Capital One® Venture® Rewards Credit Card Review

Our Detailed Review of This Card

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The Capital One® Venture® Rewards Credit Card did great in our Travel Rewards Credit Card Analysis with a value of $2.40 earned for each $100 spent. Plus, its intro bonus is a whopping 50,000 miles once you spend $3,000 on purchases within 3 months from account opening - equal to $500 in travel! This is a pretty hefty bonus for making the everyday purchases you'd probably already be making anyway.

The ongoing rewards are also generous - you'll now earn an astounding 10 miles for each $1 you spend at Hotels.com/Venture until Jan. 31, 2020. For those not familiar with Hotels.com, it a very popular site that lets you book room at hundreds of thousands of properties in more than 200 countries and territories. Cardholders will also receive an unlimited 2 miles for every $1 spent on all other purchases. This makes the card a good match for both intrepid travelers and those who may not leave town that frequently. In addition to all of this earning potential, if you join the Hotels.com rewards program after 10 nights you'll earn a free night that you can redeem at any hotel on Hotels.com with no blackout dates.

When it comes time to redeem your rewards, the Capital One® Venture® Rewards Credit Card doesn't limit you to a single airline or hotel chain. Instead, you can book the type of travel you want on any airline or hotel, from any site and with any agent. Just use your Venture Card to book the travel, and then use your earned miles as a statement credit against the travel you booked. Not only is it easy, but you don't need to have the entire value of the travel in miles to do it - if you booked $500 in travel, you can redeem $200 in miles and pay the $300 difference. Or you can redeem $500 in miles and pay nothing (except the rest of your credit card statement, of course). Additionally, there are no blackout dates or restrictions to worry about. There is a $95 annual fee, but it it is waived the first year.

Capital One® Venture® Rewards Credit Card doesn't charge any foreign transaction fees when you make purchases outside the U.S. This is a big plus for international travelers, as those pesky fees (usually around 3% of your purchase) can add up very quickly. Users will also enjoy Visa® benefits, including complimentary concierge service, road assist service, travel and emergency service and extended warranty protection on items purchased with your card. What's more, Capital One® Venture® Rewards Credit Card holders will receive up to $100 every 4 years to cover the Global Entry or TSA Pre✔® program application fee, a necessity for frequent travelers. You'll also receive a free TransUnion credit score each month, and if you're a techie, you'll appreciate the option to use Venture with Apple Pay to make purchases with your phone.

We highly recommend the Capital One® Venture® Rewards Credit Card for its huge intro bonus ($500!), flexible reward redemption, enormous 10x point earning at Hotels.com/Venture, and high reward value. Features like no foreign transaction fees, free monthly TransUnion scores and extended warranty protection help sweeten the pot. There is a $95 annual fee, but it's waived the first year, allowing you to try it out free of charge the first 12 months to see if it's a good fit for you.


Rewards

  • The miles you can earn have no limit and no expiration.
  • Earn double miles with every purchase toward free flights on any airline.
  • Earn 50,000 bonus miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel.
  • Fly on any airline, anytime with no blackout dates.
  • No foreign transaction fees.

Redeem Rewards
  • Redeem rewards for travel, cash, gift cards, brand-name merchandise, and more.
  • Redeem your miles for any travel expense in two ways: either by contacting the Capital One Rewards Center or by using your card to book your own travel online, over the phone, or in-person.
  • Redemption rates for cash, gift cards, brand-name merchandise, and more vary and are subject to change without notice.

Fees and APR
  • Annual Fee: $0 intro for first year; $95 after that.
  • Foreign Transaction Fees: None.
  • Purchase APR: 14.74% - 24.74% (Variable), depending on credit history.
  • Balance Transfer APR: 14.74% - 24.74% (Variable), depending on credit history.
  • Balance Transfer Fee: $0.
  • Terms and Conditions


Apply for a Capital One® Venture® Rewards Credit Card

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