Who it's for
Premium travelNo annual fee
Only no-fee card with full Capital One transfer partner access. Excellent companion to Venture X for users who want a backup card with the same partner ecosystem.
Premium travelNo annual fee
| Category | Rate | Typical spend |
|---|---|---|
| Dining | 1.25x | $400/mo |
| Groceries | 1.25x | $600/mo |
| Flights & hotels | 2.75x | $300/mo |
| Rent | 1.25x | $2,500/mo |
| Gas & transit | 1.25x | $150/mo |
| Streaming | 1.25x | $80/mo |
| Online shopping | 1.25x | $200/mo |
| Everything else | 1.25x | $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.
Points, 16 transfer partners
Turkish Miles&SmilesSingapore KrisFlyerAir Canada AeroplanAir France-KLM Flying BlueAvianca LifeMilesBritish Airways AviosCathay Pacific AsiaMilesEmirates SkywardsEVA AirEtihad GuestFinnair PlusTAP Air PortugalQantas Frequent FlyerWyndham RewardsChoice PrivilegesAccor Live Limitless