Venture one credit card review

Capital One venture credit card review

This video is about the Capital One venture credit card. I wanted to review the capital one venture card because its the card that I use and I think it has a lot of benefits that should help others who travel frequently. However, not all credit cards are the same and you need to educate yourself on which one is best for you.

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****This is my OPINION & REVIEW of this credit card only. I do not work for Capital One nor is this a paid endorsement for the card.****

Capital One® Venture® Rewards Credit Card Review – 2x Miles

Capital One® Venture® Rewards Credit CardLearn More

  • Sign-Up Bonus: 50,000 bonus miles when you spend $3,000 in 3 months
  • Rewards: Unlimited 2 miles per $1 spent on all purchases
  • Benefits: Visa Signature benefits such as extended warranties, shopping discounts, complimentary car rental insurance, travel upgrades and savings, concierge service, and more
  • Intro APR: None
  • Fees: $0 foreign transaction fee; cash advances $10 or 3% (whichever is greater)
  • Annual Fee: $95
  • Credit Needed: Good to Excellent

Learn more about this card and find out how you can apply here.

Capital One® Venture® Rewards Credit Card is a popular travel rewards card with a $95 annual fee (wavied for the first year) and a very straightforward rewards system. You earn an unlimited 2 miles per dollar on every purchase, and miles can be redeemed at a set rate for a range of travel purchases.

Capital One Venture Rewards is just one of many general-purpose credit cards. It’s comparable to its stablemate, Capital One VentureOne Rewards, which is a no-annual-fee version of the Venture card, but with some notable differences. It also competes with non-Capital One cards with annual fees ranging from $50 to $100, including Chase Sapphire Preferred, Barclaycard Arrival Plus, and British Airways Visa Signature.

You get 50,000 miles once you spend $3,000 on the card within 3 months from account opening. That’s worth $500 in travel expenses at redemption.

Capital One Venture Rewards earns an unlimited 2 miles per dollar on every purchase. There are no caps, categories, or restrictions.

You can redeem your accumulated rewards for travel purchases (including airfare, car rentals, other forms of ground transportation, hotel stays, and more) in two ways. First, you can exchange your miles for account statement credits at a fixed value of $0.01 per point, either by manually selecting the purchase you wish to offset in your online account, or by calling Capital One’s customer service hotline and doing the same. Second, you can book travel directly through Capital One’s online travel portal and pay with miles instead of cash, again at a $0.01-per-point value.

If the item you’re redeeming for is worth more than the cash value of your miles, you can make a partial redemption (minimum 2,500 miles) and pay the balance in cash. Capital One does allow you to redeem miles for non-travel items, including cash, gift cards, and general statement credits, but values for such redemptions vary widely, are subject to change, and are often less than $0.01 per mile.

There is a $95 annual fee, but there is a $0 intro for the first year. There is no foreign transaction fee. The cash advance fee is 3% of the amount of the cash advance, but not less than $10. The balance transfer fee is $0, and the late payment fee ranges Up to $35.

Cardholders get access to Capital One’s CreditWise tool, entitling them to a free credit score with their monthly online or paper statements. The score is also accessible on demand through account dashboards. CreditWise includes other credit-building and -education tools as well.

This card comes with a nice lineup of other benefits, including 24/7 concierge service and assistance with complex travel bookings; preferred access to special events, such as concerts and sporting events; and 24/7 emergency card replacement service when traveling.

This card requires excellent credit. Any notable credit blemishes are likely to disqualify your application.

