The Capital One VentureOne Rewards Credit score Card earns transferrable miles, which is a stand-out profit for a no-annual-fee card.
- 5 miles per greenback on lodge and rental automobiles booked by Capital One Journey
- Miles by no means expire for the lifetime of the account
- No World Entry or TSA PreCheck assertion credit score choices
- No airport lounge entry
Highlights
Highlights proven listed below are offered by the issuer and haven’t been reviewed by CNBC Choose’s editorial employees.
- $0 annual charge and no overseas transaction charges
- Earn a bonus of 20,000 miles when you spend $500 on purchases inside 3 months from account opening, equal to $200 in journey
- Earn limitless 1.25X miles on each buy, day by day
- Miles will not expire for the lifetime of the account and there isn’t any restrict to what number of you’ll be able to earn
- Earn 5X miles on accommodations and rental automobiles booked by Capital One Journey, the place you may get Capital One’s finest costs on 1000’s of journey choices
- Use your miles to get reimbursed for any journey buy or redeem by reserving a visit by Capital One Journey
- Switch your miles to your alternative of 15+ journey loyalty applications
- Take pleasure in 0% intro APR on purchases and steadiness transfers for 15 months; 19.24% – 29.24% variable APR after that; steadiness switch charge applies
Stability switch charge
3% for the primary 15 months; 4% at a promotional APR that Capital One might give you at every other time
Capital One VentureOne Rewards Card evaluate
Welcome bonus
The Capital One VentureOne Rewards Card has an simply attainable welcome bonus given its comparatively low spending requirement. When permitted for this card, you’ll be able to earn a bonus of 20,000 miles when you spend $500 on purchases inside three months from account opening, equal to at the least $200 in journey.
Advantages and perks
The Capital One VentureOne Rewards Card’s advantages and perks are pretty fundamental, however that is anticipated for a no-annual-fee card. Listed below are some notable perks:
- Concierge*: Take pleasure in 24/7 help reserving journey, restaurant reservations, discovering that good reward and extra
- Journey Help Providers*: Accessible 24/7 to assist join you with native emergency and help sources whenever you’re away from dwelling
- Prolonged Guarantee*: Doubles the unique producer’s guarantee, as much as a most of twenty-four (24) months, for eligible objects bought along with your card
- Auto Rental Insurance coverage*: Use your card to hire an eligible car and it’s possible you’ll be coated for bodily harm to the car
- No foreign transaction fees
Capital One additionally supplies a credit score rating and report dashboard, CreditWise®. It is free to make use of, and anybody can be part of — you do not want a Capital One account. With CreditWise, customers can be taught extra about the important thing elements that affect their credit score scores, get e mail alerts at any time when their credit score rating modifications and monitor their credit score info.
Examine credit score restore choices
Tips on how to earn and redeem miles
Incomes Capital One miles
The Capital One VentureOne Rewards Card earns miles on each buy with out many bonus classes to maintain observe of.
You will earn miles on the following charges:
- 1.25 miles per greenback on each buy
- 5 miles per greenback on accommodations and rental automobiles booked by Capital One Journey
Whereas 1.25X is not the best return on on a regular basis purchases, it is nonetheless above the same old 1X return. Nevertheless, the VentureOne’s 5X return on eligible lodge and rental automotive bookings is robust.
Redeeming Capital One miles
The miles you earn along with your Capital One VentureOne Rewards card can be utilized in a couple of other ways, similar to:
- Reserving journey by Capital One Journey
- Overlaying latest journey purchases
- Procuring at Amazon or by PayPal
- Getting reward playing cards
- Redeeming for money again
- Reserving unique tickets, occasion entry and perks by Capital One Leisure
Miles are value a flat one cent apiece when redeemed as a press release credit score for previous journey purchases or to guide new journey reservations by Capital One Travel. Assertion credit score redemptions apply to all kinds of journey purchases, from flights and accommodations to cruises and public transit, however should be made inside 90 days from the date your journey buy posts to your account. Chances are you’ll need to keep away from the non-travel redemptions, similar to redeeming for reward playing cards or Amazon purchases, since they sometimes yield decrease values.
