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How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.
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Advertising Disclosure

LendingTree is an advertising-supported comparison service. The site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products. We are compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order).
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American Express Disclosure

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Capital One Venture Rewards Credit Card Review

LendingTree's Review

How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.
4.7
Capital One Venture Rewards Credit Card
Sign-Up Bonus
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
Rewards Rate
2 Miles per dollar on every purchase, every day; 5 Miles per dollar on hotels and rental cars booked through Capital One Travel
APR
19.99% - 29.99% (Variable) for purchases and balance transfers
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It was not reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

Who is the Capital One Venture Rewards Credit Card best for?

If you’re an occasional traveler, the Capital One Venture Rewards Credit Card provides a great opportunity to earn a solid rewards rate on every purchase without being tied to one specific airline or hotel loyalty program.

Along with flexible reward redemption options, the card offers a simple earning rate of 2 Miles per dollar on every purchase, every day; 5 Miles per dollar on hotels and rental cars booked through Capital One Travel.

While the Capital One Venture Rewards Credit Card does charge a $95 annual fee, benefits such as a Global Entry/TSA PreCheck credit can help make up for that amount each year.

That said, if you want to squeeze even more value from your credit card rewards, the Chase Sapphire Preferred® Card may be a better fit.

*To see rates & fees for Capital One Venture Rewards Credit Card, please click here.

Capital One Venture Rewards Credit Card overview

    • 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
    • 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
    • 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®
    • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
    • Enrich every hotel stay from the Lifestyle Collection with a suite of cardholder benefits, like a $50 experience credit, room upgrades, and more
    • Transfer your miles to your choice of 15+ travel loyalty programs
    • For Capital One products listed on this page, some of the benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
  • Recommended Credit
    Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
  • 660 720 850
    Good/Excellent
  • Travel accident insurance
  • Auto rental collision damage waiver
  • 24-hour travel assistance services
  • $0 fraud liability for unauthorized charges
  • Extended warranty
  • Foreign transaction fees: None

Intro Purchase APR

N/A

Regular Purchase APR

19.99% - 29.99% (Variable)

Intro BT APR

N/A

Regular BT APR

19.99% - 29.99% (Variable)

Annual Fee

$95

Cash Advance Fee

5% of the amount of the cash advance, but not less than $5

Foreign Transaction Fee

None

Balance Transfer Fee

Balance Transfer Fee applies to balances transferred at a promotional rate

*To see rates & fees for Capital One Venture Rewards Credit Card, please click here.

Pros and cons of the Capital One Venture Rewards Credit Card

Pros

  • Earn a generous sign-up bonus
  • Flexible rewards redemption options
  • Various travel transfer partners
  • Global Entry/TSA PreCheck credit

Cons

  • Modest rewards rate
  • $95 annual fee

What we like about the Capital One Venture Rewards Credit Card

  • Sign-up bonus

    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. The sign-up bonus will be applied to your rewards balance within two billing cycles of qualifying for it.

    Note, if you currently have or had a Capital One Venture Rewards Credit Card, you may not be eligible for this bonus.

  • Rewards redemption options

    You have a lot of flexibility when it comes to redeeming your Capital One Venture Rewards Credit Card miles. Along with using miles to book travel through Capital One Travel, miles can be used to cover past travel. Miles can also be redeemed for cash, checks, statement credits, gift cards, PayPal purchases, Amazon.com purchases or event tickets through Capital One Entertainment.

  • Travel transfer partners

    The Capital One Venture Rewards Credit Card is one of four Capital One credit cards that allows you to transfer the miles you earn to a number of travel loyalty programs.

    Transfers are done at a 1:1 rate with the following partners:

    • Aeromexico Club Premier
    • Aeroplan®
    • Asia Miles
    • Avianca LifeMiles
    • British Airways Executive Club
    • Choice Privileges®
    • Emirates Skywards
    • Etihad Guest
    • Finnair Plus
    • Flying Blue
    • Qantas Frequent Flyer
    • Singapore Airlines KrisFlyer
    • TAP Miles&Go
    • Turkish Airlines Miles&Smiles
    • Virgin Red

    Meanwhile, transfers to the following partners will require 2 Venture miles for 1 airline miles:

    • Accor Live Limitless (ALL)

    Finally, there’s a 2:1.5 transfer rate with this partner:

    • EVA Air Infinity MileageLands

    Although Capital One has no domestic airline partners, you can book domestic award flights using some of the loyalty programs above, depending on which airline alliance they’re in.

  • TSA PreCheck/Global Entry credit

    Every four years, receive a $100 statement credit to cover your Global Entry application or $85 to cover your TSA PreCheck application.

What to look out for with the Capital One Venture Rewards Credit Card

  • Rewards rate

    The Capital One Venture Rewards Credit Card offers 2 Miles per dollar on every purchase, every day; 5 Miles per dollar on hotels and rental cars booked through Capital One Travel. However, there are a number of credit cards that offer higher rewards rates in popular spending categories, like dining, gas and groceries.

  • Annual fee

    The Capital One Venture Rewards Credit Card charges an annual fee of $95.

    If you prefer a Capital One card with a $0 annual fee — and you don’t mind earning a lower rewards rate on general purchases, you may want to look at the Capital One VentureOne Rewards Credit Card.

    *To see rates & fees for Capital One Venture Rewards Credit Card, please click here.
    *To see rates & fees for Capital One VentureOne Rewards Credit Card, please click here.

Alternate travel card to the Capital One Venture Rewards Credit Card

Compare it to the Chase Sapphire Preferred® Card

| Disclosures
Chase Sapphire Preferred® Card
Chase Sapphire Preferred® Card
apply-now-icon Apply Now
on Chase's secure site
N/A
21.49%–28.49% variable
$95
Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x o
  • Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠.
  • Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 75,000 points are worth $937.50 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.
  • Member FDIC
720 850
Excellent

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.


If you want to get more value from your rewards to help offset the cost of future travel, the Chase Sapphire Preferred® Card may be a better option. That’s because points are worth 25% more when you redeem them for travel through Chase’s travel portal. Additionally, each account anniversary, cardholders earn bonus points equal to 10% of their total purchases make the previous year.

Cardholders earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠. Plus, enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.

In addition to redeeming points for travel, cash and gift cards, Chase Sapphire Preferred® Card cardholders can transfer points at a rate of 1:1 to 11 airline and three hotel loyalty programs.

Is the Capital One Venture Rewards Credit Card right for you?

When deciding whether to apply for the Capital One Venture Rewards Credit Card, it ultimately comes down to what’s most important to you in a credit card. If you want a card that makes it easy to earn and redeem rewards — and you don’t mind not having access to a lot of luxury travel perks — then the Capital One Venture Rewards Credit Card may be right for you. But if you want to get more value for the points you earn and have access to more benefits, the Chase Sapphire Preferred® Card may be a better fit.

apply-now-icon Apply Now
on Capital One's secure site
Rates & Fees
For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.