  1. Flexible Redemption Options. You can redeem accumulated miles for virtually any travel purchase, from long-distance airfare and luxury hotels, to economy car rentals and intercity train tickets. That’s substantially more flexible than branded travel cards such as the Gold Delta SkyMiles from American Express ($95 annual fee) and Citi Platinum Select/AAdvantage World MasterCard ($95 annual fee), which either restrict redemptions to airfare only or require you to follow complicated conversion systems (which often reduce point values) to redeem for merchandise of other forms of travel, such as hotel rooms.
  2. No Balance Transfer Fees. This card doesn’t charge a balance transfer fee, which puts it in a small minority of cards. Most competing travel rewards cards charge anywhere from the greater of $5 or 3% of the transfer amount to the greater of $10 or 5% of the transfer amount.
  3. No Foreign Transaction Fees. If you want to use a credit card while traveling out of the country, this is a good choice. Some other travel rewards cards, such as Citi Hilton Honors and Expedia+ Card from Citi, charge fees on foreign transactions up to 3%.
  4. No Penalty APR. This card charges no penalty interest. That’s a big advantage for cardholders who occasionally miss payments. Some competing travel cards, including the Expedia+ Voyager Card ($95 annual fee) and Citi Platinum Select/AAdvantage, charge penalty interest up to 29.99% APR.
  5. No Spending Categories. Capital One Venture Rewards doesn’t have any spending categories or associated limits to keep track of. You simply earn an unlimited 2 miles per dollar spent. That’s a big advantage next to competitors such as U.S. Bank FlexPerks Travel Rewards ($49 annual fee), which pays 2 points per $1 spent on cell phone purchases and 1 point per $1 spent on everything else.
  6. Comes With a Free Credit Score and Credit Tools. This card gives you a free TransUnion VantageScore 3.0 credit score with your monthly statement and on-demand through your account dashboard. It also has one of the most comprehensive suites of credit-tracking and credit-building tools of any travel card, thanks to Capital One CreditWise.
  7. Comparatively Generous Sign-up Bonus. Venture Rewards’ 50,000-mile sign-up bonus (worth $500) isn’t tops among fellow general-purpose travel rewards cards. However, it’s one of the highest among cards with relatively low annual fees – or no annual fees, for that matter.
  1. No Preferred Brands or Partnerships. The fact that this card’s miles can be redeemed for any travel purchase is a blessing and a curse. Since no transaction type or travel-related brand is prioritized over any other, it’s difficult to use this card as a “travel hack” to lower your overall travel costs or earn free flights quickly. That’s a big drawback relative to branded cards such as the Alaska Airlines Visa Signature Card ($75 annual fee), which tends to offer much better redemption deals on long-haul flights, including with partner airlines, such as British Airways.
  2. Has an Annual Fee. While the $95 annual fee is waived the first year, it should still be factored into how much you can gain in potential rewards. The annual fee is not super-high by fee-bearing travel rewards cards standards, but it’s still a black mark next to the multitude of fee-free travel cards. Popular fee-free alternatives include the Expedia+ Card.
  3. Limited Travel Benefits. Venture Rewards doesn’t come with many travel benefits beyond the rewards program itself. If you’re in the market for a card that offers convenient or luxurious perks in the airport, on the plane, or in the hotel, look elsewhere. Branded cards typically have more to offer in this area. For instance, Gold Delta SkyMiles offers in-flight food discounts and priority boarding, while the Alaska Airlines Card offers a potentially valuable companion airfare discount and $50 credit toward a new Alaska Airlines airport lounge membership.
  4. Miles Are Worth $0.01 Apiece When Redeemed for Travel. The Venture Rewards Card’s miles are always worth $0.01 each at redemption when you redeem for travel expenses. This makes for less confusion when it comes time to redeem, but it’s not ideal if your aim is to maximize the value of your accumulated miles. Whether you redeem for a trans-Pacific first-class journey or a short-haul domestic economy hop, you can always count on a straight miles-to-dollars conversion. By contrast, brand-specific rewards programs (such as Gold Delta SkyMiles and AAdvantage) have widely variable redemption values, with miles worth substantially more (sometimes several times more) on long-haul international redemptions, compared with short-haul domestic redemptions. If your ultimate goal is a free flight to Australia or Asia, just about any brand-specific travel rewards card is superior to this card.
  5. Requires Excellent Credit. By Capital One’s own admission, this card requires excellent credit. That means it’s likely not an ideal first travel rewards card, even for travelers with good to very good credit. For an entry-level travel rewards card, consider the similar Expedia+ Card, which has the added bonus of being fee-free.

Travel rewards credit cards are frequently pigeonholed as intentionally complex, confusing, and user-unfriendly. This sweeping generalization is built around a kernel of truth: Many airline and hotel credit cards have complex redemption schemes that assign wildly variable point values depending on numerous factors, discourage participants from converting points to other rewards programs, and impose annoying restrictions such as blackout dates.