To probably get outsized worth of your miles, think about reserving journey by Capital One’s switch companions. Capital One affords 15 airline switch companions with a 1:1 conversion ratio (except famous):
- Aeromexico Membership Premier
- Air Canada Aeroplan
- Air France-KLM Flying Blue
- Avianca LifeMiles
- British Airways Government Membership
- Cathay Pacific Asia Miles
- Emirates Skywards
- Etihad Visitor
- EVA Air Infinity MileageLands (2:1.5 ratio)
- Finnair Plus
- Qantas Frequent Flyer
- Singapore Airways KrisFlyer
- TAP Air Portugal Miles&Go
- Turkish Airways Miles&Smiles
- Virgin Purple
Capital One additionally has three lodge switch companions with a 1:1 conversion ratio (except famous):
- ALL Accor Reside Limitless (2:1 ratio)
- Selection Privileges®
- Wyndham Rewards
Transfering your Capital One miles to airways or lodge companions may also help you get extra worth out of your rewards. As an illustration, you’ll be able to switch your Capital One miles to Turkish Airways and guide any home United flight for simply 10,000 miles a technique, whereas 10,000 miles would solely get you a flight value $100 by the Capital One Journey portal. For those who’re seeking to journey internationally, you’ll be able to guide flights to Europe by Avianca LifeMiles from simply 35,000 miles one-way in financial system or 70,000 miles in enterprise class.
You’ll be able to switch your miles by signing into your Capital One account, deciding on “View Rewards” and linking your loyalty accounts. It is necessary to notice that transfers are irreversible, so we suggest solely transferring miles after getting a selected redemption in thoughts.
Examine journey insurance coverage choices
Charges and charges
The Capital One VentureOne Rewards Card has a $0 annual charge and no overseas transaction charges, serving to hold prices down when touring overseas. The cardboard comes with a 0% intro APR on purchases and steadiness transfers for 15 months, then 19.24% – 29.24%, primarily based on creditworthiness. There’s a switch charge of three% of the quantity of every transferred steadiness for the primary 15 months, then 4% at a promotional APR that Capital One might give you at every other time. The money advance charge is $5 or 5% of the quantity of every money advance, whichever is larger, and the cardboard has a late charge of as much as $40.
Card comparability
Capital One VentureOne Rewards vs. Uncover it® Miles
The Uncover it® Miles is a rewarding bank card for on a regular basis purchases, particularly when you think about that it has no annual charge.
- Beneficiant intro-APR provide applies to purchases and steadiness transfers
- Easy rewards program makes incomes and redeeming miles straightforward
- No annual charge
- No significant journey perks, similar to airport lounge entry or journey credit
- No bonus rewards for journey spending
Highlights proven listed below are offered by the issuer and haven’t been reviewed by CNBC Choose’s editorial employees.
Highlights
- Limitless Bonus: Limitless Mile-for-Mile match for all new cardmembers—solely from Uncover. Uncover provides you a limiteless match of all of the Miles you have earned on the finish of your first yr. There isn’t any signing up, no minimal spending or most rewards. Only a Miles-for-Miles match. You may flip 35,000 Miles to 70,000 Miles.
- Robotically earn limitless 1.5x Miles on each greenback of each buy
- No annual charge
- Flip Miles into money. Or redeem as a press release credit score to your journey purchases like airfare, accommodations, rideshares, gasoline stations, eating places and extra.
- 0% intro APR for 15 months on purchases. Then 18.24% – 27.24% Customary Variable Buy APR will apply.
- Uncover might assist you cut back publicity of your private info on-line by serving to you take away it from choose people-search websites that would promote your knowledge. Activate by cell app at no cost.
- Uncover is accepted nationwide by 99% of the locations that take bank cards.
- Phrases and circumstances apply.
Stability switch charge
3% intro steadiness switch charge, as much as 5% charge on future steadiness transfers (see phrases)*
The Discover it® Miles card is one other starter journey card with no annual charge and a probably invaluable welcome bonus. The cardboard earns a flat 1.5X miles on all purchases, which is barely higher than the VentureOne’s 1.25X return, however has no bonus spending classes.
The largest distinction is that there isn’t any technique to get outsized worth out of your Uncover miles. In contrast to Capital One, Uncover does not have switch companions, so that you’re restricted to fixed-rate redemptions like a journey credit score or money again. The VentureOne additionally affords extra perks just like the rental automotive protection and prolonged guarantee safety.
