Advertiser Disclosure

Capital One Venture Rewards Credit Card

Learn More
Rates and Fees

Annual Fee: $95

Bonus Miles
Bonus Miles
75,000
Recommended Credit
670 - 850
Current Offer

Earn 75,000 miles once you spend $4,000 on purchases within the first 3 months of account opening.

✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool
75,000
Bonus Miles

Earn 75,000 miles once you spend $4,000 on purchases within the first 3 months of account opening.

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by products. See the respective Guide to Benefits for details, as terms and exclusions apply.

Summary

Capital One Rewards allow users to book travel or cover travel booked in the previous 90 days for one cent per mile. That means this card would cover over $750 on travel, even retroactively! Capital One miles can also be transferred to a number of airline programs at a ratio of 1:1, allowing for true flexibility in booking the best reward flights.

Earning Rewards

[.redeem] 5x [.redeem]per $1 on hotels, vacation rentals, and rental cars booked through Capital One Travel

[.redeem] 2x [.redeem]per $1 on everyday purchases

Additional Benefits

  • Up to a $120 credit for Global Entry or TSA PreCheck®
  • Two complimentary visits per year to Capital One and Plaza Premium Lounges (through Dec. 31, 2024)
  • Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection

And, your miles don't expire as long as your account is open.

Foreign Transaction Fee

  • None

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by products. See the respective Guide to Benefits for details, as terms and exclusions apply.

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Chase Sapphire Preferred® Card

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🏆 Daily Drop's Most Popular Card

$300 Travel Credit + 60,000
Bonus Points
OFFER ENDING SOON
Get up to $1,050 in Chase Travel℠ value. Earn 60,000 bonus points after $4,000 in purchases in your first 3 months from account opening. That’s worth $750 when redeemed through Chase Travel. Plus, get up to $300 in statement credits on Chase Travel purchases within your first year.
$300 Travel Credit + 60,000
Bonus Points
Get up to $1,050 in Chase Travel℠ value. Earn 60,000 bonus points after $4,000 in purchases in your first 3 months from account opening. That’s worth $750 when redeemed through Chase Travel. Plus, get up to $300 in statement credits on Chase Travel purchases within your first year.
The Chase Sapphire Preferred card is a popular travel rewards credit card known for its excellent earning potential—we love it at Daily Drop! Cardholders can redeem their points for travel through the Chase Ultimate Rewards portal or transfer them to various airline and hotel loyalty programs for added flexibility.
✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool

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American Express® Gold Card

American Express® Gold Card

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60,000
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Earn 60,000 Membership Rewards® points after you spend $6,000 on your new Card in your first 6 months of Card Membership.
60,000
Bonus Points
Earn 60,000 Membership Rewards® points after you spend $6,000 on your new Card in your first 6 months of Card Membership.
The American Express Gold Card is a premium card that offers lucrative rewards for dining at U.S. restaurants and U.S. supermarkets, along with valuable travel benefits, making it an excellent choice for foodies and frequent travelers. While it does come with an annual fee, the card's combination of rewards and perks can provide substantial value to those who frequently dine out and travel.
✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool
Capital One Spark Miles for Business

Capital One Spark Miles for Business

Capital One Spark Miles for Business

50,000
Bonus Miles
Earn 50,000 bonus miles once you spend $4,500 in the first 3 months.
50,000
Bonus Miles
Earn 50,000 bonus miles once you spend $4,500 in the first 3 months.
The Capital One Spark Miles for Business credit card is a travel-focused business card that offers flexible miles-earning options and valuable travel benefits, making it an ideal choice for businesses with a focus on frequent travel and rewards.
✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool

Capital One Venture Rewards Credit Card

CURRENT OFFER

75,000

Bonus Miles

Earn 75,000 miles once you spend $4,000 on purchases within the first 3 months of account opening.

✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool
REWARDS RATE
2-5x Miles
ANNUAL FEE
$95
Our Score
91
Annual fee (20%)
8
Welcome Offer (20%)
8
Point Redemption Value (20%)
9
Rewards Rates (15%)
8
Benefits (15%)
8
Travel Protections (10%)
7
Our Mission
Our Methodology

My Take

The Venture card is great for so many reasons, and could easily be a one-card wallet solution. I recently signed up for this card and couldn't be happier with the benefits. Not only does it earn 2x points on any purchases, but it has a low annual fee and a high welcome offer. But redeeming points is where this card shines, since you can use Capital One Miles to directly offset any travel purchases, even with third-party travel agencies like Expedia, etc. If you want to get extreme outsize value for your miles, Capital One still has a robust set of transfer partners to book luxurious first and business-class flights, too. Low annual fee, high earning rates, flexible redemption options; this card truly has it all!

And if video learning is more your style, Brendan gives a run-down of all the best features of this card👇

Comparable Cards

Chase Sapphire Preferred® Card

Annual Fee: $95

Rates & Fees
|
Terms Apply
WELCOME OFFER
$300 Travel Credit + 60,000
Bonus Points
OUR SCORE
91

American Express® Gold Card

Annual Fee: $325

Rates & Fees
|
Terms Apply
WELCOME OFFER
60,000
Bonus Points
OUR SCORE
86

Capital One Spark Miles for Business

Annual Fee: $95

Rates & Fees
|
Terms Apply
WELCOME OFFER
50,000
Bonus Miles
OUR SCORE
86
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

Pros & Cons

Pros

[.pro]You can pay for literally any travel with miles[.pro]

[.pro]Great welcome offer for a $95 annual fee card[.pro]

[.pro]Simplicity of at least 2x miles on all purchases[.pro]

Cons

[.con]This card does come with a $95 annual fee[.con]

Rewards Summary

[.redeem] 5x [.redeem]per $1 on hotels, vacation rentals, and rental cars booked through Capital One Travel

[.redeem] 2x [.redeem]per $1 on everyday purchases

Additional Benefits

  • Up to a $120 credit for Global Entry or TSA PreCheck®
  • Two complimentary visits per year to Capital One and Plaza Premium Lounges (through Dec. 31, 2024)
  • Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection

And, your miles don't expire as long as your account is open.

Customer Reviews & Redemptions

WRITE A REVIEW
Johnathan
26 Aug

The Capital One Venture has awesome perks including Global Entry, a huge signup bonus, and Lounge Access until the end of 2024. Plus the card is metal and looks beautiful! Would highly recommend.

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Victor B.
24 Aug

This card will almost always be in my credit card line up. Global Entry is a great perk, 2x on everything is great, and paired with the SavorOne, and your SUPER golden fir airline points. I have almost 170000 thanks to this card combo, most of it coming from the Venture Card. I would recommend.

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Jamie Williams
19 Aug

One of my favorite credit cards that pairs nicely with the Capital One Savor Card for extra reward points (Thanks to Daily Drop for mentioning this in a recent article!) - you get a nice sign-up bonus with a low annual fee. I've never faced any issues with Capital One; their customer service is exceptional, and their portal is user-friendly and easy to navigate. I adore Capital One's travel partners, arguably the best among the rest. You won't be disappointed - it's so simple to accumulate points!

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Carolyn Whiting
18 Aug

We love this card. We love going to Disneyland, and it has helped us with several free nights of hotel stays when we go. Too bad there aren’t hotel points for Disney tickets ha!

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Jenna
18 Aug

This card has benefited me so much in reimbursing me for my travel expenses. It's amazing how it all adds up!

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Bevo
18 Aug

I’ve been very pleased with this card. Easy to transfer points to EVA Air for first class award tickets to Thailand. Would have been 5 stars if Capital One hasn’t gotten rid of the 2 free lounge passes/yr.

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Maureen
17 Aug

We recently transferred points from our Venture card to KLM, during a 25% transfer bonus.  Before this trip, we used our $100 Global Entry refund and were able to breeze through customs on our way back to the US.  We love that we can transfer points to many different partners and if we find a good deal on a non-transfer partner (like AirBnB), we can use our Venture miles to cancel those purchases.  Benefits from our Venture have more than paid for the annual fee!