However, it’s unfair to say that all travel rewards cards are complicated, particularly when popular options like Capital One® Venture® Rewards Credit Card have increasingly come to dominate the category. With this card, you never have to worry about how much your miles are actually worth at redemption, or whether you’re even able to redeem for a given type of travel purchase. While Venture Rewards certainly isn’t the most generous travel card by any stretch, there’s something to be said for its forthrightness.

Learn more about this card and find out how you can apply here.

Capital One® Venture® Rewards Credit Card

The Capital One® Venture® Rewards Credit Card has a straightforward, flexible rewards program that makes it ideal for frequent travelers who spend enough to offset the $95 annual fee (waived during the first year), don’t have a preferred hotel, airline, or car rental brand, and want to be able to redeem for as wide a variety of travel purchases as possible. It’s not ideal for people seeking luxurious or convenient fringe benefits, nor those willing to stick with a preferred brand or brand portfolio to get better redemption deals.

The simple and flexible rewards system, helpful credit tracking tools, and lack of a penalty APR and balance transfer fees are all great benefits. However, the annual fee, limited travel benefits, fixed miles-to-dollar value on travel redemptions, incompatibility with travel hacking, and the tough qualification requirements are definite drawbacks. Overall, this is a great card for travelers who prefer to be rewarded for all purchases and without a preferred airline brand or desire to conduct extensive research to find the best travel deals.

Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airline, or hotel chain, and has not been reviewed, approved, or otherwise endorsed by any of these entities. Opinions expressed here are the author's alone, not those of the bank, credit card issuer, airline, or hotel chain, and have not been reviewed, approved, or otherwise endorsed by any of these entities.

Capital One Venture Review: Stress-Free 2% Travel Rewards

Earn 2 miles per dollar spent on everything. Redeem miles (at 1 cent apiece) for credit on your statement against any travel purchase.

Rewards earning 4.5

Waived first year

  • Enjoy 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
  • Earn unlimited 2X miles per dollar on every purchase, every day
  • New! Earn 10 miles per dollar on hotels when you pay with your Venture card at; learn more at

Capital One® Venture® Rewards Credit Card

on Capital One's secure website

  • High rewards rate
  • Flexible rewards redemption
  • No foreign transaction fee
  • Sign-up bonus
  • Has annual fee
  • Redemption value for cash is half of value for travel
  • Requires good/excellent credit
  • No travel partners to earn additional rewards

The Capital One® Venture® Rewards Credit Card is one of the most heavily advertised credit cards on the market, but its wide popularity isn’t just the product of hype. It offers a big sign-up bonus, a high ongoing rewards rate and extremely flexible redemption options. Simply put, you aren’t going to find many travel credit cards better than this one.

Capital One® Venture® Rewards Credit Card: Basics and benefits

The Capital One® Venture® Rewards Credit Card is designed for someone who wants a credit card that earns travel rewards — but who doesn’t want to be tied to a specific airline or hotel brand. It’s pretty simple:

  • You earn 2 miles for every dollar you spend.
  • Miles can be redeemed for statement credit against travel purchases. Miles are worth a penny apiece when redeemed for travel.

Say you want a plane ticket that costs $400. Just book the flight however you normally would and pay for it with the Capital One® Venture® Rewards Credit Card. When your statement comes, you would apply your accumulated miles toward the purchase: 40,000 miles would wipe out the cost entirely. If you didn’t have enough miles to cover the whole amount of the ticket, you could redeem miles for part of the cost and pay cash for the rest.

An additional benefit is that because you’re booking the flight the same way as if you were paying cash, you don’t have to worry about blackout dates, seat restrictions or other limitations that are common to airline rewards programs plans.

The Capital One® Venture® Rewards Credit Card gives you a head start on your next trip with its sign-up bonus: Enjoy 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.

Most airline-branded credit cards give you 1 mile per dollar spent on most purchases and double miles only on purchases with the airline itself. The Capital One® Venture® Rewards Credit Card gives you double miles on everything. And its miles are worth the same 1 cent apiece as is standard within the airline industry.