For those who’re in search of a easy rewards program, the Discover it Miles might be a very good match, however for those who’re prepared to discover switch companion choices and may maximize the cardboard’s 5X bonus classes, it’s possible you’ll get extra worth with the Capital One VentureOne Rewards Card.
Study extra: Discover it® Miles
Capital One VentureOne Rewards vs. Citi Double Money® Card
The Citi Double Money® Card is among the finest no-annual-fee cash-back playing cards because of its simple rewards construction.
- Lengthy intro-APR for steadiness transfers
- Excessive flat-rate cash-back rewards construction
- No annual charge
- Has a overseas transaction charge
- Intro APR does not apply to purchases
Highlights
Highlights proven listed below are offered by the issuer and haven’t been reviewed by CNBC Choose’s editorial employees.
- Earn $200 money again after you spend $1,500 on purchases within the first 6 months of account opening. This bonus provide can be fulfilled as 20,000 ThankYou® Factors, which could be redeemed for $200 money again.
- Earn 2% on each buy with limitless 1% money again whenever you purchase, plus an extra 1% as you pay for these purchases. To earn money again, pay at the least the minimal due on time. Plus, a particular journey provide, earn 5% whole money again on lodge, automotive leases and sights booked on the Citi Journey℠ portal by 12/31/25.
- Stability Switch Solely Supply: 0% intro APR on Stability Transfers for 18 months. After that, the variable APR can be 18.24% – 28.24%, primarily based in your creditworthiness.
- Stability Transfers don’t earn money again. Intro APR doesn’t apply to purchases.
- For those who switch a steadiness, curiosity can be charged in your purchases except you pay your whole steadiness (together with steadiness transfers) by the due date every month.
- There’s an intro steadiness switch charge of three% of every switch (minimal $5) accomplished inside the first 4 months of account opening. After that, your charge can be 5% of every switch (minimal $5).
Stability switch charge
For steadiness transfers accomplished inside 4 months of account opening, an intro steadiness switch charge of three% of every switch ($5 minimal) applies; after that, a steadiness switch charge of 5% of every switch ($5 minimal) applies
Overseas transaction charge
The Capital One Enterprise Rewards Credit score Card has an affordable annual charge and earns versatile journey rewards, which makes it an amazing journey card for learners or heavy vacationers.
- Priceless welcome provide value at the least $750 in journey
- You’ll be able to switch miles to over 15 Capital One companions, together with Emirates Skywards, Selection Privileges and Singapore Airways KrisFlyer
- No overseas transaction charges
- Lacks ongoing journey advantages similar to assertion credit or lounge entry
- Restricted bonus spending class that solely applies to sure Capital One Journey bookings
Highlights
Highlights proven listed below are offered by the issuer and haven’t been reviewed by CNBC Choose’s editorial employees.
- Take pleasure in a one-time bonus of 75,000 miles when you spend $4,000 on purchases inside 3 months from account opening, equal to $750 in journey
- Earn limitless 2X miles on each buy, day by day
- Earn 5X miles on accommodations, trip leases and rental automobiles booked by Capital One Journey, the place you may get Capital One’s finest costs on 1000’s of journey choices
- Miles will not expire for the lifetime of the account and there isn’t any restrict to what number of you’ll be able to earn
- Obtain as much as a $120 credit score for World Entry or TSA PreCheck®
- Use your miles to get reimbursed for any journey buy or redeem by reserving a visit by Capital One Journey
- Take pleasure in a $50 expertise credit score and different premium advantages with each lodge and trip rental booked from the Life-style Assortment
- Switch your miles to your alternative of 15+ journey loyalty applications
Stability switch charge
$0 on the Switch APR, 4% of the quantity of every transferred steadiness that posts to your account at a promotional APR that Capital One might provide to you
Overseas transaction charge
The Capital One Enterprise X Rewards Credit score Card is a premium bank card with a myriad of advantages and a decrease annual charge than different high-end playing cards with related options.
- Annual $300 credit score for bookings by Capital One Journey
- 10,000 bonus miles after each card anniversary
- Limitless complimentary entry to 1,300+ airport lounges, together with Capital One Lounge places
- Lengthy listing of invaluable journey and buying protections, together with return safety, rental automotive protection and journey delay reimbursement (Profit(s) solely obtainable to accounts permitted for the Visa Infinite card. Phrases apply.)
