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Capital One Venture Rewards Credit Card review: is it worth it?
Wondering if the Capital One Venture Rewards Credit Card is right for you? Find out how this card can help you earn miles, what its benefits are, and if it's worth considering.
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High rewards rate in every purchase to help you travel around
If you’re a traveler who likes to earn miles, the Capital One Venture Rewards Credit Card could be a good fit for you.
This card comes with some generous rewards and perks, making it well worth considering if you’re in the market for a new credit card.
Keep reading to learn more about what this card has to offer and see if it’s the right choice for you.
| Credit Score | Excellent |
| Annual Fee | $95 |
| Regular APR | 19.99% – 29.99% variable APR for purchases and balance transfers; 29.99% variable APR for cash advances Balance Transfer Fee: $0 at the Transfer APR, 4% of the amount of each transferred balance that posts to your account at a promotional APR that Capital One may offer to you. Cash Advance Fee: Either $5 or 5% of the amount of each cash advance, whichever is greater. |
| Welcome bonus | New Venture cardholders can earn 75,000 miles once they spend $4,000 on purchases within 3 months from account opening |
| Rewards* | 2 miles per dollar on every purchase Earn 5X miles on hotels and rental cars booked through Capital One Travel *Terms apply |
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Capital One Venture Rewards Credit Card
For frequent travelers, the Capital One Venture Rewards is a good recommendation. It comes with a generous welcome bonus and keeps on giving you miles in every purchase.
That’s one advantage among other travel cards that only reward travel purchases. Of course, the rewards are more considerable for purchasing with the Capital One Travel service.
You can also get the welcome bonus of 75,000 miles if you spend $4,000 on purchases in the three months from your account opening.
Every clever traveler knows that having a travel rewards credit card will help you turn your expenses into money on your hands again.
Educating yourself to be a rewards strategist can help you save thousands of dollars annually.
On top of the rewards program, this card offers other perks for the cardholder. It has excellent insurance benefits for travel and car rentals. Also, get VIP access to selected events and culinary experiences.
Capital One Venture Rewards Credit Card: should you get one?
Take a look at some pros and cons of this card to help you decide if you should get one or not:
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Pros
- 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®.
- Enjoy two complimentary visits per year to Capital One Lounges or to 100+ Plaza Premium Lounges through the Partner Lounge Network.
- 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.
Cons
- Requires good/excellent credit score.
- If you choose to redeem your miles as cashback they will value only $0,005 CPM.
- Doesn’t have good options to redeem miles into domestic travel.
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Credit scores required
Like most travel cards, the Capital One Venture Reward Credit Card requires a good to excellent credit score. If you’re not there yet, build your credit score with responsible use of your credit limit.
Capital One Venture Rewards Credit Card application: how to do?
So, whether you’re planning a vacation in the near future or just want to rack up some miles for a future trip, read on to find out more about how the Capital One Venture Rewards Credit Card works and how to apply for it.
Apply online
You can apply for the Capital One Venture Rewards Credit Card online. Go to the Capital One website, and you’ll find all the cards it has to offer.
Select the Capital One Venture to apply for it and you’ll find the information you need to know about it. Read everything and check the FAQs if you remain in doubt about something. More than just the benefits, check the fees and interest rates.
Hit the “apply now” button when you decide on this card. You’ll be redirected to a form with the usual questions for personal and financial information about your life.
You’ll get an answer in your email if you get approved. If you don’t get approved for this card, Capital One may offer a different card, without checking your credit score again.
Apply using the app
There is no possibility to apply using an app.
Capital One Venture Rewards Credit Card vs. The Platinum Card® from American Express
Maybe you prefer a premium travel credit card. You can check The Platinum Card® from American Express features.
It offers VIP experiences and Elite Status at hotels and airport lounges. The annual fee is higher, but so are the benefits it offers.
| Capital One Venture Rewards | The Platinum Card® from American Express | |
| Credit Score | Excellent | Recommended above 720 |
| Annual Fee | $95 | $695 Rates & Fees |
| Regular APR | 19.99% – 29.99% variable APR for purchases and balance transfers; 29.99% variable APR for cash advances Balance Transfer Fee: $0 at the Transfer APR, 4% of the amount of each transferred balance that posts to your account at a promotional APR that Capital One may offer to you. Cash Advance Fee: Either $5 or 5% of the amount of each cash advance, whichever is greater. | See Pay Over Time APR. Rates & Fees |
| Welcome bonus* | New Venture cardholders can earn 75,000 miles once they spend $4,000 on purchases within 3 months from account opening | 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. *Terms Apply. |
| Rewards* | 2 miles per dollar on every purchase Earn 5X miles on hotels and rental cars booked through Capital One Travel *Terms apply | 5x points on flights you book directly through airlines or American Express Travel (up to $500,000 on these purchases per calendar year); 5x points on prepaid hotels (valid for those you book through AmexTravel.com); 1x point on any other eligible purchase. *Terms Apply. |
To learn everything you need to know to apply for the Amex Platinum, keep reading the following content.
How do you get the American Express Platinum card?
With the American Express Platinum Card you can count on membership reward points and premium benefits. Learn how to apply for it.
The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.
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.
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