![]() Card details you might missĪt Buy Side from WSJ, we judge rewards credit cards based on their potential rewards earnings. Still, Venture Rewards’ high rewards rate on general purchases, flexible redemption policies, and generous sign-up bonus make it a great travel credit card. After the first year, annual earnings in this scenario will amount to 72,000 miles (or $720 worth of travel for one cent per mile).Ĭardholders with high spending in categories like dining and groceries may find better returns with other cards. The card comes with a 75,000-mile sign-up bonus after you spend $4,000 in the first three months (worth $750 when redeemed for travel for one cent per mile).įor the typical Wall Street Journal reader who spends $3,000 a month, this translates into 147,000 miles of first-year travel reward earnings-or $1,470 when redeemed for travel. A balance of $1,000 on the Venture Rewards card will cost you between $16 and $24 in monthly interest charges, depending on your credit score, which will almost certainly outweigh the value of any miles you earn.Īssuming you do pay off your balance each month, Venture Rewards can offer attractive rewards, especially in the first year. If you tend to carry a balance, a rewards credit card may not be a good idea for you. To offset the fee, you need to spend at least $396 per month, provided you redeem for travel at one cent per mile and pay off the balance in full every month. With an annual fee of $95, Capital One Venture Rewards offers a lower price compared to many top travel cards. Plus, while the flat rate may be convenient, it doesn’t allow for higher rewards in categories where some cardholders spend the most. If you’re a heavy traveler, Capital One Venture Rewards has its drawbacks, such as lacking free airport lounge access. Cardholders can also transfer miles to airline and hotel loyalty programs or use them through Capital One’s portal, if they choose. That’s a relatively unusual feature that could make the card far easier to use for many travelers. In addition to the card’s lucrative rewards, Capital One allows you to redeem Venture miles as a statement credit for recent travel purchases, rather than requiring you to book travel through its proprietary portal. Sign-up bonus: 75,000 miles after spending $4,000 in the first three months (worth $750 when redeemed for travel at one cent per mile).Bonus rewards: 5x on hotels and rental cars booked through Capital One.We work hard to stay updated with the latest information, but the offers listed on our site may no longer be available. Getting additional cards for authorized users comes with no added fee.ĭisclaimer: Credit card offers are constantly changing.Get protection against unauthorized charges made using your card through $0 fraud liability.Get access to premier culinary experiences as well as various music and sports events.Get complimentary travel accident insurance, auto rental collision damage waiver and extended warranty.Get a $100 statement credit toward Global Entry/TSA PreCheck fees every four years.Redeem your rewards with PayPal, at or through Capital One Shopping.Transfer your miles to Accor Live Limitless, Aeromexico Club Premier, Air Canada Aeroplan, Alitalia MilleMiglia Program, Asia Miles, Avianca LifeMiles, British Airways Avios, Emirates Skywards, Etihad Guest, Infinity MileageLands, Finnair Plus, JetBlue TrueBlue, Qantas Frequent Flyer, Singapore Airlines KrisFlyer, TAP Air Portugal Miles&Go or Turkish Airlines Miles&Smiles. ![]() Earn unlimited 2x miles per dollar on all purchases.Get 60,000 miles as an early spend bonus if you spend at least $3,000 on purchases within three months from account opening.
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