- Restricted bonus spending classes in comparison with different premium bank cards
- Excessive annual charge
- Excessive credit score rating requirement (wonderful credit score)
Highlights
Highlights proven listed below are offered by the issuer and haven’t been reviewed by CNBC Choose’s editorial employees.
- Earn 75,000 bonus miles whenever you spend $4,000 on purchases within the first 3 months from account opening, equal to $750 in journey
- Obtain a $300 annual credit score for bookings by Capital One Journey, the place you may get Capital One’s finest costs on 1000’s of journey choices
- Get 10,000 bonus miles (equal to $100 in the direction of journey) yearly, beginning in your first anniversary
- Earn limitless 10X miles on accommodations and rental automobiles booked by Capital One Journey and 5X miles on flights and trip leases booked by Capital One Journey
- Earn limitless 2X miles on all different purchases
- Take pleasure in complimentary entry to 1,300+ airport lounges worldwide, together with Capital One Lounge places and the Companion Lounge Community
- Use your Enterprise X miles to simply cowl journey bills, together with flights, accommodations, rental automobiles and extra. You’ll be able to even switch your miles to your alternative of 15+ journey loyalty applications
- Take pleasure in a $100 expertise credit score and different premium advantages with each lodge and trip rental booked from the Premier Assortment
- Obtain as much as a $120 credit score for World Entry or TSA PreCheck®
Stability switch charge
$0 on the Switch APR, 4% of the quantity of every transferred steadiness that posts to your account at a promotional APR that Capital One might provide to you
Overseas transaction charges
Capital One financial institution accounts to pair with the VentureOne
If you wish to have your bank card and financial institution accounts inside the similar ecosystem, Capital One has you coated with checking and high-yield financial savings account choices and tons of of bodily branches nationwide.
The Capital One 360 Checking account affords you quick access to your money with over 40,000 fee-free Capital One® and Allpoint® ATMs. The account has minimal charges and does not require an preliminary deposit to open, however would require one inside 60 days or your account can be closed.
Capital One 360 Checking®
Capital One Financial institution is a Member FDIC.
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Month-to-month upkeep charge
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Minimal deposit to open
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Minimal steadiness
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Annual Proportion Yield (APY)
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Free ATM community
70,000+ Capital One®, MoneyPass and Allpoint® ATMs
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ATM charge reimbursement
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Overdraft charge
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Cellular verify deposit
Capital One 360 Performance Savings™
Capital One Financial institution is a Member FDIC.
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Annual Proportion Yield (APY)
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Minimal steadiness
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Month-to-month charge
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Most transactions
As much as 6 free withdrawals or transfers per assertion cycle
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Extreme transactions charge
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Overdraft charge
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Supply checking account?
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Supply ATM card?
Sure, if have a Capital One checking account
Is the Capital One VentureOne best for you?
The Capital One VentureOne Rewards Credit Card is an efficient possibility for these newer to journey rewards bank cards because of its journey switch companions, accessible welcome bonus and lack of an annual charge. Nevertheless, if you would like entry to extra bonus spending classes or premium journey perks, there could also be extra invaluable choices on the market.
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At CNBC Choose, our mission is to supply our readers with high-quality service journalism and complete client recommendation to allow them to make knowledgeable choices with their cash. Each bank card evaluate is predicated on rigorous reporting by our staff of professional writers and editors with in depth information of bank card merchandise. Whereas CNBC Choose earns a fee from affiliate companions on many affords and hyperlinks, we create all our content material with out enter from our business staff or any outdoors third events, and we satisfaction ourselves on our journalistic requirements and ethics.
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For Capital One merchandise listed on this web page, a number of the advantages could also be offered by Visa® or Mastercard® and should fluctuate by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.
*Profit obtainable to accounts permitted for the World Elite Mastercard product, topic to phrases, circumstances, and exclusions within the World Elite Mastercard Information to Advantages. See Account Phrases or Software Phrases for extra particulars
For charges and charges of the Uncover it® Miles , click on here.
Editorial Observe: Opinions, analyses, opinions or suggestions expressed on this article are these of the Choose editorial employees’s alone, and haven’t been reviewed, permitted or in any other case endorsed by any third social gathering.
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