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The
Beyond that, there are significant differences. Varying welcome bonuses, ongoing benefits, annual fees, and more mean that you should carefully examine which travel cards will best suit your goals.
One of the biggest disparities is with each card’s annual fee. The
We’re focused here on the rewards and perks that come with each card. These cards won’t be worth it if you’re paying interest or late fees. When using a credit card, it’s important to pay your balance in full each month, make payments on time, and only spend what you can afford to pay.
Capital One Venture Card Benefits and Rewards
The
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- 5 miles per dollar on hotels and rental cars booked through Capital One Travel
- 5 miles per dollar on Turo bookings (ends May 16, 2023)
- 2 miles per dollar on all other purchases
The
- 5 miles per dollar on hotels and rental cars booked through Capital One Travel
- 1.25 miles per dollar on all other purchases
There is no limit to the number of rewards that you can earn with either card.
The
The
Finally, the
There’s one benefit offered by the
We always recommend that you pay your credit card off in full each month, but if you’ve got a necessary large upcoming purchase that you don’t think you can pay off for several months, this could be a big win.
Redeeming Capital One Miles
Capital One miles are some of the most versatile (and therefore useful) travel rewards currencies you can collect. Insider’s points and miles valuations estimate that Capital One miles are worth an average of 1.7 cents each when used toward travel.
Unlike some other transferable points programs such as Chase Ultimate Rewards®, the miles you earn with these cards are exactly the same. There are no restrictions on how you can use the miles you earn with the no-annual-fee
The miles you earn from both cards are worth 1 cent each toward offsetting paid travel. Both cards also give you the ability to transfer miles to Capital One’s airline and hotel partners, such as Air Canada Aeroplan, British Airways, Turkish Airlines, and Wyndham.
Converting your miles into rewards with programs like these can get you flights and hotels for literal pennies on the dollar. Read our beginner’s guide for how to book free travel and cheap deals with credit card rewards to see how easy it can be.
Which Capital One Venture Card Should You Get?
Will you use the bonus for travel?
For most people, the bigger welcome offer on the
Insider estimates its bonus to be worth
Both offers are good though — and the fact that the
How much will you spend?
The
You’ll need to spend at least $12,667 on the
Will you use the TSA PreCheck/Global Entry application credit?
You’re wasting time if you’re a flyer who doesn’t have either Global Entry or TSA PreCheck.
TSA PreCheck gives you a license to keep shoes, belts, and light jackets on when traversing most domestic security checkpoints. You can also keep your laptop sheathed.
Global Entry lets you skip the immigration line when returning to the US at many hub airports, and it also comes with TSA PreCheck privileges. In other words, it’s the better choice.
Again, these memberships last five years — and your credit will become available every four years. Global Entry costs $100, meaning you’ll get a $20 per year value.
Will you use the annual Capital One lounge passes?
If you answer yes to this question, mystery solved.
The
Capital One Venture vs VentureOne Card Comparison
Annual fee | ||
Rewards rate | 5x miles on hotels and rental cars booked through Capital One Travel 5x miles when booking on Turo (offer ends May 16, 2023) 2x miles on all other purchases | 5x miles on hotels and rental cars booked through Capital One Travel 1.25x miles on all other purchases |
Welcome bonus offer | ||
Card benefits | Two complimentary Capital One Lounge visits each year Global Entry or TSA PreCheck application fee credit Car rental insurance*** Travel accident insurance*** Extended warranty*** Purchase protection Lost luggage reimbursement Travel and emergency assistance services Roadside dispatch Visa Signature benefits | Car rental insurance Travel accident insurance*** Extended warranty Travel and emergency assistance services |
Foreign transaction fee | No | No |
Learn more |
What to Know About the Capital One Venture Credit Cards
The two biggest deciding factors of these two cards are the vastly different welcome bonuses and annual fees. If you’re able to use the
However, if the card’s perks don’t appeal to you — and you don’t think you’ll spend at least $12,667 per year, the