Capital One Venture Rewards Credit Card
You aren’t going to find many travel cards better than this.
The Capital One Venture Rewards Credit Card (see rates and fees) was already our favorite travel card thanks to its lucrative, yet dead simple rewards program and luxury travel perks. In fact, our independent experts ranked it the Best Travel Card of 2024 earlier this year.
And we think now is the best time to apply in years thanks to its newly released Limited-Time Offer.
Here are the details:
- Limited-Time Offer: Earn 75,000 Miles once you spend $4,000 in the first 3 months from account opening. Plus, receive a one-time $250 Capital One Travel credit to use during your first cardholder year. That equals $1,000 in travel — which is by far one of the highest bonus offers we've seen.
- Earn 2X miles on everything, not just travel purchases. Plus, 5X miles on hotels and rental cars booked through Capital One Travel.
- Flexible mile redemption. You can redeem miles at $0.01 each to get reimbursed for travel purchases or book directly through Capital One Travel (no black out dates or airline restrictions). You can also transfer miles to any of Capital One's 15+ travel partners — which sometimes have even higher redemption values.
- Luxury perks, including up to a $100 credit for Global Entry or $85 credit for TSA PreCheck®.
- $95 annual fee, which can easily be offset by the generous welcome bonus and rewards program. We calculate that cardholders can secure a $1,792 value in the first-year alone! (see how below)
APPLY NOW on Capital One's secure website to get this limited-time offer before it expires.
For more details, keep reading below...
Limited-Time Offer
Capital One Venture Rewards Credit Card
5.00 out of 5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor5.00 out of 5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = PoorLimited-Time Offer!
75,000 Miles once you spend $4,000 on purchases within the first 3 months of account opening, plus receive a one-time $250 Capital One Travel credit in your first cardholder year – that’s equal to $1,000 in travel
Intro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
19.99% - 29.99% (Variable)
Rewards Earn unlimited 2X miles on every purchase, every day. Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options.
2X-5X miles
Annual Fee
$95
Welcome Offer 75,000 Miles once you spend $4,000 on purchases within the first 3 months of account opening, plus receive a one-time $250 Capital One Travel credit in your first cardholder year – that’s equal to $1,000 in travel
75,000 Miles
- Enjoy $250 to use on Capital One Travel in your first cardholder year, plus earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening - that’s equal to $1,000 in travel
- Earn unlimited 2X miles on every purchase, every day
- Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Receive up to a $100 credit for Global Entry or TSA PreCheck®
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
- Enrich every hotel stay from the Lifestyle Collection with a suite of cardholder benefits, like a $50 experience credit, room upgrades, and more
- Transfer your miles to your choice of 15+ travel loyalty programs
This is our top travel credit card overall, because of its highly lucrative, yet dead simple rewards program. Earn unlimited 2X miles on every purchase and use them to get reimbursed for any travel purchase — or to book a trip through Capital One Travel. Global Entry/TSA PreCheck® credits and generous limited-time offer worth up to $1,000 on travel solidifies this as a top choice.
How to potentially secure $1,792 of value
You'll be hard-pressed to find a better value rewards card. Here's how the value adds up:
- One-time $250 Capital One Travel credit — receive this credit upon account opening and use at any point during your first cardholder year.
- Earn $750 from welcome bonus miles — You can earn 75,000 Miles after spending $4,000 within the first 3 months from account opening. That’s worth at least $750, since miles can be redeemed for $0.01 when used to reimburse travel purchases or book a trip through Capital One Travel.
- Earn $642 on your everyday spending - The average American* spends $2,673 per month on expenses that are commonly paid with a credit card. That would result in 64,152 miles earned each year (worth $642).
- Receive up to $100 Global Entry/TSA Pre✓® credit - When you pay $100 for a Global Entry membership, or $85 for a TSA Pre✓® membership, Capital One automatically credits you back. You can use this credit once every four years.
- Earn a $50 experience credit - When you book a hotel stay through Capital One's Lifestyle Collection.
These categories tally up to $1,792 worth of value. Keep in mind that the value for cardholders depends on your exact spending habits and the value could be far higher. Plus, miles could be worth even more when transferred to Capital One’s 15+ travel partners.
Why our experts rate this a top travel card:
Huge limited-time offer. 75,000 Miles once you spend $4,000 on purchases within the first 3 months of account opening, plus receive a one-time $250 Capital One Travel credit in your first cardholder year – that’s equal to $1,000 in travel.
Earn 2X miles per $1 spent on all purchases, not just travel. Rewards are unlimited and you don’t have to pay attention to bonus categories. This is the highest baseline rewards rate we’ve seen for a travel rewards card.
Earn 5X miles per $1 spent on rental cars and hotels booked through Capital One Travel.
Flexible, fixed-rate redemptions. Venture® miles are worth at least $0.01 per mile when you redeem them as a statement credit against travel expenses. The redemption process is a breeze, and Capital One classifies many types of transactions as travel, giving you ample opportunity to use your rewards. Plus, you can transfer miles to Capital One’s 15+ travel partners for potentially even higher value.
Up to $100 Global Entry/TSA Pre✓® credit when you pay $100 for a Global Entry membership or $85 for a TSA Pre✓® membership, Capital One automatically credits you back. You can use this credit once every four years.
No foreign transaction fee Have no fear of using your card internationally, as this is a no foreign transaction fee credit card. (See rates and fees.)
Modest $95 Annual Fee
For the amount of premium benefits packed in this card, the $95 annual fee is very reasonable.
Final Take
The Capital One Venture Rewards Credit Card is an excellent choice for many travelers. The ease of earning miles through normal everyday spending and the flexibility to choose where you redeem your miles (instead of being stuck with one airline) make it a rare find that is not to be missed. The enormous limited-time offer is the cherry on top.
Suggested credit score
Good to excellent credit -- typically a FICO® Score of 670 or higher — is suggested when applying for Capital One Venture Rewards Credit Card.
Capital One describes excellent credit as:
- You've never declared bankruptcy
- You've never defaulted on a loan.
- You've never paid a credit card statement, medical bill, or loan more than 60 days after it was due.
- You've held a credit card or loan at a limit (or amount) over $5,000, for at least three years.
Our Credit Cards Experts
The Ascent brings financial expertise, trusted advice, and unbiased analysis to the world of daily personal finance decisions. Our mission is to help you live more richly.
We're firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. The Ascent, a Motley Fool service, does not cover all offers on the market. The Ascent has a dedicated team of editors and analysts focused on personal finance, and they follow the same set of publishing standards and editorial integrity while maintaining professional separation from the analysts and editors on other Motley Fool brands.
*Average American budget per https://www.fool.com/the-ascent/research/average-monthly-expenses/
The Motley Fool has positions in and recommends Target. The Motley Fool has a disclosure policy.