Credit Needed

    Excellent/Good

  • Card Brand Visa®

Highlights

Card Fees

Expert Review of the Capital One® Venture® Rewards Credit Card

  • 4.0

    Regular APR

  • 2.5

    Intro APR

  • 4.0

    Fees

  • 5.0

    Benefits

  • star rating 4.5 /5

    Overall Rating

Who the card is best for

The Capital One® Venture® Rewards Credit Card is best suited for people who spend over $12,668 a year or more. Here’s why: when you hit $4,750 a year, you will recoup the annual fee. Then, once you spend $12,668, you will have earned 15,836 miles. This number is significant because it surpasses the 15,835 miles you would earn if you had the Capital One® VentureOne® Rewards Credit Card. Those who spend less than $12,668 a year may be better of with the Capital One® VentureOne® Rewards Credit Card.

The foreign transaction fee is none, so those who travel abroad don’t have to worry about the typical 2 - 5 percent fee other cards charge.

Where this card stands out in its category

This card has a great rewards rate: 2 Miles per dollar on every purchase, every day. This is the highest flat-rate rewards for a travel card in the CompareCards database. Some other travel cards only offer a high rate on select purchases like travel or dining, but not the Capital One® Venture® Rewards Credit Card — you earn 2 Miles per dollar on every purchase, every day.

Where this card falls short in its category

This card does have an annual fee of $0 intro for first year; $95 after that. And although this is one of the lowest fees for travel rewards cards, you can find cards with no fee like the Bank of America® Travel Rewards Credit Card — but be aware the rewards rate may be lower. There is also no 0% intro period, which is typical of travel rewards cards, but there are cards in the market that offer intro periods such as the Discover it® Miles with 0% for 14 Months on purchases and 10.99% for 14 Months on balance transfers.

Additional card benefits

The Capital One® Venture® Rewards Credit Card offers numerous additional card benefits since it is a Visa Signature® card:

  • Visa Signature® Concierge: Access to 24/7 representatives available to assist you with a variety of concerns and requests such as finding tickets and booking travel, whether you’re at home or traveling.*
  • Visa Signature® Luxury Hotel Collection: With over 900 properties, the Visa Signature® Luxury Hotel Collection offers access to premium benefits.*
  • Fine Wine & Food: You can attend special dining and wine experiences, receive discounts or complimentary wine tastings at select places.*
  • Lost luggage reimbursement: Your checked or carry-on luggage is covered up to $3,000 if lost or stolen.*
  • Travel accident insurance: You can receive coverage for select accidents when you pay for your travel with your card.*
  • Travel and Emergency Assistance Services: Representatives are available to assist you with finding medical, legal, and travel services.*
  • Roadside Dispatch®: Don’t worry if you get a flat or need a jump, towing and locksmith referral services are available 24/7 in the U.S. and Canada.*

* Certain restrictions, limitations, and exclusions apply

How to use it most effectively

Use this card for all spending to enjoy the great rewards rate — 2 Miles per dollar on every purchase, every day. This allows you to accumulate miles quicker, and as a result be closer to paying for travel with your miles. When traveling abroad, this is a good card to use since the foreign transaction fee is none. To increase your miles early on, fulfill the requirements of the New Cardmember Offer: one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel.

Rewards breakdown

The Capital One® Venture® Rewards Credit Card allows you to earn 2 Miles per dollar on every purchase, every day. Miles can be redeemed as a statement credit towards the cost of travel expenses via Purchase Eraser®, to book new travel on the Rewards Center, or for a check, account credit, gift card and more. Travel purchases eligible for Purchase Eraser® include: airlines, hotels, rail lines, car rental agencies, limousine services, bus lines, cruise lines, taxi cabs, travel agents and time shares. Be aware that redemptions must be made within 90 days from the date your travel purchase posts to your account. There is a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel.

Compare it with the Capital One® VentureOne® Rewards Credit Card

Capital One offers two similar cards: the Capital One® Venture® Rewards Credit Card and the Capital One® VentureOne® Rewards Credit Card. These cards share more than a similar name, they both are great for traveling abroad and offer the same Visa Signature® perks. However, they differ in rewards rate and annual fee.

If you want to avoid an annual fee, the Capital One® Venture® Rewards Credit Card is a better choice with an annual fee of $0 intro for first year; $95 after that. This is compared to the Capital One® VentureOne® Rewards Credit Card with a $0 annual fee.

