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.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, vacation rentals 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.
Intro Purchase APR
N/A
Regular Purchase APR
19.99% - 29.74% (Variable)
Intro BT APR
N/A
Regular BT APR
19.99% - 29.74% (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
Sign-up bonus
Earn 75,000 Miles once you spend $4,000 on purchases within 3 months from account opening. 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:
Meanwhile, transfers to the following partners will require 2 Venture miles for 1 airline miles:
Finally, there’s a 2:1.5 transfer rate with this partner:
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 up to a $120 credit for Global Entry or TSA PreCheck®.
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, vacation rentals 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 (see rates & fees).
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 (see rates & fees).
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 made the previous year.
You can earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. 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.
| Credit Cards | Our Ratings | Welcome Offer | Rewards Rate | Annual Fee | |
|---|---|---|---|---|---|
Capital One Venture Rewards Credit Card
 Apply Now
on Capital One's secure site Rates & Fees |
75,000 Miles once you spend $4,000 on purchases within 3 months from account opening | 2 Miles per dollar on every purchase, every day; 5 Miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel | $95 |
Apply Now
on Capital One's secure site Rates & Fees |
|
Chase Sapphire Preferred® Card
Apply Now
on Chase's secure site |
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. | 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. | $95 |
Apply Now
on Chase's secure site |
|
Discover it® Miles*
|
Unlimited Mile-for-Mile match for all new cardmembers—only from Discover. Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. You could turn 35,000 Miles to 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match. | 1.5 Miles per dollar on all purchases. | $0 | ||
Capital One VentureOne Rewards Credit Card
Apply Now
on Capital One's secure site Rates & Fees |
Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel | 1.25 Miles per dollar on every purchase, every day; 5 Miles per dollar on hotels and rental cars booked through Capital One Travel | $0 |
Apply Now
on Capital One's secure site Rates & Fees |
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
For Capital One products listed on this page, some of the above benefits are provided by third parties such as Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as certain terms, conditions, and exclusions apply.
The information related to the Discover it® Miles has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
The content above is not provided by any issuer. Any opinions expressed are those of LendingTree alone and have not been reviewed, approved, or otherwise endorsed by any issuer. The offers and/or promotions mentioned above may have changed, expired, or are no longer available. Check the issuer's website for more details.