Capital One’s rewards program gives you two ways to redeem miles for travel:

  • Use the issuer’s travel center to find deals on flights, hotels, rental cars or all-inclusive vacation packages, then pay for them upfront with your accumulated miles.
  • Book your travel elsewhere and use the Capital One Purchase Eraser to get a statement credit for the cost. There’s no minimum amount to redeem for full or partial credit for an expense. That’s a welcome difference from some other cards, which have minimums as high as $100. Any expense that Capital One considers “travel” is eligible for redemption. This includes not only airline flights and hotel stays, but also “rail lines, car rental agencies, limousine services, bus lines, cruise lines, taxi cabs, travel agents and time shares,” according to the Capital One website.

Credit cards often add a surcharge of around 3% to all purchases made in a foreign country. Good travel cards shouldn’t charge this fee, and the Capital One® Venture® Rewards Credit Card does not. (In fact, none of Capital One’s cards do).

Capital One® Venture® Rewards Credit Card: Potential drawbacks

Even champions can’t be perfect. The Capital One® Venture® Rewards Credit Card lacks in a couple areas:

The Capital One® Venture® Rewards Credit Card’s strength lies in its travel benefits. If you want to use your miles for cash back or a statement credit for non-travel purchases, your miles are worth only half as much as if you were to redeem them for travel. This can be an issue if you’re not planning on traveling in the near future and would like to make use of your rewards.

For sophisticated travelers who like to squeeze every last drop of value out of loyalty programs, the straightforward rewards of the Capital One® Venture® Rewards Credit Card aren’t conducive to “hacking.” The card doesn’t allow you to transfer your miles to a travel partner or have any other loopholes to multiply your rewards. What you see is what you get. Of course, that’s also the appeal for many consumers.

The Chase Sapphire Preferred® Card is a better choice for travel hackers. First, there’s an option to transfer points to participating frequent traveler programs at a 1:1 ratio. You can also use your points to book a trip directly with Chase’s travel tool. If you choose this route, your points rise in value from 1 cent apiece to 1.25 cents. You can also redeem points as cash back to your Chase checking or savings account (each point will be worth 1 cent).

The Chase Sapphire Preferred® Card also offers a great sign-up bonus: Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®. The ongoing rewards rate is 2 points per dollar spent on travel and dining and 1 point per dollar on all other purchases. The annual fee is $0 for the first year, then $95.

The card’s annual fee is $0 for the first year, then $95. An annual fee isn’t uncommon for a top-tier travel rewards credit card, but it’s still a consideration. A relatively low annual fee used to set this card apart; Capital One raised the fee in 2017 to bring it more in line with fees on similar cards. The fee is still waived in the first year, though. Use our calculator to see whether the rewards you’d earn with the card will cover the fee:

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

If you’re serious about travel, the Capital One® Venture® Rewards Credit Card should be on your radar. With one of the highest sign-up bonuses and best ongoing rewards rates on the market, it can go toe to toe with any other travel card. It’s especially a good option if you want flexibility or if you travel internationally.

But depending on your needs, other travel credit cards may be a better choice. The Nerds recommend you explore all your options before applying.

» Capital One Venture Rewards Credit Card Review

Capital One Venture Rewards Credit Card

The Capital One Venture card is a reward credit card from Capital One’s range of Visa cards that offers great rewards and a fairly low APR at the same time. A cardholder needs an excellent credit history to qualify for this card.

Offering double miles for every purchase made and no foreign transaction fees being charged, makes the Capital One Venture credit card an excellent choice for frequent travelers. Miles can be redeemed against any travel expense and new accounts even get a 0% introductory annual fee during their first year, while being able to earn 10,000 bonus miles at the same time.

The Capital One Venture reward credit card offers 2 miles per dollar spent with every purchase; a one-time bonus of 10,000 miles can be earned, once a customer has spent $1,000 in the first 3 months from the date of signing up. There is no annual fee payable in the first year, after which the fee charged is just $59 per annum.

Good news for customers wishing to transfer from another card: there is no transfer fee being charged and the transfer APR is 11.9% to 19.9%, depending on creditworthiness.

For purchases the APR applicable is 11.9% to 19.9% variable, but again, the actual rate offered depends on a customer’s creditworthiness.

