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Credit Card Review✈️ Best Simple Travel Miles

Capital One Venture Rewards

Issued by Capital One

5x hotels, vacation rentals & rental cars through Capital One Travel; 2x everywhere else — plus 75,000 miles after $4,000 spend in 3 months.

At a Glance

Annual Fee

$95

Purchase APR

19.49%–28.49%

Rewards Rate

5x hotels, vacation rentals & rental cars through Capital One Travel; 2x everywhere else

Min. Credit Score

700+ (est.)

Sign-Up Bonus

75,000 miles after $4,000 spend in 3 months

Rates & Fees

Annual Fee

$95

Purchase APR

19.49%–28.49% variable

Foreign Transaction Fee

None

Balance Transfer Fee

No fee at the standard transfer APR; 4% on promotional transfers

Cash Advance Fee

5% or $5 minimum, whichever is greater

Late Payment Fee

Up to $40

Estimate Your Rewards

See how this card fits your monthly spending

Enter your typical monthly spend by category to see roughly what the Capital One Venture Rewards would earn you per year (this doesn't include any one-time sign-up bonus).

$/mo
$0/mo$1,500/mo
$/mo
$0/mo$1,500/mo
$/mo
$0/mo$1,500/mo
$/mo
$0/mo$1,500/mo
$/mo
$0/mo$1,500/mo
$/mo
$0/mo$3,000/mo

Note: The 5x rate applies to eligible bookings through Capital One Travel; other purchases earn 2x.

Est. Annual Rewards

$522/yr

After $95 Annual Fee

$427/yr

Based On

$1,950/mo

Key Features

Up to $120 Global Entry or TSA PreCheck statement credit

Transfer miles to 15+ travel loyalty programs

$50 experience credit on eligible Lifestyle Collection stays

Pros & Cons

Pros

  • Simple unlimited 2x base earn
  • Strong 75,000-mile welcome offer
  • No foreign transaction fee

Tradeoffs

  • $95 annual fee
  • Best hotel and rental-car earn requires the Capital One Travel portal

How to Apply

Check whether your credit profile is a reasonable fit — Capital One generally looks for applicants around 700+ FICO for the Capital One Venture Rewards, alongside income and existing debt.

Gather your Social Security number, annual income, housing payment, and employer details before starting the application.

Apply directly through Capital One's official site or app to make sure you're getting current, accurate offer terms.

Most issuers give an instant decision online; some applications are sent to manual review, which can take 7–10 business days.

If approved, activate the card and set up autopay before your first statement is due to avoid a late payment.

How It Compares

Current product highlighted
ProductAnnual FeePurchase APRRewards Rate
Capital One Venture Rewards$9519.49%–28.49%5x hotels, vacation rentals & rental cars through Capital One Travel; 2x everywhere else
Chase Sapphire Preferred®$9521.49%–28.49%5x Chase Travel, 3x dining, gas/EV charging, online grocery, streaming & vacation rentals, 2x other travel
Chase Sapphire Reserve®$79519.49%–29.99%3x travel & dining worldwide
Capital One Venture X$39519.49%–28.49%10x hotels & rental cars, 5x flights via Capital One Travel, 2x everything else

Frequently Asked Questions

What credit score do I need for the Capital One Venture Rewards?

Capital One generally looks for applicants with a credit score around 700+ for the Capital One Venture Rewards, though approval also depends on your income, existing debt, and overall credit profile — not credit score alone.

What's the annual fee on the Capital One Venture Rewards?

The Capital One Venture Rewards carries a $95 annual fee. Whether that's worth it depends on how much value you get from its rewards rate and included perks each year.

Does the Capital One Venture Rewards have a sign-up bonus?

Yes — new cardholders can currently earn 75,000 miles after $4,000 spend in 3 months. Bonus terms and required spend change over time, so confirm the current offer on Capital One's site before applying.

What fees should I watch for on the Capital One Venture Rewards?

Beyond the annual fee, check the foreign transaction fee (None), balance transfer fee (No fee at the standard transfer APR; 4% on promotional transfers), cash advance fee (5% or $5 minimum, whichever is greater), and late payment fee (Up to $40). These matter most if you carry a balance, transfer debt, or use the card internationally.

How does the Capital One Venture Rewards compare to similar cards?

The Capital One Venture Rewards is one of several travel cards worth comparing side by side — see the "How It Compares" table on this page for a few close alternatives, or browse the full list of travel cards for more options.

Other Credit Cards

Chase Sapphire Preferred®

5x Chase Travel, 3x dining, gas/EV charging, online grocery, streaming & vacation rentals, 2x other travel

Chase Sapphire Reserve®

3x travel & dining worldwide

Capital One Venture X

10x hotels & rental cars, 5x flights via Capital One Travel, 2x everything else

Rates, fees, and rewards shown are illustrative as of 2026 and subject to change — always confirm current terms directly with the issuer before applying.

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