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Yevgeniya
17 Aug

I always was a cash back credit card person. And never saw any value with cards that have annual fee. Recently I started to explore transferrable point and miles. Thank you to your newsletters I opened my first Capital One Venture Card. Applied for global entry and already got the fee reimbursed. You have very valid and useful information. Thank you.

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Lisa Viles
17 Aug

So excited to see this card has great travel benefits! I can’t wait to start collecting my travel rewards!

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Aamir
17 Aug

I applied for the Capital One Venture as it had a very attractive sign up bonus.  Should be able to soon buy a return business class ticket to Tokyo for my wife.

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Emily Stuart
15 Aug

Before I got more into the points game, this was my very first card. Their app is very user friendly. I didn’t have to keep up with the earnings because it is 2x points on all purchases. I loved this card and have had it for years. I am only a hobbyist at the points game, I work full time and have two dogs so I don’t travel as much as I’d like. This was a great card for a beginner hobbyist.

KEEP READING
Abby Crooks
15 Aug

Loved working with C1 so might be time to level up!

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Daniel Stirling
15 Aug

This website spurred my imagination for travel and I booked my first trip to Asia! I am going to Singapore and the Phillipines! Thank you!

KEEP READING
Josh
15 Aug

So many benefits and fantastic customer service!  Im we have used it on all out trips and has been accepted everywhere we have travelled internationally!  The rewards have paid for flights, lodging, rentals cars and more.  Cap 1 even game me a credit when I got Global Entry…made it free!

KEEP READING
Jeanette
15 Aug

My husband and I both got in on the 75,000 point intro bonus and used it to book QSuites flights to the Maldives for our honeymoon! (Coming up early next year). Overall, I like the card, it has a nice low annual fee. I love that it comes with Pre check/Global Entry (GAME CHANGER for travel!) and I really like that you can reimburse yourself for travel using points. Good amount of transfer partners, although it would be nice if there were some more. My biggest qualm is that there aren't many multipliers and the ones there have I don't use. I have a Hilton Amex so I would rarely use Capital One for hotels and I much prefer Turo to rental cars. I wish they had a multiplier on other travel expenses like flights or car sharing services like Uber/Lyft.

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Jason Dunn
15 Aug

My experience with this card so far has not been great. First, while they approve you for it very quickly, it took two full weeks to get to me via mail and there was no option offered for a rush delivery. So, if you want this card in a hurry, you're out of luck. Then, when it finally arrived and I used it to pay some bills and I hit the $4K bonus level in one day, they security locked it.  OK, that's fine and not unexpected. It should be easy to unlock the card, right? Nope. In their app though you can't verify that transactions are legitimate - they just immediately lock the card. The problem got worse when they were unable to verify me via text messages (despite me giving them both my numbers), so I had to upload my ID documents and I'm currently waiting up to 10 business days for them to verify my identity and the card is locked. This may be a great card from a points earning perspective, but Capital One as a company has some truly terrible policies and 2015-era technology that means their customer service can't do anything to help you. On the plus side, the card is metal and looks nice.

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JoAnn Chang
15 Aug

This is our current goto card for purchases to take advantage of the x2 points for every purchase. Loving all the benefits it offers for the low annual fee. We got it this spring, before the latest improvement on the sub offer, and it was still the top card option for us.

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Nicole
15 Aug

I have gotten this recently.  With the $250 travel funds, 75K SUB, and ease of transfer, I think this is a great addition to my Chase/Amex cards.  2x on everything is the cherry on top.  Can't wait to redeem on Turkish - will report back!

KEEP READING
Sandy D.
15 Aug

We've been racking up very useable miles with this credit card for years. Seems like a no-brainer to use it over all other credit cards except when you can get over 2X miles per dollar elsewhere.