The grace period is 25 days on purchases. Cash advance fees are 3% of cash advance with a minimum of $10. Cash advances come at rather a high interest rate of 24.9% variable APR, but for frequent travelers the cheery news is that there are no foreign transaction fees whatsoever.

The Capital One Venture reward credit card benefits from the Visa Signature Concierge Service, allowing cardholders to upgrade at choice hotels or get good tickets for shows or games.

On the travel side of things the card offers cardholders the chance to redeem their reward miles against any travel, gift cards, charity donations or merchandise. Travel can be booked anywhere, with any travel agent or shop or online and the miles can be redeemed before, during or after a trip.

The travel is not restricted either – it can be a cruise, an air ticket, a hotel room or rental cars, even taxi expenses are offered. There are no blackout times, no restrictions on seats or anything that would prevent a Capital One Venture cardholder to fully exploit the benefits and reward scheme on offer.

Reward miles can be redeemed up to 90 days after the purchase. All a cardholder needs to do is to go online to his or her account, find the relevant section and click Request Travel Credit and the miles are redeemed instantly.

Using the Capital One Venture reward credit card for everyday purchases like filling up at the gas station or buying groceries can soon clock up the miles, indeed 30,000 miles are not uncommon for cardholders, who spend an average of $1,250 per month on everyday things.

Capital One Venture Rewards Credit Card Review (Updated 2016)

The Capital One Venture One Rewards credit card is a solid, flat rate miles rewards credit card issued by Capital One Bank. This card will allow you to accumulate travel miles quickly which can be redeemed for a variety of travel purchases. This review will tell you all you need to know about the Capital One Venture One Rewards Credit Card.

Our Favorite Things About This Card

  • 0% Introductory Offer: You will enjoy a 0% introductory A.P.R. on all purchases until February 2017. This would allow you to make a big purchases with the card and slowly pay it off without have to pay any interest. After the intro period a variable A.P.R. ranging from 12% to 22% applies.
  • Earn unlimited 1.25 Miles: This card will award you with an unlimited 1.25 miles per $1 spent on all purchases. This is great as you don’t have to worry about limits on how many miles you can earn. If you spend $10 000 with this card in a year, you will earn 12 500 miles.
  • Miles do not expire: This miles earned on this card do not expire, allowing you to accumulate miles for as long as you want before you redeemed them.
  • 20 000 miles bonus offer: This card will award you with 20 000 bonus miles after you spend $1000 within the first 3 months of card opening. This is equal to $200 worth of travel, its basically free money.
  • No foreign transaction fee: This card does not charge you a fee when you use this card in a foreign country or use this card to pay for something in a foreign currency. This makes the card great to use while travelling abroad. Many cards charge a fee of 3% which can add up to a lot of money.
  • No annual fee: This card will not charge you an annual fee, this is great as you don’ t have to factor in the annual fee to see how much you are really benefiting from the rewards. Many similar cards to this card, do have an annual fee.
  • Many redemption options: You can redeem your miles for a wide variety of travel purchases such as hotel stays, flights, cruises, vehicle rentals, and vacation packages, pretty much any travel expense that is charged to this card. You can also redeem your miles as a statement credit if you prefer.
  • Visa Signature Benefits: If you get the Visa Signature version of this card, you will receive many more benefits and perks. If you have excellent credit, and high income, there’s good chance you will qualify for following Visa Signature Benefits:
    • Complimentary Concierge Service: If you need assistance with anything related to the credit card, you can call the concierge service. They will help you find and book travel deals, make reservations, book flights and more.
  • Vehicle Rental Insurance: If you use this card to pay for your vehicle rental, you will be covered for any possible accidents and theft.
  • Extended Warranty: Any items you purchases with this card will automatically have extended warranty applied to them.
  • Purchase Security: If an eligible item purchased with the card is either damaged or stolen you can be reimbursed up to $500 per claim. A unique feature most cards don’t have.
  • Roadside Assistance: You will receive roadside assistance if your car breaks down, or if you get locked out of your vehicle. Each service call will cost $59, however this includes any towing you might need, as well as tire changing, battery jump starting, and a lockout service. This can save you a lot of money as towing can cost up to $200 to $300.
  • Lost Luggage Coverage: If any of your luggage is lost when travelling on any airline, you will be covered for up to $3000. In order to qualify for this service, you will have to have charged the full cost of your travel booking on the credit card.

