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Capital One · credit
Last updated
Is the Venture worth keeping when the fee hits?
Welcome offer — 75,000 bonus miles after $4,000 spend in 3 months (offer varies) Inferred by source
Portal caveat — Capital One Travel averages ~0.76% above booking direct; portal redemptions are worth less than the headline rate.
Apply on Capital One's siteOfficial issuer page (not an affiliate link yet) · how we earn
Typically needs good credit (670–739) — guideline, not a guarantee · Set your credit profile
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What this card delivers across six value dimensions (0–100, normalized).
| 5× | Hotels & rental cars via Capital One Travel Verified by source |
|---|---|
| 2× | Every purchase Verified by source |
Capital One miles points transfer to these loyalty programs. Mostly 1:1 (Accor 2:1). Inferred by source
| Airlines (16) | |
|---|---|
| Hotels (3) |
| Global Entry / TSA PreCheck | $100/yr · one-time Inferred by sourceWhat is Global Entry / TSA PreCheck?Global Entry speeds up US customs and immigration when you arrive from abroad, and includes TSA PreCheck. TSA PreCheck alone is the expedited domestic security lane. This reimburses the government application fee, which you only pay every few years. On this card: Up to $100 every 4 years Inferred by source |
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No lounge access.
| Rental car CDW | Secondary auto rental coverage Inferred by source |
|---|---|
| Travel accident | Travel accident insurance Inferred by source |
| Baggage | Up to $1,500/incident for lost or damaged luggage (secondary to airline); max 2 claims/12 months; NY residents capped at $2,000/bag Inferred by source |
| Extended warranty | Extends eligible manufacturer warranty; specific duration/limit depends on benefits guide; excludes motorized vehicles, software, used goods Verified by source |
| Roadside assistance | Master RoadAssist 24/7 dispatch (pay-per-use at prenegotiated rates); jump-starts, towing, gas delivery, tire changes; fees apply per incident Inferred by source |
Using Venture at an ATM is a cash advance, not a normal purchase — it costs a fee, starts charging interest the same day (no grace period), and earns no rewards.
| Cash advance fee | 5% of each advance, minimum $5 Inferred by source |
|---|---|
| Cash advance APR | 29.99% variable Inferred by source |
| Foreign ATM | Cash advance with no foreign transaction fee — but the ATM operator may add its own surcharge. |
ATM operator surcharges are set by the machine, not the card. To avoid all of this, use a debit card or cash for ATM withdrawals.
*Realized/net assume full use of non-spend-gated credits — an upper bound. †First-year net adds the one-time sign-up bonus (counts once, not recurring). Personalize it
The Capital One Venture Rewards Credit Card has a $95 annual fee.
Using its non-spend-gated credits fully, the Capital One Venture Rewards Credit Card returns about $100 in value against its $95 annual fee — a net of +$5 per year. It can pay for itself if you actually use the credits.
The Capital One Venture Rewards Credit Card earns 5x on hotels & rental cars via capital one travel, 2x on every purchase.
No — the Capital One Venture Rewards Credit Card does not include airport lounge access.
No — the Capital One Venture Rewards Credit Card has no foreign transaction fee, so it's a good card to use abroad.
75,000 bonus miles after $4,000 spend in 3 months (offer varies). Welcome offers change frequently — confirm the current one on the issuer's page before applying.
The Capital One Venture Rewards Credit Card has a purchase APR of 19.49%–28.49% variable.