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Megan
15 Aug

I’ve had this card since December 2022. I have used this card to book a hotel stay in Salzburg, Austria by transferring points to Wyndham. I’ve also used it to book a flight from Munich to Chicago on British Airways and from Paris to Nashville on Air France.

KEEP READING
Kathryn Byrne
15 Aug

I have had this card for at least 15 years! We have used our redemption points for numerous hotel stays and flights. Right now I’m saving them to cover $1200 in rental car fees when we rent a vehicle in Florida for 5 weeks this winter! Also used it when I booked our first class flights there from Michigan. Only cost of the trip will be our VRBO.

KEEP READING
Maribeth W.
15 Aug

I love this card! It's easy to earn and redeem points almost anywhere!  You can apply credits to travel purchases, transfer points to airlines, or book straight from the capital one portal.  I recently used points for an amazing trip to Peru!

KEEP READING
Borton
15 Aug

My first credit card and never disappointed…you get a nice sign up bonus with low cost annual fee. Open up the world of miles points with capital one. Never had issues with capital one. Customer service is top notch and their portal is user friendly, easy to navigate. Love capital one travel partners, probably the best among the rest. Won’t be disappointed if your first card is Venture ❤️💪

KEEP READING
Karin R.
25 Jul

It appears that there are ZERO US based airlines in the list - am I reading that correctly?

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The reviews above are not provided or commissioned by the bank advertiser. Customer reviews have not been reviewed, approved, or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered. 

How to make the most of your

Capital One Venture Rewards Credit Card

When it comes to Capital One Miles, the best way to maximize your miles is to redeem them with travel. And to take it one step further (because *ahem* this is Daily Drop), the Venture Card will let you pay for any type of travel with miles. Yeah, you heard me right — ANY type of travel.

[.dontreco] We don’t recommend: Turning your Capital One Miles into cash [.dontreco]

With a Capital One rewards card, you earn cash back or miles on every dollar you spend. The amount you earn varies based on the card and how you use it. However, this method simply doesn’t provide the best value.

[.sometimesreco] We sometimes recommend: Booking through Capital One’s portal [.sometimesreco]

Booking travel through Capital One lets you redeem miles at 1 cent each, but you won't earn extra rewards or elite perks. It's better to book directly and then use your miles to cover the cost.

[.alwaysreco] We always recommend: Redeeming your miles for travel [.alwaysreco]

The bottom line is — if a flight or hotel room can be bought with cash, you can use your miles to book it. You can redeem your miles at 1 cent each for travel purchases made in the last 90 days on your Venture Card. And, there's no minimum amount needed. This means you could redeem for airlines, hotels, rail lines, car rentals, limousines, buses, cruises, taxis, travel agents, and more — literally anything in your wildest dreams! Taking advantage of these $750 worth of credits is what makes the Venture Card (and its big brother) so freaking awesome. By redeeming your miles for travel, you’ll absolutely maximize their value.

But how can I actually transfer my Capital One Miles?

Transferring your Capital One Miles is a super simple process. Just follow these steps:

  1. Sign in to your Capital One account online or via the app.
  2. Go to the credit card account with the miles you want to transfer.
  3. Click "View Rewards."
  4. Select "Convert Rewards to a Capital One Miles Transfer Partner."
  5. Follow the prompts.
  6. Click "Transfer Miles" next to your chosen partner.
  7. Enter your loyalty program number and agree to the terms.

And you’re on your way! ✈️

Transfer Partners

Oh yeah, did we mention that the Venture Card has a pretty nice list of transfer partners?