Things We Dot Not Like About The Capital One Venture One Rewards Credit Card

  • High cash advance fee: This card charges a cash advance fee of either $10 or 3%, whichever is greater. You will be charged this fee overtime you use the card to withdraw cash from an A.T.M. If you are withdrawing a large sum of money the fee will be hefty, so try to avoid using his card to withdraw cash.

Who The Capital One Venture One Card Best Suits

  • Those looking for a travel card that does not have an annual fee.
  • Those looking for a card they can use while travelling with no foreign transaction fees.

How The Capital One Venture One Compares With Similar Cards

Capital One Venture Rewards Credit Card

Many people wonder what the difference between the Capital One Venture One Rewards card vs Capital one Venture Rewards card is. The Venture One card does not have an annual fee while the Venture card does have a $59 annual fee, although the fee is waived in the first year. Furthermore, the Venture One card awards 1.25 miles per every $1 spent, while the Venture card awards 2 miles per $1 spent.The bonus offer is different as well as the Venture One card awards you with the 20 000 miles, while the Venture card awards you 40 000 miles after you spend the first $3000 in the first 3 months. This is equivalent to $400 in travel which is double the bonus you get on the Venture One card. The Venture One Card has a 0 % intro A.P.R. until February 2017 while the Venture card does not have the intro offer.

If you are a big spender you would benefit more from the Venture card as it awards a higher rate on miles. However if you do not think you will spend enough to make up for the annual fee then the Venture One card is the better choice.

Discover IT Miles Credit Card

This credit card has a great bonus offer as Discover will double all the miles you have earned at the end of your first year. So if you have earned 25 000 miles, Discover will award you with an additional 25 000 miles. This card also has an intro offer, as it features 0% intro A.P.R. on all purchases for 12 months. After the 12 months the A.P.R. ranges from 13% to 23%. It also features a intro A.P.R. of 10.99% on all balance transfers for 1 12 months. Both cards do not have an annual fee, and both do not have a foreign transaction fee. This card has a higher rewards rate as you will earn an unlimited 1.25 miles per $1 spent. Depending on how much you spend, the bonus offer on the Discover card could be more or less then the Venture one bonus. If you will spend a lot, then you will benefit more from the Discover IT card. Another benefit this card has is the ability to track your FICO score online, which will be updated monthly. If you are a big spender you will get more value out of the Discover IT card.

Bank Americard Travel Rewards Credit Card

This card is another travel rewards card that awards the user points rather then miles. You will earn an unlimited 1.5 miles per $1 spent on all purchases. This card has a nearly identical bonus offer as you will earn 20 000 bonus points after you spend the first $1000 in the first 3 months of card opening. This is equivalent to $200 in travel, just like the Venture One card. Both cards do not have an annual fee or a foreign transaction fee. This card has a introductory offer of 0% intro A.P.R. for the first 12 months on all purchases, after the intro period, a variable A.P.R. ranging from 15% to 23% applies.The Venture one card has a slightly lower interest rate then this card. The points are redeemed similar to the Venture One card, as you can redeem your points for a statement credit that can be used for flights hotels, cruises, auto rentals and vacation packages. Overall these cards are nearly identical except for the fact that this card offers 1.5 points per $1 spent, compared to the 1.25 miles earned with the Venture One card. You really can’t go wrong with either card.

Should You, Or Shouldn’t You, Our Final Verdict

Overall, the Capital One Venture One Rewards card is a high quality card that offers good value in all areas. For a card with no annual fee, you get several benefits including no foreign transaction fee. This card has everything you would really want in a credit card. However, with that being said, if you are a big spender you could get a higher rewards rate with others cards, such as the Chase Sapphire Preferred card. Cards such as the Chase Sapphire Preferred will have an annual fee, however if you are a big spender you the benefits will outweigh the annual fee.

To sum things up, if you are an average spender, then you should get this card as it has everything you would want in a travel reward card.

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