Keep in mind that while the Capital One® VentureOne® Rewards Credit Card has a $0 annual fee, you earn less miles per dollar than the Capital One® Venture® Rewards Credit Card. This is a good point to consider when deciding which card to apply for. If you spend $12,668 or more a year, you will be better with the Capital One® Venture® Rewards Credit Card because this is where it starts to earn more miles than the Capital One® VentureOne® Rewards Credit Card — this number factors in the annual fee charged after year one. Here’s a breakdown of the key features of each card:

  Capital One® Venture® Rewards Credit Card Capital One® VentureOne® Rewards Credit Card
Annual Fee $0 intro for first year; $95 after that $0
Purchase Intro Rate N/A 0% intro on purchases for 12 months
Balance Transfer Intro Rate N/A N/A
Balance Transfer Fee $0 $0
Regular Purchase APR 14.49% - 24.49% (Variable) 13.49% - 23.49% (Variable)
Rewards 2 Miles per dollar on every purchase, every day 1.25 Miles per dollar on every purchase, every day
New Cardmember Offer One-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel One-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months of account opening, equal to $200 in travel
Foreign Transaction Fee None None

Bottom Line

The Capital One® Venture® Rewards Credit Card is a great choice for travelers who spend more than $12,668 a year. This card will earn you the highest flat-rate on the market and you can benefit from Visa Signature® perks.

Ongoing Information

Consumer Reviews

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Offer Rating

3.7/5.0

1,470 Total Ratings

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Your Rating

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+1424 users submitted a rating without a full review

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1 Found this review helpful

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By: | Apr 21, 2018

The best card ever they watch and protect their customers if you have questions or need service they are the there. The yearly fee worth every penny. I Travel a lot if you do then this is the card to use and the benefits are great.

1 Found this review helpful

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By: | Apr 21, 2018

Very nice card to have. Awesome for traveling!

46 Found this review helpful

By: | Feb 22, 2018

I have used this card for years. It is very easy to redeem points for travel and getting 2 miles for every dollar spent allows quick reward. The only thing that keeps it from a 5 star rating for me is the annual $95 fee that some other cards do not charge.

32 Found this review helpful

By: | Jan 4, 2018

I found Capital One easy to reach and work with. Great customer service that is really helpful!

1 Reply

By: Mathew Maio | Apr 21, 2018

thank you for your comment

51 Found this review helpful

By: | Jan 3, 2018

I have this card and the miles rack up fast. Used it in Europe and Asia no problem. If suspicious transactions are made, you are notified immediately. You can redeem miles in several ways. Only thing I don't like is the amount for annual fee.

146 Found this review helpful

By: | Nov 30, 2017

It's a good card, don't get me wrong. I've had this card for 3 years or so and I have used the miles earned to travel to see my family in Florida every year. I pay off the balance every month so I don't pay attention to interest at all. Bummer is with my excellent credit, using about $5000/mo on this card, paying it off every month... there are ZERO additional bonuses after the first initial one. ZERO, ZIP, NADA. I feel like I should get additional rewards and bonuses considering I've spent nearly $250,000 with them. I'm currently looking for another card that rewards great customers like me.

2 Replies

By: Jenn McConnell Traylor | Dec 18, 2017

Curious if you have compared this to an airline specific card. I’m wondering if the $100 in waived checked bag fees between my husband and my self is worth switching. Our airline card is 2x miles on airline purchases and 1x in everything Else. This card is 2x on everything. Thoughts?

By: Violet Z. Schmid | Mar 1, 2018

I would use the one that gives you the 2 points per $1 spent. You can pay the airlines baggage fees with it, and still rack up more miles fast!

32 Found this review helpful

By: | Nov 26, 2017

Great Card, Amazing Customer Service, Great Rewards!!!!

114 Found this review helpful

By: | Oct 18, 2017

This card works for cheaper, within the US travel. Or if you never fly business class. But for comfortable overseas travel it's cumbersome.The model works like this...you price the flight you want on the open market, and add two zeros to the end to get the amount of mileage points required for the "free" travel.

27 Found this review helpful

By: | Oct 3, 2017

very good card. going to help us. good service.

46 Found this review helpful

By: | Sep 24, 2017

I applied for this card have 2 other Capital one credit cards and came back and got a $30,000 credit line my credit scores are in the mid 700s wonderful card so far

1 Reply

By: Mike Elias | Jan 4, 2018

great credit score. good information.

20 Found this review helpful

By: | Sep 13, 2017

I Like this one thanks

68 Found this review helpful

By: | Aug 7, 2017

I have this card for several years now. Love it. I think I redeemed roughly 6k from travel over the years. Excellent fraud protection too. They FedEx a replacement card for me overnight. I just wish they bring back the old reward program where you can earn points from checking/saving accounts and able to combine points from other capital one accounts

71 Found this review helpful

By: | Apr 28, 2017

So far I am very satisfied with the service and explanation they provide, for any question you ask.

86 Found this review helpful

By: | Apr 19, 2017

Excellent card! Great customer services, excellent fraud alert services.

127 Found this review helpful

By: | Apr 18, 2017

Love this card have had it for 6 mos so far pay it off every month. enough miles for Europe and back and a couple jaunts to the Caribbean too. You won't be disappointed Just pay off each month. Best card ever!!Way to go Capital One!

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