In case you need convincing, here’s that list:

PROGRAM NAME
TRANSFER RATIO

Accor

2:1

Aeromexico

1:1

Air France / KLM

1:1

Avianca

1:1

British Airways

1:1

Cathay Pacific

1:1

Choice Hotels

1:1

EVA Air

2:1.5

Emirates

1:1

Etihad

1:1

Finnair

1:1

Qantas

1:1

Singapore Airlines

1:1

TAP Air Portugal

1:1

Turkish Airlines

1:1

Virgin Atlantic

1:1

Wyndham Hotels

1:1

Our Favorite Redemptions

Kara and Nate paid $0 for a 10-hour luxury train, the Peru Rail Lake Titicaca Train, to be exact. And, they did so with Capital One Miles. And, if you want the full details on that redemption, check out this video 👇

Offer History

OFFER DATES
OFFER DETAILS
Current Offer since
Sep 2024
through
75,000 miles once you spend $4,000 on purchases within the first 3 months of account opening.
Current Offer since
Jun 2023
through
Sep 2024
$250 Capital One travel credit + 75,000 miles after spending $4,000 on purchases in the first three months of account opening (public offer)
Current Offer since
Sep 2021
through
Jun 2023
75,000 miles after spending $4,000 on purchases in the first three months
Current Offer since
May 2021
through
Jun 2021
60,000 miles after spending $3,000 on purchases in the first three months
Current Offer since
Sep 2020
through
Apr 2021
50,000 miles if you spend $3,000 on purchases in the first three months from account opening, or 100,000 bonus miles when you spend $20,000 on purchases in the first 12 months from account opening

The Best Complementary Cards

American Express® Gold Card

Why? Speaking of “keeper cards,” the Gold Card most definitely falls into that category. Many travel experts would tell you the Gold Card would be one of their only cards if given an ultimatum. Pairing the Gold Card with the Venture Rewards Card is a solid strategy for maximizing rewards on everyday spending and travel. The Amex Gold card comes with 4x miles on dining at restaurants worldwide (on up to $50,000 in purchases per calendar year, then 1x points for the rest of the yearand U.S. supermarkets (up to $25,000 per year, then 1x after that), making it ideal for foodies and grocery shoppers. On the other hand, the Venture Rewards card earns 2x miles on every purchase, providing a way to rack up travel rewards on all other spending.

By combining these cards, you can optimize your rewards: use the Amex Gold for dining and groceries to earn significant points, and the Venture Rewards card for everything else to earn consistent miles. Plus, the Venture card offers flexibility with its miles redemption, including the ability to offset travel purchases or transfer miles to travel partners. Now, onto the Amex Gold card. Yes, it has a $325 annual fee (rates and fees), but stick with me. You're getting up to $120 in dining credits and another $120 in Uber Cash (To receive this benefit, you must have downloaded the latest version of the Uber App and your eligible American Express Gold Card must be a method of payment in your Uber account. The Amex Benefit may only be used in the United States. Effective 11/8/24, an Amex Card must be selected as the payment method for your Uber or Uber Eats transaction to redeem the Amex Uber Cash benefit.) – Basically, its credits outweigh its annual fee. So...it's paying for itself. Girl math. 💅

Capital One Savor Cash Rewards Credit Card

LIMITED TIME OFFER

Why? Pairing the Capital One Savor Cash Rewards Credit Card with the Capital One Venture Rewards Card is a brilliant strategy for maximizing both cash back and travel rewards. Here's why: The Savor card is fantastic for food lovers and entertainment seekers, offering 3% cash back on grocery stores (excluding Walmart and Target), dining, and entertainment, and 1% on all other purchases. This makes it perfect for those who frequently spend on eating out, attending events, or stocking up on groceries.

Meanwhile, the Venture Rewards card earns a flat 2x miles on every purchase, making it a versatile option for all other spending. This card also offers flexibility in redeeming miles, whether it's erasing travel purchases or transferring miles to travel partners. By combining these two cards, you can strategically use the Savor card for dining, entertainment, and grocery spending to earn high cash-back rates. For all other purchases, you should use your Venture card. This dual-card approach not only maximizes your rewards across different spending categories but also gives you the flexibility to enjoy both cash back and travel benefits, making your spending work harder for you.

The Beauty of a Low Annual Fee

One obvious reason we love this card so much is because of its super-duper low annual fee (as mentioned earlier). Brendan actually reviewed seven of his favorite cards with super low annual fees, including the Venture Card. Check out that video here 👇

Who Should Get The

Capital One Venture Rewards Credit Card

?

