The Capital One Venture Rewards Credit Card offers straightforward travel rewards with no blackout dates and flexible redemption options. Here’s our complete review.
Quick Overview
- Annual Fee: $95
- APR: 19.99% – 29.99% Variable
- Rewards Rate: 2X miles on every purchase
- Sign-up Bonus: 75,000 miles after spending $4,000 in first 3 months (worth $750 in travel)
- Best For: Simple, flexible travel rewards
Why We Recommend It
Capital One Venture keeps things simple: earn 2X miles on everything you buy, with no bonus categories to track. The miles are worth 1 cent each when booking travel through Capital One Travel, or you can transfer them to 15+ airline partners for potentially higher value. With no foreign transaction fees and comprehensive travel insurance, this card works well for frequent travelers.
Rewards & Benefits
Earn miles at a flat rate:
- 2X miles on every purchase (no categories to track)
- 5X miles on hotels and rental cars booked through Capital One Travel
Valuable perks include:
- 75,000 mile sign-up bonus (worth $750)
- No foreign transaction fees
- Travel accident insurance
- Auto rental collision damage waiver
- 24/7 travel assistance services
- Extended warranty protection
Fees & Rates
- Annual fee: $95
- Purchase APR: 19.99% – 29.99% Variable
- Balance transfer fee: 3%
- Foreign transaction fee: None
- Cash advance fee: 3% ($10 minimum)
Who Should Get This Card
The Capital One Venture is ideal for:
- Travelers who want simple, flat-rate rewards
- People who don’t want to track bonus categories
- Anyone seeking flexibility in redemption options
- Travelers who book through various channels (not just airlines)
This card is NOT ideal for:
- People who maximize category bonuses
- Those who rarely travel
- Anyone carrying monthly balances
How It Compares
- Simpler earning structure than Chase Sapphire Preferred
- Higher flat rate than most cards (2X on everything)
- More flexible redemption than airline-specific cards
- Lower annual fee than premium travel cards
The Bottom Line
Capital One Venture Rewards offers excellent value for travelers who want simplicity. The 2X miles on all purchases means you never have to worry about which card to use, and the generous sign-up bonus pays for the annual fee for years. If you value straightforward rewards over complex category bonuses, this card delivers.
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This card is offered by Capital One. CleverCreditCards.com may receive compensation if you apply and are approved.