Who it's for
Premium travelTravel credits & perks
Capital One Venture
Simple 2x on everything with flexible redemption. Step down from Venture X — no lounge access, no annual travel credit, but full transfer partner access at $95.
$1,709/yrest. value at typical spending
$95annual fee
$0yearly credits
$95fee after credits
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| Category | Rate | Typical spend |
|---|---|---|
| Dining | 2x | $400/mo |
| Groceries | 2x | $600/mo |
| Flights & hotels | 3.2x | $300/mo |
| Rent | 2x | $2,500/mo |
| Gas & transit | 2x | $150/mo |
| Streaming | 2x | $80/mo |
| Online shopping | 2x | $200/mo |
| Everything else | 2x | $600/mo |
Rates are what our model counts per dollar. Brand-specific bonuses (like a hotel card at its own hotels) are blended, since most people don't put all category spending with one brand. Typical spending here means our quiz defaults: $4,830 a month, including $2,500 rent or mortgage. Points are valued at 1.5¢ each (travel portal redemption); transferring to airline or hotel partners can be worth more.
Rewards and perks
Points, 13 transfer partners
- 5x miles on hotels and rental cars booked through Capital One Travel
- 2x miles on every other purchase (no caps)
- Global Entry/TSA PreCheck credit ($120 every 4 years)
- No foreign transaction fees
- Access to all 15+ Capital One transfer partners
- "Purchase Eraser": redeem miles to cover any travel purchase at 1 cent/mile
Transfer partners
Turkish Miles&SmilesSingapore KrisFlyerAir Canada AeroplanAir France-KLM Flying BlueAvianca LifeMilesBritish Airways AviosCathay Pacific AsiaMilesEmirates SkywardsEVA AirEtihad GuestFinnair PlusTAP Air PortugalQantas Frequent Flyer
Head-to-head
Similar cards
- Amex Green Card$150 annual fee$1,234est. value/yr
- Bank of America Premium Rewards$95 annual fee$916est. value/yr
- Capital One Venture X$395 annual fee$1,817est. value/yr
- Amex Business Gold$375 annual fee$1,501est. value/yr
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