  1. The Miles and Points Beginner

Are you just getting started with the miles and points game? At Daily Drop, we love to recommend the Venture card as a solid beginner option. Not only does it have a manageable annual fee, but its earnings from everyday spending are top-tier. There’s actually a little thing called the Credit Card Ladder. Brendan does an excellent job explaining it in this YouTube video. But here’s the quick version: When you start on your miles and points journey, you might not have a single open account or even an existing credit score. This was me in 2022. Because life isn’t fair sometimes, you have to start with baby credit cards and work your way up to the big boys (i.e. The Venture X, The Platinum Card® from American Express, etc.). At the start of your credit card quest, the Venture card is certainly a step on the ladder to miles and points success.This card comes with a few additional travel perks so without further ado 👇

  1. The Twice-A-Year Traveler

Let’s face it — we can’t all travel around the world hopping from hotel to hotel (as much as we’d love to). But, we can maximize PTO for some pretty incredible trips. And when it comes time to book said trips, the Venture card is your BFFGT (best friend for great travel). Did we just do something there? Anyways. Let’s start with the welcome bonus. With the Venture card, you’re earning 75,000 bonus miles after spending $4,000 in the first 3 months of account opening. Okay, so that’s super solid. In addition to those beautiful Capital One miles, you’ll also be given a travel credit for Global Entry or TSA PreCheck® and you’ll get two complimentary visits to Capital One Lounges yearly. If you only traveled twice a year, you could easily stretch those miles for multiple trips, and relax comfortably in lounges on said trips, making the Venture Card worth keeping around, wouldn’t you say?

Who Should Not Get The

Capital One Venture Rewards Credit Card

?

Here’s a good rule of thumb: You probably shouldn’t own a credit card if you: (1) have a bad credit score, (2) are a non-U.S. resident (for this particular card), and (3) cannot control your spending.

If your credit score is below 670, you'll need to improve it before applying for travel credit cards, as approval for the best ones, like the Venture Card, is unlikely. Be honest with yourself: if a new credit card will tempt you to overspend, it's best to avoid it. Credit cards are crucial for earning miles and points, but they require responsible use.

Frequently Asked Questions

Can I upgrade my Venture Rewards Card to the Venture X?

If you've had your Venture Card for at least a year, you might be eligible to upgrade to the Venture X. To check, call the number on the back of your card to speak with an agent or sign into your account online to view available offers and upgrades.

What is the difference between Capital One Venture and Capital One Venture One?

They both provide travel rewards and 5X miles per dollar on hotel and rental car bookings through Capital One Travel, and the key differences are their annual fees and rewards rates. For instance, the VentureOne has no annual fee, while Venture charges $95 per year. The Venture earns 2X miles per dollar on all purchases, whereas VentureOne earns 1.25X miles per dollar.

Does a Capital One Venture card get you into airport lounges?

With the Capital One Venture Card, enjoy two complimentary visits per year to Capital One lounges and over 250 Plaza Premium airport lounges until December 31, 2024. Afterward, you can access Capital One lounges for $45 per visit.

Does Capital One Venture cover TSA?

Yes, the Capital One Venture covers TSA PreCheck in the form of a statement credit ($120 every four years).

How do I get the most value from my Capital One Rewards?

Redeeming your miles for travel usually provides the best value, but there are other ways to use them. The Capital One Travel Portal is also a valuable way to use your miles.

Is it worth it to get a Capital One Venture Card?

This card is certainly worth it, especially if you can accumulate enough rewards to justify the $95 annual fee. The perks include travel insurance, a credit for Global Entry or TSA PreCheck, and invitations to exclusive events. Additionally, spending $4,000 in the first three months earns you 75,000 miles, which can be redeemed for $750 in travel.

Authors

Written by: McKay Moffitt

Content Specialist

Edited by: Tiffany Eastham

Writer & Editor

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by products. See the respective Guide to Benefits for details, as terms and exclusions apply.

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